
HDFC Financial institution’s Infinia Credit score Card, a dream card for each bank card fanatic, is an evergreen super-premium bank card in India that has stood the take a look at of time. If there’s a single bank card that continues to be related even a decade after its launch, it could be HDFC Financial institution’s Infinia Credit score Card.
The financial institution has just lately launched a steel variant of the Infinia, named Infinia Steel Version, that includes a steel kind issue, whereas all different options stay the identical. Right here’s every part you must know concerning the HDFC Infinia Credit score Card in its present kind.
Overview
Kind | Tremendous Premium Credit score Card |
Reward Price | 3.3% – 33% |
Annual Price | 12,500 INR + GST |
Greatest for | Common spends, lounge entry |
USP | 5X/10X Rewards on Smartbuy Spends |
HDFC Financial institution Infinia Credit score Card is a feature-packed bank card providing a number of advantages together with an excellent reward fee, lounge entry, low foreign exchange markup charge & accelerated rewards on Smartbuy spends that may get you loopy returns, as excessive as 33% on choose spends.
Becoming a member of Charges
Becoming a member of / Annual Price | Rs.12,500+GST |
Welcome Profit | 12,500 Factors (12,500 INR worth) |
Renewal Price | Rs.12,500+GST |
Renewal Profit | 12,500 Factors (12,500 INR worth) |
Renewal Price Waiver | Spend Rs.10L within the card anniversary 12 months |
The nice factor with HDFC Infinia Credit score Card as in comparison with different tremendous premium playing cards throughout the financial institution like Diners Black is that even for those who don’t spend 10L a 12 months, you’ll get the renewal profit for the charge paid, which is nice sufficient for all the advantages it comes with.
design“>design

Let’s discuss each the outdated and new designs, as proven within the above picture: outdated(plastic) and new(steel), respectively.
When the financial institution transitioned to the steel variant a 12 months in the past, they launched a brand new design, which, for my part, was one of many worst selections ever made.
Whereas designs are subjective, I don’t know anybody who likes the brand new design. It’s darkish and uninteresting, missing any artistic components.
That being stated, their outdated design is among the finest I’ve ever seen. The golden numbers and title embossed on the cardboard used to look stunningly stunning, simply as you may see above.
Reward Factors
SPEND TYPE | REWARDS | REWARD RATE | MAX. CAP |
---|---|---|---|
Common Spends | 1X 5 RP / 150 INR |
3.3% | 2L RP / Stmt Cycle |
Motels (Through Smartbuy) |
10X 50 RP / 150 INR |
33% | 15,000 RP / Shared (Max: 50K INR spend) |
Flights / eVouchers (Through Smartbuy) |
5X 25 RP / 150 INR |
16.5% | 15,000 RP / Shared (Max: 1.14L INR spend) |
- Factors Validity: 3 Years
- RP Capping on Grocery: 2000 RP / Calendar month
- RP Capping on Insurance coverage: 5000 RP / day
- Capping on Smartbuy is on 9X/4X bonus factors.
- EMI, Tax, Gas, Hire & Pockets txns are excluded for Reward Factors
- 1% charge on Hire Funds
Whereas flights, motels, and e-vouchers are well-liked areas of spends beneath SmartBuy, you may also earn accelerated 3X/5X/10X rewards on many different classes, as talked about here.
In case you’ve enterprise spends like taxes on which you don’t earn rewards on Infinia, you may discover the newly launched HDFC BizBlack Credit Card because it not solely offers you rewards on taxes but additionally affords engaging bonus factors on choose enterprise spends.
To not overlook that HDFC Smartbuy T&C retains altering very often however have been largely steady up to now 12 months or so.
Redemption
Redemption Kind | Redemption Ratio | MAX. Redemption (Calendar month) |
---|---|---|
Flights / Motels | 1:1 | 1,50,000 RP (Shared Max. Cap) |
Apple Merchandise | 1:1 | 1,50,000 RP (Shared Max. Cap) |
Tanishq Vouchers | 1:1 | 50,000 RP (a part of 1.5L max cap) |
Airmiles (airways/motels) | 1:1 / 2:1 | 1,50,000 RP (Shared Max. Cap) |
Merchandise/Vouchers | 1:0.5 | – |
Cashback | 1:0.3 | – |
- Redemption Rule: 70% from reward factors, 30% from Credit score Card.
- You get 5X/10X factors on the remaining 30% paid on card.
Often flights & motels are one of the best choices to redeem HDFC Infinia Credit score Card reward factors.
For a short while nevertheless, airmiles was once an incredible choice because it permits one to switch factors at 1:1 for many companions together with Accor/lifemiles. I hope that returns to Infinia or at-least Infinia Reserve in future.
Foreign exchange Markup Price
- Overseas Forex Markup Price: 2%+GST = 2.36%
- Rewards: 3.3% + 1%
- Web Achieve: 4.3% – 2.36% = ~2% (achieve)
Similar to most different tremendous premium bank cards, HDFC Infinia Credit score Card additionally comes at a reduced foreign exchange markup charge of two%.
And for those who activate the Global Value Program you get 1% further cashback thereby getting you a web 2% achieve on foreign exchange spends.
Airport Lounge Entry
ACCESS TYPE | VIA | LIMIT | GUEST ACCESS |
---|---|---|---|
Home Lounge Entry | Visa/MC | Limitless | – |
Worldwide Lounge Entry | Precedence Go | Limitless | – |
The Home & Worldwide airport Lounge entry profit isn’t just for the first cardholder but additionally extends to all Add-on cardmembers as nicely.
To not overlook that the Precedence Go on HDFC Infinia is among the only a few playing cards within the nation that may additionally give complimentary entry to home lounges. It comes useful at instances when different playing cards aren’t accepted in choose lounges, like Mumbai Arrival lounge and even the brand new Precedence Go Lounge in Chennai.
Golf Profit

