Summary
HDFC Bank Infinia Credit Card is a premium, invitation-only credit card for high-net-worth individuals. It comes with top-tier benefits across travel, dining, and lifestyle, making it one of the most rewarding cards available in India.
Infinia offers 5 reward points for every ₹150 spent in regular transactions, and 10 reward points per ₹150 when booking hotels and flights through SmartBuy. It is very rewarding to redeem since 1 reward point = ₹1 for flights and hotels. It is perfect for frequent travelers.
This card offers unlimited free access to lounges in all airports around the world for primary and add-on cardholders. It also comes with free golf games, dining discounts of up to 40%, and a 1% fuel surcharge.
Introduction
Credit cards are something that is of utmost importance today in the world of finance and make our lives easier in a lot of transactions, offering great benefits and advantages. HDFC Infinia Credit Card is a wonderful option for people who seek to have credit cards loaded with premium features and lots of benefits.
HDFC Bank, with its HDFC Infinia Credit Card offering, has created a unique and exclusive card that is available only to special customers. The design and features of the HDFC Infinia Credit Card make it different from normal credit cards. It aims to provide the best financial experience to customers who expect a lifestyle and great service.
HDFC Infinia Credit Card is a premium card that is as efficient and convenient as possible. The most prominent features of the HDFC Infinia Credit Card include: Unlimited Airmiles, Worldwide Airport Lounge Access, and specially designed Reward Points. If you are fond of traveling, then HDFC Bank Infinia credit card can be ideal for you as it gives you special benefits and facilities during airline travel.
In today’s article, we will discuss in detail about HDFC Infinia credit card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of HDFC Bank Infinia credit card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the HDFC Bank Infinia Credit Card?
This is a premium and exclusive card that makes it as classy as the high-end lifestyle of the users and high-spending customers. HDFC Infinia Credit Card boasts exciting features like unlimited airmiles, worldwide airport lounge access, and exclusive reward points.
HDFC Infinia Credit Card features high-security standards and personal banking support, providing a safe transaction experience for you while giving a customized banking experience. For that, you must meet the necessary criteria such as having a good credit score and being financially stable, making this a great and very rewarding credit card.
How is the design of the HDFC Bank Infinia Credit Card?
The HDFC Infinia Credit Card boasts a premium and elegant design to symbolize exclusivity. It comes in a sleek black color with a metal finish, thus giving it a luxurious and sophisticated look. On the card is engraved the name “Infinia” giving it a premium appeal.
Since it’s made of metal, it’s heavier and far more rugged as compared to common plastic credit cards. With essential details only being printed on its minimalist design, it appears classy and top-notch. Thus, in design, the HDFC Infinia Card can stand perfectly alongside being an elite lifestyle credit card.
What are the benefits of the HDFC Bank Infinia Credit Card?
Here are its top benefits:
1. Reward Points on Every Spend
- 5 reward points for every ₹150 spent on most categories
- 10 reward points for every ₹150 spent on hotel and flight bookings via SmartBuy
- 1 reward point = ₹1 for flight/hotel bookings
2. Unlimited Airport Lounge Access
- Free access to over 1,000+ domestic and international airport lounges for main as well as add-on cardholders
3. Golf Privileges
- Complimentary golf games at premium golf courses across India as well as abroad.
4. Dine on More
- Avail 40% discount on select luxury restaurants with the Good Food Trail Programme.
5. Fuel Surcharge Exemption
- 1% fuel surcharge waiver on all transactions carried out at Indian fuel stations.
6. All-Encompassing Travel Insurance
- ₹3 crores air accident cover and ₹50 lakh medical insurance when traveling abroad.
7. Interest-Free Credit Tenure
- Up to 50 days of interest-free credit can be enjoyed on purchases.
8. Minimal Forex Markup
- Only 2% forex markup on international transactions, more frugal than many premium cards.
9. Annual Spend-Based Renewal Fee Waiver
- The annual fee of ₹12,500 is waived if you spend ₹10 lakh or more in a year.
What are the fees for the HDFC Bank Infinia Credit Card?
Here is a simple breakup of the Credit Card fees.
| Joining Fee | ₹12,499 + GST (one-time fee when you get the card). |
| Annual Fee | ₹12,499 = GST per year. This will be waived if you spend 10,00,000 or more in a year. |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | 3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an HDFC Bank Infinia Credit Card?
The following are the primary requirements:
- To apply for the HDFC Bank Infinia Credit Card, you must be between 18 and 70 years old.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 15 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an HDFC Bank Infinia Credit Card?
The documents that you will have to submit to get an HDFC Infinia Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the HDFC Bank Infinia Credit Card be used?
Here is the list of places where you can use it:
- With the HDFC Infinia Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your HDFC Bank Infinia Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The HDFC Bank Infinia Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the HDFC Bank Infinia Credit Card?
The credit amount you can spend is what you are provided with an HDFC Infinia Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit then penalties get added, and your credit score also goes down.
How do you apply for an HDFC Bank Infinia Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the HDFC Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Bank Infinia Credit Card.
- Just hover your cursor on the HDFC Bank Infinia Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after submitting it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest HDFC Bank branch to apply for the HDFC Bank Infinia Credit Card.
- Request for the credit card application form of the HDFC Bank Infinia Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the HDFC Bank Infinia Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an HDFC Bank Infinia Credit Card in 2025 be right?
Yes, getting an HDFC Bank Infinia Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
HDFC Bank Infinia Credit Card is more than just a credit card-it is a lifestyle icon that gives the customers an all-inclusive package of the best features and benefits. The premium benefits offered by it include unlimited airmiles, worldwide airport lounge access, and exclusive reward points that make it distinguishable from the rest of the credit cards available in the market.
The credit card allows you to earn unlimited airmiles along with exclusive discounts at luxury hotels and restaurants which are one of the best methods for making spending easy. Along with offering exclusive benefits while traveling, HDFC Bank Infinia Credit Card helps you to manage your spending in a much better way.
Along with this, the security and personalized banking support of HDFC Infinia Credit Card makes it a reliable financial tool. The extraordinary customer service and wealth management facilities that cardholders receive help them achieve their financial goals.
Frequently Asked Questions (FAQ’s)
Ans: Yes, a one percent fee is charged on HDFC Infinia Credit Card on a foreign transaction. This one percent fee gets applied on foreign currency transactions.
Ans: Yes, HDFC Infinia Credit card offers many sorts of reward points and discount schemes offered using discountsofferedr on flight tickets and accommodation hotels, amongst many other superior service facility services benefits.
Ans: Yes, HDFC Infinia Credit Card has high-security standards like security anti-fraud technology, 24×7 customer support,t, and state-of-the-art encryption technology. This ensures your financial security.
Ans: If you wish to close your HDFC Infinia credit card, you should call HDFC Bank customer care and follow proper procedures. Moreover, the card must be fully paid off, and any outstanding balance settled.
Ans: HDFC Infinia credit card benefits in various ways including booking airline tickets, discounts on hotels and restaurants, and many special premium services. For all this, one has to pay attention to all the terms and schemes of that card.
