HDFC Infinia Credit Card Review

The hdfc infinia credit card is probably the most Premium credit card you can get in India. Targeting the notch section of the Indian credit card users, HDFC bank has stuffed this card with all sorts of premium benefits. For cashback to reward points and lounge access to complimentary golf rounds, this card has everything to sync with your premium lifestyle.  

What are the hdfc infinia credit card eligibility criteria?

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

  • Resident Type: Indian
  • For salaried person:
    • Age: 21 to 60 yrs  
    • Income: The average income tax return should be greater than Rs. 50,00,000 per year.
  • For self-employed person:
    • Age: 21 to 65 yrs
    • Income: Income The average income tax return should be greater than Rs. 50,00,000 per year.
  • An excellent credit score (780+) will increase the chances of getting this infinia hdfc credit card.
  • High Investment in Equity, Mutual Fund, Insurance, FD, etc.

What documents are required to apply for hdfc bank infinia credit card?

  • 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

As per the new rules, all new credit cards are delivered in an inactive state, and to start using them, the user can activate the card manually by generating a new PIN. If you don’t know about how to activate hdfc infinia credit card? then feel free to take a look at our FAQ page.

What are the hdfc infinia credit card fees?

  • HDFC infinia credit card joining fee: Rs. 10,000 + GST
  • HDFC infinia credit card annual fee: Rs. 10,000 + GST (will be waived off for spending 8 lakhs and more in the preceding 12 months)

What are the hdfc infinia credit card benefits?

  • Enjoy the convenience of credit with a huge credit limit:

For most of their customers, there is no limit on spending, 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. 

  • Add value to your transactions with a powerful cashback program:

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

  • A powerful reward program that will make your every transaction rewarding:

The Details of the hdfc infinia credit card reward scheme are discussed below.

Category of transaction

Rate of earning hdfc infinia credit card reward points

For every transaction made on hotel booking

5 reward points for every Rs.150 transaction.

Hotel booking via Infinia website

2X reward points for every Rs.150 transaction.

Shopping and travel expenses on SmartBuy

10X reward points for every Rs.150 transaction.

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.

  • Make your travel more comfortable with complimentary 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. Click here or the complete hdfc infinia credit card lounge access list.

  • Make your travel more luxurious with exclusive hotel booking benefits:

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.

  • Enjoy a premium dining experience with attractive deals:

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.

  • Make your weekends more refreshing with complimentary golf rounds:

This hdfc infinia credit card features unlimited complimentary golf games at leading courses across India and select courses across the world.

  • Get freedom from fuel surcharges:

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

  • Complimentary insurance coverage to stand for you in emergencies:

The hdfc infinia credit card offers you support in emergency situations with its built-in Insurance coverage scheme. The details are given below.


Total coverage amount

Air accidental death coverage

Rs. 30,00,00,00.

Emergency overseas hospitalization coverage

Rs. 50,00,000.

Credit shield (in case of permanent disability and accidental death of the primary cardholder)

Rs. 9 lakh.

  • Complimentary lost card liability coverage to support you in unfortunate events:

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.

What are the hdfc infinia credit card charges?

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


Payable Amount

HDFC credit card atm withdrawal charges

2.5% of the amount withdrawn or Rs.500, whichever is higher.

HDFC bank infinia credit card finance charges

The hdfc credit card infinia interest rate is 1.99% per month.

HDFC infinia credit card add on card fee

Your hdfc add-on credit card will be free for a lifetime.

Foreign currency transaction charge

2% against the transaction amount.

How to contact the hdfc infinia credit card customer care department?

  • Call the hdfc bank infinia credit card customer care number: 1800-266-4332 (Toll-free) or 022-6160-6161
  • Write to the hdfc infinia credit card customer care email id: 

100xGain Ratings:


Pros and Cons:



  • This hdfc bank infinia credit card offers unlimited free access to airport lounges.
  • There are some very impressive travel benefits on this card.
  • The infinia credit card is also very good at offering reward points.
  • There are no movie benefits on this card.

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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