HDFC Bank Infinia Credit Card Review

If you are willing to get the best possible benefit out of a super-premium credit card in India then you must go for the hdfc infinia credit card. It’s targeted towards the High Net Worth Individuals offering the best rewards for its top-notch customers with exclusive customer support along with mind-blowing exclusive offers and benefits from the infinia hdfc credit card.

Eligibility Criteria:

Being an invitation-only credit card HDFC Bank didn’t reveal the criteria. Though as per my experience, here I’m sharing the details

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 – 60 yrs  
    • Income: ITR > Rs. 50,00,000
  • For self-employed person:
    • Age: 21 – 65 yrs
    • Income: Income Tax Return > Rs. 50,00,000 per annum
  • A long relationship with HDFC Bank.
  • Excelling Credit Score.
  • High Investment in Equity, Mutual Fund, Insurance, FD, etc.

Required Documents:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business


  • Joining Fee: Rs. 10,000 + GST
  • Annual Fee: The hdfc credit card annual fee for this particular card is Rs. 10,000 + GST (will be waived off for spending 8 lakhs and more in the preceding 12 months)


Generally, HDFC credit card offers tons of benefits to its customers, among them hdfc infinia credit card is the No.1 in every possible aspect of benefits.

  • Credit Limit:

For most of their customers, there is no hdfc credit card limit on spending on this card, though the minimum limit is Rs. 8,00,000. If you want to increase hdfc credit card limit then visit our HDFC FAQs page. You will find some tips that will help you to increase your credit limit. 

  • Cashback:

From time to time hdfc credit card comes up with a marvelous offer for their privileged cardholders.

  • Reward Points:

For every Rs. 150 spend you will get 5 reward points. For booking, via the Infinita website, the cardholder will get 2X reward points.

For using Smartbuy the hdfc infinia credit card holder will get 10 times reward points on travel and shopping spends.

From the date of accumulation, the hdfc credit card reward points validity will be for 3 years. You will get so many places, products, and services to redeem those rewards points from the hdfc credit card reward catalog that you will be surprised.

  • Airport Lounge Access:

When it comes to airport lounge access hdfc credit card is the leader of all. This card offers unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges. Cardholders will also get 4 complimentary lounge visits in domestic lounges per quarter.

  • Hotel Booking:

The hdfc credit card offers on hotel booking are awesome. With your HDFC Infinia Credit Card, you will get a complimentary 1 year Club Marriott membership which offers up to 20% discounts for Dining and Stays across Asia – Pacific region.

  • Dinning:

You will get exclusive hdfc credit card dining offers with this card. You can experience up to 15% discount across the top restaurants at more than 3000 restaurants.

  • Golf:

You also enjoy unlimited complimentary golf games at leading courses across India and select courses across the world.

  • Fuel Surcharge:

1% fuel surcharge waiver at all fuel stations minimum transaction amount Rs. 400.

  • Foreign Exchange Rate:

The HDFC Infinia credit card offers the lowest mark-up fee of 2% on all foreign currency transactions.

  • Insurance:

In case of accidental air death, it covers Rs. 30,00,00,00.

In case of emergency overseas hospitalization up to Rs. 50,00,000.

The outstanding amount on the card will be covered to an extent of Rs.9 lakh in case of permanent disability and accidental death of the primary cardholder.

  • Card Loss Liability:

In case of any unfortunate event, you have to report it to customer care and will get up to Rs. 9,00,000 coverage on any fraudulent transactions made on the card.


In comparison with other hdfc credit card interest charges, this card’s rate of interest is very attractive.

  • HDFC credit card atm withdrawal charges: 2.5% of the amount withdrawn or Rs.500, whichever is higher.
  • Finance Charges: Normally finance charges in hdfc credit card are higher but in this case, it is 1.99% per month.
  • Add-on card fee: Your hdfc add-on credit card will be free for a lifetime. 

Contact Details:


  • 1800-266-3310
  • 1800-102-3310
  • 022-6171-7606


100xGain Ratings:


Final Opinion:

Undoubtedly, hdfc bank infinia credit card is the best hdfc credit card from its entire list of hdfc bank credit card offerings, so if you are eligible for it then you must go and grab it. If you are a high spender who likes to buy high-end tech gadgets or like to go overseas then I think you will enjoy this card a lot.

There are some alternative credit card options given below you can take a look at them. 

Alternative Cards: 

  1. AU Small Vetta. (Best for Reward Point and Lounge Access)
  2. HDFC Bank Diners Club Black Credit Card. (Best for Reward Point, Lounge Access, and Golf)
  3. RBL Practo Plus Credit Card. (Best for Lounge Access and Health Points)

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