View source for HDFC Bank Infinia Credit Card

{{Infobox:credit-card-image|Category=Super Premium Credit Card|First Launched=July, 2011|Relaunched=October, 2021|Card's Networks=Visa (Infinite), Mastercard (World)|Reward Rate=3.33%|Airmiles=Yes|Card Image=[[File:Hdfc-infinia.png]]|Card Name=HDFC Bank Infinia Credit Card|Bank Name=HDFC Bank}}
HDFC Bank, often considered the gold standard in Indian credit card offerings, introduced its most prestigious product — the '''HDFC Bank Infinia Credit Card''' — on '''July 12, 2011'''. This card was initially launched as an invite-only, ultra-premium product targeting India’s ultra-high-net-worth individuals. At its inception, it came with a high annual fee of '''₹30,000''', underscoring its exclusivity. Only around '''5,000 selected individuals''' were offered this card at the time of launch.

Over the years, the Infinia Credit Card has evolved both in accessibility and in the breadth of benefits it provides. Today, it stands as one of the most aspirational credit cards in India, with comprehensive lifestyle, travel, and financial privileges that few others can match.

== Charges ==

* '''Annual Fee:''' ₹12,500 + GST (renewable annually)
* '''Joining Fee:''' ₹12,500 + GST (Currently waived off)

== Annual Fee Waiver Condition ==
To encourage high usage, HDFC Bank offers a '''waiver of the renewal fee''' if the cardholder spends '''₹10 lakhs or more''' in the previous card membership year. This ensures continued value for high-spending users...

== Welcome & Renewal Benefits ==
Upon successful card activation and realization of the joining or renewal fee, the cardholder receives:

* '''12,500 Reward Points''' as a welcome or renewal bonus.
* A '''Complimentary Club Marriott Membership''' (for the first year), which entitles users to up to '''20% discounts'''on stays and dining at participating Marriott hotels across the Asia-Pacific region.

== Key Features & Benefits ==

=== Hotel & Dining Privileges ===

* '''ITC Hotel Stays:''' Get '''3 nights for the price of 2''' at select ITC properties.
* '''1+1 Complimentary Buffet:''' Available at participating ITC Hotels across India, this benefit adds value for frequent diners.

=== Golf Privileges ===

* '''Unlimited Complimentary Golf Rounds:''' Access to top golf courses across India and select international courses.
* '''Unlimited Golf Lessons:''' Cardholders can also enjoy personalized golf coaching sessions at select Indian golf courses.
* '''Booking Assistance:''' For reservations, cardholders can call the exclusive concierge service at '''1800 118 887''' or '''022 42320226'''.

=== Airport Lounge Access ===

* '''Domestic Lounges:''' Unlimited free access for both primary and add-on cardholders at airport lounges across India.
* '''International Lounges:''' Unlimited access to over '''1,000 lounges worldwide''' via the '''Priority Pass''' program. Add-on cardholders are also eligible.

=== Fuel Surcharge Waiver ===

* '''1% waiver''' on fuel surcharges across all fuel stations in India.
* Eligible on transactions between '''₹400 and ₹1,00,000'''. <!-- Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee is applicable only for fuel transactions between Rs. 400 to Rs. 1,00,000 (Maximum waiver of INR 1000 per statement cycle).
The rate of surcharge may vary depending on the fuel station and their acquiring bank. GST is as applicable. -->
* '''Note:''' No reward points are awarded on fuel transactions.

=== Dining Offers – Good Food Trail Program ===
* '''Swiggy Dineout Collaboration:''' Enjoy an '''extra 10% discount''' on dining bills at '''35,000+ partner restaurants'''.
* Offer valid on a '''minimum bill of ₹3,500'''.
* Can be availed '''twice per calendar month'''.
* '''Offer Validity:''' From '''January 2, 2025 to December 31, 2025'''.

=== Foreign Currency Markup ===
* A '''competitive foreign transaction fee of just 2% + GST''', making this card suitable for international travelers and spenders.

=== Zero Lost Card Liability ===
* If your card is lost or stolen and reported immediately, you are '''not liable for any fraudulent transactions''' that may occur after reporting.

=== Insurance & Protection Benefits ===
* '''Air Accident Insurance:''' ₹3 Crore
* '''Emergency Overseas Medical Insurance:''' ₹50 Lakhs
* '''Credit Shield Cover:''' ₹9 Lakhs in case of death or disability

== Reward Points Program ==

=== A. Earning Reward Points ===

* Earn '''5 Reward Points''' for every '''₹150''' spent on all eligible retail purchases.
* This includes spends on categories like '''insurance, education, and utilities'''.
* Earn '''up to 10X Reward Points''' on select categories when you shop via the '''HDFC SmartBuy platform'''.

