The HDFC Infinia Credit Card has emerged as one of the most popular and aspirational offerings in India’s premium credit card segment. Designed for high-income individuals, HDFC Infinia Credit Card Metal Edition provides a suite of luxury benefits tailored for travel, dining, lifestyle, and rewards. From unlimited airport lounge access and high reward point accrual to exclusive hotel privileges and concierge assistance, the HDFC Infinia Credit Card stands out as a high-value product for discerning users.
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In this comprehensive article, we will cover everything you need to know about the HDFC Infinia Credit Card, including its eligibility criteria, key features, benefits, fees and charges, and how to apply.
HDFC Infinia Credit Card eligibility
The HDFC Bank Infinia Credit Card Metal Edition is not available through standard application. Membership is strictly by invitation only.
Typically, it is extended to existing HDFC Bank customers who maintain a high credit score, substantial banking relationship, or meet internal eligibility parameters defined by the bank.
HDFC Infinia Credit Card benefits, reward points
Accrual Reward points: HDFC Infinia Credit Card offers 5 Reward Points per ₹150 spent on retail transactions, including insurance, utility payments, and educational expenses
Moreover if you spend via SmartBuy platform on travel and shopping you can Earn up to 10X Reward Points
How to redeem HDFC Infinia Credit Card reward points
You can redeem their HDFC Infinia Credit Card Metal Edition reward points in multiple ways, depending on your preferences and spending goals.
When redeeming points for flight and hotel bookings through the HDFC SmartBuy platform, each reward point is equivalent to ₹1.
Similarly, if you choose to redeem points for Apple products or Tanishq vouchers on SmartBuy, you will receive a value of ₹1 per point.
For those interested in travel miles, reward points can be converted into air miles via HDFC NetBanking at the rate of 1 reward point to 1 air mile.
If you wish to use your points for purchasing other products or gift vouchers through SmartBuy or NetBanking, the redemption value is up to ₹0.50 per reward point.
Lastly, if you prefer cashback, your reward points can be redeemed via NetBanking at a rate of ₹0.30 per point.
Reward Points on Infinia generally do not expire as long as the card is active. There is also no upper cap on RP earning per month.
HDFC Infinia Credit Card other benefits: Club Marriott membership and dining privileges
HDFC Infinia Credit Card offers a complimentary Club Marriott membership for the first year.
This membership provides up to 20% discount on dining and stays at participating hotels across the Asia-Pacific region.
Additionally, cardholders can enjoy an exclusive offer at ITC Hotels where they can book a stay for three nights and pay for only two.
The card also provides a 1+1 complimentary buffet offer at select ITC Hotels, enhancing the overall dining experience.
HDFC Infinia Credit Card lounge access
HDFC Infinia Credit Card offers unlimited complimentary access to domestic airport lounges for both primary and add-on cardholders.
Additionally, cardholders can enjoy unlimited international lounge access at over 1,000 airports worldwide through the Priority Pass program.
This benefit is also extended to add-on Priority Pass holders, making international travel more comfortable and convenient for the entire family.
HDFC Infinia Credit Card Good Food Trail Program
The HDFC Infinia Credit Card includes access to the Good Food Trail Program, launched in partnership with Swiggy Dineout. Under this program, you can enjoy a flat 10% extra discount on dining bills at over 35,000 participating restaurants across India.
This exclusive offer is valid from January 2, 2025, to December 31, 2025.
HDFC Infinia Credit Card golf privileges
HDFC Infinia Credit Card offers exceptional golf benefits for enthusiasts and professionals alike. Cardholders enjoy unlimited complimentary rounds of golf at leading golf courses across India and select international destinations.
In addition to gameplay access, the card also provides unlimited complimentary golf coaching sessions at select premium golf courses within India.
These privileges can be availed through the concierge service, making it convenient to schedule and enjoy golf experiences year-round.
HDFC Infinia Credit Card fuel surcharge waiver
HDFC Infinia Credit Card offers a 1% fuel surcharge waiver on transactions made at all fuel stations across India.
This waiver is applicable on fuel purchases ranging between ₹400 and ₹1,00,000. However, it is important to note that reward points are not accrued on fuel transactions, even though the surcharge benefit applies.
HDFC Infinia Credit Card welcome and renewal benefits
As a welcome benefit, HDFC Infinia Credit Card offers a complimentary Club Marriott membership along with 12,500 reward points upon successful card activation and fee realization. On renewal, cardholders are again entitled to 12,500 reward points once the renewal fee is realized.
