The HDFC Infinia Credit Card is one of the most prestigious and sought-after premium credit cards in India. It is designed for high-net-worth individuals who seek unparalleled luxury and exclusive benefits. This card offers a host of advantages, including unlimited airport lounge access, exceptional reward rates, golf privileges, and comprehensive travel insurance. In this detailed review, we explore the key features and benefits of the HDFC Infinia Credit Card to help you determine if it aligns with your financial and lifestyle needs.
Overview
| Feature | Details |
|---|---|
| Card Type | Premium Credit Card |
| Reward Rate | 5 reward points for every ₹150 spent |
| Reward Value | 1 Reward point equals ₹1 |
| Annual Fee | ₹12,500 + GST |
| Unique Selling Points | Unlimited lounge access, high reward rate, luxury benefits |
| Rating (out of 5) | 4.8 |
Welcome Benefits for HDFC Infinia Credit Card
| Welcome Benefit | Details |
|---|---|
| Reward Points | 12,500 reward points on first transaction |
| Club Marriott Membership | Complimentary for the first year with up to 20% discounts |
Joining Fees for HDFC Infinia Credit Card
| Fee Type | Details |
|---|---|
| Joining Fee | ₹12,500 + GST |
| Renewal Fee | ₹12,500 + GST |
| Renewal Fee Waivers | Spend ₹10 lakhs in the previous year |
Utility Payment Charges for HDFC Infinia Credit Card
| Payment Type | Charges |
|---|---|
| Rent Payment | 1% fee (capped at ₹3,000) for third-party apps like CRED, Paytm, etc. |
| Education | 1% fee (capped at ₹3,000) for third-party apps like CRED, Paytm, etc. |
| Insurance | No additional charges |
| Utilities | 1% fee on bill payments exceeding ₹50,000 |
Membership Benefits of HDFC Infinia Credit Card
The HDFC Infinia Credit Card offers a variety of premium benefits designed for a luxurious lifestyle:
- Unlimited Lounge Access: Enjoy unlimited complimentary visits to select domestic and international airport lounges.
- Travel Insurance: Comprehensive travel insurance coverage for emergencies and inconveniences.
- Dining Discounts: Avail exclusive dining discounts at partner restaurants.
- Golf Benefits: Complimentary access to select golf courses and exclusive golfing events.
- Concierge Services: 24×7 concierge services for travel, dining, and entertainment.
- Duty-Free Spends: Get 5% cashback on duty-free transactions at over 1000+ airports worldwide, with a max. cashback of ₹1,000 per month.
- Movie Benefit: Enjoy the Buy 1 Get 1 Offer for Visa Infinite cardholders.
- Fuel Surcharge Waiver: 1% waiver on fuel spends (₹400 to ₹1,00,000), no rewards on fuel spends.
Rewards from HDFC Infinia Credit Card
| Spend Category | Reward Rate |
|---|---|
| General Spending | 5 reward points for every ₹150 spent |
| Reward Points Cap | No cap on reward points |
| Reward Value | 1 Reward point equals ₹1 |
| Rewards Expire in | 3 years |
Milestone Benefits of HDFC Infinia Credit Card
| Spending Milestone | Reward Earned |
|---|---|
| NA | NA |
Redemption of HDFC Infinia Credit Card Points
Cardholders can redeem their reward points through various channels:
- Travel: Book flights and hotels via the HDFC rewards portal.
- Gift Vouchers: Redeem points for gift vouchers from leading brands.
- Merchandise: Choose from a range of products in the rewards catalog.
- Cashback: Convert points into cashback credited to your card account.
- Redemption Fee: ₹99 + GST per redemption
Gift Vouchers Available
| Category | Brands |
|---|---|
| Shopping | Myntra, Nykaa, Pantaloons, Levi’s, Lifestyle, Shoppers Stop, Westside, H&M, Central |
| Electronics | Croma |
| OTA | MakeMyTrip, EaseMyTrip |
| Hotels | Marriott Hotels, Taj Hotels, ITC Hotels, Oberoi Hotels |
| Cabs | Uber, Ola |
| Airline | Vistara Voucher, IndiGo, SpiceJet |
| Luxury Brands | Luxe, Armani, Gucci, Burberry |
| Merchandise | Peter England, Van Heusen, Raymond, Arrow |
Airport Lounge Access with HDFC Infinia Credit Card
| Access Type | Details |
|---|---|
| Domestic Lounges | Unlimited complimentary access |
| International Lounges | Unlimited complimentary access |
| Add-on Cardholder Benefits | Same benefits as primary cardholder |
Airport Transfers with HDFC Infinia Credit Card
The HDFC Infinia Credit Card offers complimentary airport transfer services, enhancing your travel experience with convenience and luxury. This service is subject to availability and requires prior booking through the HDFC concierge.
