Are you looking for the most premium credit card in India? The HDFC Infinia credit card is a Super-premium and Invite-only card, meaning the bank selects and invites individuals to apply for it.
This premium card is designed for those seeking exclusivity and top-tier privileges. It is one of the most prestigious credit cards in India.
It comes with unmatched benefits such as unlimited airport access, dining privileges, high rewards points, and comprehensive insurance coverage.
You can redeem rewards points for flight tickets, hotel bookings, and other luxury experiences.
Table of Contents
HDFC Infinia Credit Card: Key Highlights
For detailed terms and conditions, click here to visit the official website
BEST HDFC Infinia Credit Card Benefits & Features (2025)
| Milestone Benefits | Travel Privileges | Hotel & Dining Benefits |
|---|---|---|
| Spend over ₹10 lakh annually and get your renewal membership fee waived for the next year. | Unlimited airport lounge access in India and abroad | Buy One Get One (BOGO) Complimentary buffet at participating ITC hotels. List of hotels:- Find here |
| Low 2% foreign currency markup fee on all international transactions. | Reservations must be made at least 48 hours Booking should be placed 48 hours in advance for dining benefits. |
| Rewards Point Benefits | Financial Benefits | Insurance Benefits |
|---|---|---|
| Earn 10X reward points on travel and shopping via SmartBuy. | Zero lost card liability: You are protected against fraudulent transactions if your card is lost or stolen. | ₹3 crore Accidental Air Death cover for financial security insurance against accidental air death cover. ₹50 Lakhs overseas hospitalization cover for medical emergencies while traveling. |
| Reward points are valid for 3 years from the date of accumulation. Convert your reward points into Airmiles. These miles can be used for flight booking. | 1 % fuel surcharge waiver on transactions between ₹400 to ₹1 lack. Maximum waiver ₹1,000 per month. | Lost card Liability coverage:- protection up to ₹9 lakh against unauthorized usage. Know more on the official website |
Click here to check list of airport lounge acess from official website.
HDFC Infinia Credit Card: Fees & Charges
| Fee Type | Details |
|---|---|
| Joining & Renewal membership fee (Primary card) | ₹12,500 + Applicable Tax |
| Annual Maintenance Fee | ₹12,500 + Applicable Tax |
| Cash Withdrawl Fee | 40 % of the credit card limit |
| Fuel Surcharge Waiver | 1 % fuel surcharge waiver on transactions between ₹ 400 to ₹1 lakh (maximum waiver of ₹1,000 per month). GST on fuel surcharge will not be reversed. |
| Interest-Free Period | Up to 50 Days |
| Minimum Due Amount | 5 % of the total billed amount |
| Forex Markup fee | 2 % of the total transaction + Applicable taxes (GST = 2.36 %) |
| Duplicate physical statement request charges | ₹10 per duplicate statement |
| EMI conversion charges (Auto EMI) | Processing Fee: ₹ 99 + GST on the total loan amount. For 9-Month’s tenure, the interest is 20 % per annum |
| Cash Advance Fee (India & Abroad) | HDFC will impose 2.5 % of the withdrawal amount or ₹500 (whichever is higher) |
| Overlimit Account charges | 2.5 % of the over-limit amount (Minimum ₹550) |
| Payment Return Charges | 2 % of the payment amount (Minimum ₹450) |
| Late Fee (EMI missed in Insta Loan) | ₹500 + GST |
| Interest Charges | 1.99 % per month (23.88 % annually) |
| Balance Transfer processing fee | 1 % of the transfer amount or ₹250 (whichever is higher) |
| Pre-closer charges for Insta loan/Jumbo Loan/ Smart EMI | 3 % of the principal outstanding balance |
| Card Validation Charges | ₹2 will be charged to the credit card. this amount will not reversed by the bank. |
HDFC Infinia Credit Card-Reward Points Redemption value
| Area of earning reward points | Reward points(RP) | Value of 1 Reward points(RP) |
|---|---|---|
| Flight & Hotel booking via SmartBuy | 1 RP | ₹1 |
| Apple products & Tanishq voucher | 1 RP | ₹1 |
| Airmiles conversion Via net banking | 1 RP | ₹1 |
| Products & Vouchers Via Net Banking | 1RP | Up to ₹0.50 |
| Cashback redemption | 1 RP | ₹0.30 |
HDFC Infinia Credit Card-Reward Points Program Terms & Conditions
- No Reward Points on Fuel Transactions– Reward points can not be accrued on fuel purchases.