- Complimentary Video games/Classes: Limitless
- Protection: 20 home / 140 worldwide Golf Programs
- Only one reserving could be held at a time
- Min. / Max. Advance Reserving Interval: 4 Days / 14 Days
The Golf profit on HDFC Infinia Credit score Card is kind of respectable because it not solely covers most golf curses in India but additionally an excellent variety of Worldwide Golf Programs.
Different Advantages
- Keep for 3-nights and pay for 2 at taking part ITC motels.
- 1+1 complimentary buffet at taking part ITC motels.
- Complimentary Membership Marriott membership for first 12 months that gives as much as 20% reductions for Eating and keep throughout Asia – Pacific area
- Gas Surcharge Waiver: on transactions between Rs.400 and Rs.1,00,000
Infinia vs Infinia Steel

Within the above picture you may see: Infinia(plastic, outdated design), Infinia(plastic new design) and Infinia(Steel Version), respectively
The first distinction between Infinia plastic & steel is it’s steel kind issue that comes with a further charge of two,500 INR and a barely increased eligibility requirement. All else stay the identical.
In case you’re on the plastic Infinia with outdated design and change the cardboard, you’re going to get the plastic Infinia with new design as proven above.
In case you want the Infinia Steel Version, You’ll have to request your RM for an improve.
Is Infinia good in 2024?
It is dependent upon who’s asking that.
- Airmiles fanatic? Then No!
- Want easy redemptions? Then Sure!
Their legendary Smartbuy 10X program is among the finest within the trade which has now turn into a regular function throughout many tremendous premium playing cards.
Nonetheless, in 2024 it lacks the wow issue as a result of the competitors has been aggressive, like, Axis Magnus Burgundy Credit score Card with sky excessive reward charges on excessive common spends and Sure Financial institution’s Marquee Credit Card that has beneficiant rewards on on-line spends.
Nonetheless, the draw back with Axis/Sure Financial institution playing cards are that they will’t be trusted for a very long time as they preserve devaluing typically, which isn’t the case with HDFC Infinia.
My Expertise

I’ve been holding HDFC Infinia Credit score Card for nicely over half a decade and it’s definitely probably the greatest bank cards on the market surely.
Whereas I’ve not been utilizing Infinia a lot currently due to a lot increased returns on Axis Magnus, issues are getting again to regular and I’ve began utilizing HDFC Infinia once more particularly once I don’t favor to have a look at Axis Financial institution’s lengthy checklist of exclusions.
Eligibility
- Contemporary Card: ITR: >45L p.a. (or) Imperia/Infiniti banking relationship with ITR near what’s required.
- Improve: >8L Credit score Restrict with >7.5L spends in final 6 months
Above are the same old methods by which most get their HDFC Infinia Credit score Card. Although, there are different methods like getting one by way of FD, by taking funding merchandise, and so on which retains altering on occasion.
General, it’s not that robust to get HDFC Infinia in 2024 in comparison with how robust it was once some 5 years in the past.
Find out how to Apply?
You could apply on-line for those who’re making use of for a contemporary card and eligible through ITR route. In any other case, you might go to the department and apply with the assistance of RM/BM.
Bottomline
The HDFC Financial institution Infinia Credit score Card is undoubtedly one of many best credit cards out there within the nation for rich Indians.
From limitless lounge entry for the whole household to engaging rewards, low foreign exchange expenses and golf advantages, it’s vital bank card in your pockets so long as you’re eligible for it.
That stated, there may be room for enchancment, particularly for reward seekers who’ve skilled the mind-blowing worth of air miles. So, a 1:1 switch ratio with factors switch companions like Accor and Aeroplan could be good to have, maybe on the upcoming HDFC Infinia Reserve.