HDFC Bank Infinia Credit Card

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Revision as of 07:44, 25 June 2025 by TechnoFino (talk | contribs) (Created page with "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...")
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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.

Current 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% discountson 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.
  • 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.

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

  • Reward Points expire after 3 years from the month of accrual.
  • Insurance transactions capped at 5,000 RP per day.
  • Fuel, wallet loads, rent, government, and EMI transactions do not earn points.
  • SmartBuy redemptions capped at 1.5 lakh RP/month.
  • Cashback redemptions capped at 50,000 RP/month.
  • Maximum RP accrual per billing cycle: 2,00,000 RP.
  • Apple product redemptions: 1 per quarter.
  • Tanishq redemptions: 50,000 RP/quarter.
  • Rent payments via third-party apps attract 1% fee from 2nd transaction onwards.
  • Foreign online spends in INR attract 1% DCC markup.
  • Utility, Telecom, Grocery Payments: Each capped at 2,000 RP/month.
  • Education Payments: Only direct payments via institution websites or POS are eligible.
  • Airmile Conversions: Reduced conversion ratio for some programs like Turkish Miles, Accor, Avianca from Jan 15, 2024.

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

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.
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