- Ineligibility for Reward Points– Certain transactions are not eligible for earning reward points.
- EMI Conversion Impact– If a retail transaction is converted into EMI, the earned reward points will be reversed.
- Reward Points Validity– Rewards points are valid for 3 years from the date of accumulation. If the credit card is not used for 365 days then reward points will be nullified.
- Maximum Reward Points Per Statement– The maximum number of reward points that can be earned per billing is 2,00,000 RP.
HDFC Infinia Credit Card –Charges in Case of Default
The late payment charges for the HDFC Infinia credit card are as follows:
| Total Amount Due/Statement Balance | Late Payment Charges |
|---|---|
| Less than or equal to ₹100 | No Charges |
| Above ₹101 and up to ₹500 | ₹100 |
| Above ₹501 and up to ₹1,000 | ₹500 |
| Above ₹1,001 and up to ₹5,000 | ₹600 |
| Above ₹5,001 and up to ₹10,000 | ₹750 |
| Above ₹10,001 and up to ₹25,000 | ₹900 |
| Above ₹25,001 and up to ₹50,000 | ₹1,100 |
| More than ₹50,000 | ₹1,300 |
Pros and cons of Infinia Credit Card:-
Pros:
Best Reward Program– Earn high reward points on travel, dining, and shopping.
Unlimited Lounge Access– Enjoy unlimited domestic and international airport lounge access.
Premium Hotel & Gold Benefits– Exclusive benefits at luxury hotels and golf courses.
Cons:
High Annual Fee– Comes with a premium annual membership fee.
Invite-Only-Not available for everyone; requires an invitation from HDFC Bank.
No Cashback Option– Reward points can be redeemed, but cashback is not available.
HDFC Infinia Credit Card: Eligibility & Documentation
🛡️Eligibility:
HDFC Infinia Credit Card is an Invite-Only card, You can become a member only if HDFC Bank invites you based on your income, credit score, and relationship with the bank.
📄Required Documentation:
- Identity Proof: PAN Card, Aadhaar Card, or Passport.
- Address Proof: Utility Bill, Aadhaar Card, or Passport
- Income Proof: Salary Slip, ITR, or Bank statements.
You can become a member of Infinia credit card when the bank invites you only.
How to apply for HDFC Infinia Credit Card
🔹 HDFC Infinia Credit Card is an invite-only card, meaning you can not apply directly. However, you can check eligibility for other HDFC credit cards.
HDFC Infinia Credit Card Customer Care
For any inquiries related to your HDFC Infinia Credit Card, you can contact customer support through the following channels:
- 📞 Customer Care Helpline: 1800 1200 1200 (Toll-Free)
- 📧 Email Support: [email protected]
Latest News on HDFC Infinia Credit Card:
- 📢 CNBC TV Reports: HDFC Infinia credit card to restrict some reward point redemption from October 1, 2024, Click here to read the full news.
- 📰 The Economics Times Reports: HDFC Credit card rules change from October 1, 2024, Click here to read the full news.
Frequently Asked Questions (FAQs) for HDFC Infinia Credit Card
1️⃣ Is there any movie discount on the HDFC Infinia Credit Card?
HDFC Infinia does not offer direct discounts on movie tickets, However, you can redeem reward points for Book My Show vouchers but please check on the SmartBuy portal.
2️⃣ What are the eligibility criteria for HDFC Infinia credit cards?
HDFC Infinia is an invite-only credit card. The bank offers it exclusively to high-net-worth individuals (HNWIs).
✅ General eligibility criteria:
High credit score
Strong relationship with HDFC Bank
Annual income of more than ₹40 Lakh per annum.
3️⃣ Does the Infinia credit card offer international lounge access?
Yes, Infinia provides unlimited access to the Priority Pass lounge worldwide. Additionally, add-on cardholders get six free lounge visits per year.
4️⃣ What is the credit limit for the Infinia credit cards?
The HDFC Infinia credit Card has a high credit limit, typically ranging from ₹8 lakh to ₹20 lakh. The limit can increase based on your usage and income.
5️⃣ How many Add-on cards can I get with the Infinia credit card?
HDFC Infinia allows up to three add-on cards for free.