=== B. Redeeming Reward Points ===

* '''Travel Bookings via SmartBuy:''' 1 RP = ₹1 (Flights and Hotels)
* '''Apple/Tanishq Redemptions via SmartBuy:''' 1 RP = ₹1
* '''Airmiles Conversion via NetBanking:''' 1 RP = 1 Airmile
* '''Merchandise/Vouchers:''' 1 RP = up to ₹0.50
* '''Cashback:''' 1 RP = ₹0.30

=== C. Reward Points Terms and Conditions ===

# Only eligible retail transactions qualify for the accumulation of reward points.
# No reward points will be earned on fuel transactions.
# Transactions involving EasyEMI conversions or e-wallet loading are not eligible for reward points.
# If a retail transaction is later converted into SmartEMI, the corresponding reward points will be reversed.
# Reward points earned on insurance transactions are capped at '''5,000 points per day'''.
# Reward points remain valid for '''3 years''' from the date of accrual. For example, points earned in June 2015 will expire in June 2018.
# If the credit card is inactive for more than '''365 consecutive days''', all accrued reward points will be forfeited.
# The accelerated reward points program on the SmartBuy portal is a '''limited-time offer'''. Caps and conditions are governed by the SmartBuy T&Cs.
# A maximum of '''70%''' of the total amount for travel bookings (flights, hotels, experiences) can be paid using reward points. The remaining must be paid via credit card.
# Similarly, a maximum of '''70%''' of the value for Apple products and Tanishq vouchers can be paid using reward points. The balance must be paid using the credit card.

'''11. Reward Point Accrual Restrictions by Category:'''

a. '''Rent, Property, and Government Services:'''

* No reward points will be awarded for rent payments, property management fees, and government service transactions.  b. '''Grocery Transactions:'''
* Reward points on grocery spends are capped at '''2,000 points per calendar month'''.  c. '''Travel & Airmiles Redemption:'''
* Redemption via SmartBuy for flights, hotels, and airmiles is capped at '''1,50,000 reward points per calendar month'''.  d. '''Rent Payments via Third Parties:'''
* A '''1% fee''' will be levied from the '''second rent transaction of the month''' if paid through third-party platforms.  e. '''INR Transactions at Foreign Merchants:'''
* A '''1% dynamic or static currency conversion fee''' applies when transacting in Indian Rupees with overseas-registered merchants or while abroad.

<blockquote>''All above conditions are applicable from '''January 1, 2023'''.''</blockquote>'''12. Additional Spend Category Limits (Effective from September 1, 2024):'''

a. '''Utility Bill Payments:'''

* Reward points capped at '''2,000 points/month'''.  b. '''Telecom Bill Payments:'''
* Reward points capped at '''2,000 points/month'''.  c. '''Education Payments:'''
* No points for payments made via third-party apps (e.g., CRED, Cheq, MobiKwik).
* Points are awarded only if payment is made directly through the institution’s website or POS machines.

# '''Airmiles Conversion:'''

* From '''January 15, 2024''', reward points convert at a 1:1 ratio to Turkish Miles, Accor Live Limitless, and Avianca LifeMiles.

# '''Cashback Redemption:'''

* Maximum of '''50,000 reward points per calendar month''' can be redeemed as cashback against the card statement balance (effective from '''February 1, 2023''').

# '''SmartBuy Product Redemption Caps:'''  a. '''Apple Products:'''
#* Limited to '''one product per calendar quarter''', effective '''October 1, 2024'''.  b. '''Tanishq Vouchers:'''
#* Capped at '''50,000 points per calendar quarter''', effective '''October 1, 2024'''.
# '''Monthly Reward Cap:'''

* Maximum '''2,00,000 reward points''' can be earned in a single credit card statement cycle (for Infinia/Infinia Metal).

== Eligibility Criteria ==

* '''Invite-Only Membership'''. However, those with '''annual income over ₹60 lakhs''' can express interest to the bank.

== Upgrade Options ==
Existing HDFC Bank Credit Card users can '''request an upgrade''' to Infinia if:

* Their current card has a '''credit limit of ₹8 lakhs or above'''.
* They have '''spent ₹10 lakhs or more in the last 6 months'''.