HDFC 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 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
    • Self-employed person
      • Income tax return of the last year
      • Proof of business


  • Joining Fee: Rs. 10,000 + GST
  • Annual Fee: 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 this hdfc infinia credit card is the No.1 in every possible aspect of benefits.

  • Credit Limit:

For most of their customers, there is no limit on spending is applied on this card, though the minimum limit is Rs. 8,00,000.

  • 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 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 validity of the hdfc credit card reward points will be for 3 years. Unlike other hdfc credit card reward points redemption opportunities with this card, you will get so many places, products, and services to redeem those rewards points that you will be surprised.

  • Airport Lounge Access:

This card offers unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges.

Cardholders get 4 complimentary lounge visits in domestic lounges per quarter.

  • Hotel Booking:

HDFC Infinia Credit Card users get a complimentary 1 year Club Marriott membership which offers up to 20% discounts for Dining and Stays across Asia – Pacific region.

  • Dinning:

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:

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 rates, this card’s rate of interest is very attractive.

  • Cash Withdrawal Charge: 2.5% of the amount withdrawn or Rs.500, whichever is higher.
  • Finance Charges: 1.99% per month.

Bill Payment:

After the bill generation, hdfc credit card bill gets 50 days’ time to repay the bill.

Contact Details:

HDFC credit card customer care / HDFC credit card toll-free number:

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

HDFC credit card customer care email id:

[email protected]

100xGain Ratings:


Final Opinion:

Undoubtedly, hdfc infinia credit card is the best hdfc credit card from its entire lists of hdfc bank credit card offerings, so if you are eligible for it then 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.

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