Forex Markup Fee for HDFC Infinia Credit Card
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 2% of the transaction amount |
| Reward Rate for International Spends | 5 reward points for every ₹150 spent |
Eligibility for HDFC Infinia Credit Card
To apply for the HDFC Infinia Credit Card, applicants must meet the following criteria:
- Age: Minimum 21 years old
- Income: Minimum annual income of ₹45 lakhs
- Credit Score: Excellent credit history
- ITR: 45L p.a.
- Other Bank Credit Card: Minimum credit limit of ₹10 lakhs
- Existing HDFC Credit Card: Minimum credit limit of ₹8 lakhs
How to Apply for the HDFC Infinia Credit Card?
Applying for the HDFC Infinia Credit Card is straightforward:
- Online Application:
- Visit the HDFC Bank website.
- Navigate to the “Credit Cards” section and select the “Infinia Credit Card”.
- Click on the “Apply Now” button and fill out the required personal and financial information.
- Submit the necessary documents online as per the instructions.
- Offline Application:
- Visit the nearest HDFC Bank branch.
- Request an application form for the Infinia Credit Card.
- Fill out the form with accurate details and attach the required documents.
- Submit the form at the branch and await approval.
Card Review: HDFC Infinia Credit Card
The HDFC Infinia Credit Card is an excellent choice for high-net-worth individuals seeking luxury and exclusive privileges. With unlimited lounge access, high reward rates, and extensive redemption options, it offers substantial value for those who demand the best in travel and lifestyle benefits.
Rating: 4.8
- Overall Rating: 4.8
- Benefits: 4.9
- Fees: 4.5
- Customer Service: 4.7
Pros and Cons of HDFC Infinia Credit Card
Advantages of the Credit Card:
- Unlimited complimentary access to domestic and international airport lounges.
- High reward rate of 5 points for every ₹150 spent.
- Comprehensive travel insurance and concierge services.
- Complimentary access to select golf courses and exclusive golfing events.
- 5% cashback on duty-free transactions.
Potential Drawbacks:
- High annual fee of ₹12,500 + GST.
- High eligibility criteria.
- No milestone benefits.
Similar Cards from Other Banks
| Credit Card | Annual Fee | Lounge Access | Reward Rate | Reward Value | Special Benefits |
|---|---|---|---|---|---|
| StanChart Ultimate Credit Card | ₹5,000 + GST | Unlimited domestic and international | 5 reward points for every ₹150 spent | 1 Reward point equals ₹1 | Complimentary golf, concierge services |
| SBI Card ELITE | ₹4,999 + GST | 6 domestic and 2 international p.a. | 2 reward points for every ₹100 spent | 1 Reward point equals ₹0.25 | Complimentary movie tickets, club memberships |
| Axis Bank Magnus Credit Card | ₹10,000 + GST | Unlimited domestic and international | 12 EDGE reward points for every ₹200 spent | 1 EDGE reward point equals ₹0.20 | Travel vouchers, dining discounts |
| American Express Platinum Card | ₹60,000 + GST | Unlimited domestic and international | 1 membership reward point for every ₹50 spent | 1 Membership reward point equals ₹0.50 | Luxury hotel benefits, concierge services, travel insurance |
Comparison
- StanChart Ultimate Credit Card offers a lower annual fee and comes with complimentary golf and concierge services, making it a good alternative for luxury seekers.
- SBI Card ELITE has a lower annual fee and provides benefits like complimentary movie tickets and club memberships, suitable for those seeking entertainment benefits.
- Axis Bank Magnus Credit Card offers higher reward points per spend and travel.
HDFC Infinia Credit Card Review Features and Benefits - CardReview
HDFC Infinia Credit Card exclusive features and benefits, including premium rewards, travel perks. Why you should get this Card? detailed review.
Product Currency: INR
Product Price: ₹12,500 + GST
Product In-Stock: PreOrder
4.8
Pros
- Unlimited complimentary access to domestic and international airport lounges.
- High reward rate of 5 points for every ₹150 spent.
- Comprehensive travel insurance and concierge services.
- Complimentary access to select golf courses and exclusive golfing events.
- 5% cashback on duty-free transactions.
Cons
- High annual fee of ₹12,500 + GST.
- High eligibility criteria.
- No milestone benefits.
HDFC Infinia Credit Card Review Features and Benefits - CardReview
HDFC Infinia Credit Card exclusive features and benefits, including premium rewards, travel perks. Why you should get this Card? detailed review.
Product Currency: INR
Product Price: ₹12,500 + GST
Product In-Stock: PreOrder
4.8
Pros
- Unlimited complimentary access to domestic and international airport lounges.
- High reward rate of 5 points for every ₹150 spent.
- Comprehensive travel insurance and concierge services.
- Complimentary access to select golf courses and exclusive golfing events.
- 5% cashback on duty-free transactions.
Cons
- High annual fee of ₹12,500 + GST.
- High eligibility criteria.
- No milestone benefits.