Additionally, if the total spending on the card exceeds ₹10 lakh in the preceding 12-month period, the renewal membership fee for the following year is waived. This makes the card especially rewarding for high-spending individuals who can fully leverage its premium offerings while minimising annual costs.
HDFC Infinia Credit Card insurance coverage
HDFC Infinia Credit Card includes extensive insurance coverage to enhance financial protection during travel and unforeseen events.
The card provides an Accidental Air Death Cover of up to ₹3 crore for the primary cardholder.
It also offers Emergency Overseas Hospitalization coverage of up to ₹50 lakh to manage unexpected medical expenses while traveling abroad.
Furthermore, a Credit Shield Cover of up to ₹9 lakh is included to cover any outstanding dues in case of permanent disability or death of the cardholder.
Also read :3 best Reward credit card for daily use spending and rewards
HDFC Infinia Credit Card joining fee, annual fee, and other charges
The HDFC Infinia Credit Card comes with a one-time joining fee of ₹12,500 plus applicable GST.
An annual renewal fee of ₹12,500 plus GST is also applicable; however, this fee is waived if the cardholder spends ₹10 lakh or more in the preceding 12-month period.
For international transactions, the card carries a foreign currency markup fee of 2%.
Finance charges are applicable based on card usage and are subject to the terms defined by HDFC Bank.
Additionally, the card offers a 1% fuel surcharge waiver on transactions ranging from ₹400 to ₹1,00,000 at fuel stations across India.
However, no reward points are awarded on fuel transactions, even though the surcharge waiver benefit applies.
HDFC Infinia Credit Card interest rate
The HDFC Infinia Credit Card provides an interest-free credit period of up to 50 days from the date of purchase, subject to timely submission of charges by the merchant.
Cardholders also have access to revolving credit facilities at nominal interest rates, offering financial flexibility for short-term borrowing.
Additionally, the card allows users to convert large purchases into Equated Monthly Installments (EMIs) after the transaction. This Smart EMI option comes with flexible tenures and applicable interest rates, making it easier to manage high-value expenses over time.
Here’s a comprehensive table to understand HDFC Infinia credit card:
| Category | Details |
|---|---|
| Eligibility | Invite-only, based on internal criteria such as credit score, income, and existing HDFC relationship. |
| Key Features | Metallic card, unlimited lounge access (domestic + international), 24×7 global concierge, 5 Reward Points per ₹150 spent, Club Marriott membership. |
| Reward Points Accrual | 5 Reward Points per ₹150 on all retail spends, including insurance, utilities, and education. Up to 10X points on travel and shopping via SmartBuy. |
| Reward Points Redemption | 1 RP = ₹1 on flights/hotels/Apple/Tanishq via SmartBuy, 1 RP = 1 Airmile, up to ₹0.50 for products/vouchers, ₹0.30 for cashback. Points do not expire. No monthly cap. |
| Dining Benefits | Complimentary Club Marriott membership for first year. Up to 20% off on dining and stays. Stay 3 nights, pay for 2 at ITC Hotels. 1+1 buffet offer at select ITC Hotels. |
| EMI & Interest Benefits | Up to 50 days of interest-free credit. Revolving credit at nominal interest. Smart EMI conversion on large purchases. |
| Lounge Access | Unlimited complimentary access to 1000+ lounges worldwide via Priority Pass. Benefit extended to both primary and add-on cardholders. |
| Good Food Trail Program | Flat 10% extra discount on dining at 35,000+ restaurants via Swiggy Dineout. Valid from Jan 2, 2025 to Dec 31, 2025. |
| Golf Privileges | Unlimited complimentary golf games at top Indian and select international courses. Complimentary coaching at select Indian courses. Concierge-assisted booking. |
| Fuel Surcharge Waiver | 1% waiver on fuel spends between ₹400 and ₹1,00,000. No reward points on fuel transactions. |
| Welcome & Renewal Benefits | Complimentary Club Marriott membership + 12,500 RP on joining and renewal. Renewal fee waived on annual spend ≥ ₹10 lakh. |
| Insurance Coverage | ₹3 Cr air accidental death cover, ₹50 L emergency overseas hospitalisation, ₹9 L credit shield cover. |
| Charges & Fees | ₹12,500 + GST joining and renewal fee. Renewal waived on ₹10L spend. Forex markup: 2%. Finance charges as per bank policy. |
Please note –
1 Finance Pvt. Ltd. operates independently and does not issue/provide credit cards. The information presented herein is intended solely for educational and informational purposes and should not be construed as financial advice. Before making any financial decisions, it’s essential to undertake your own thorough research and analysis. If you’re uncertain about any financial matters, we strongly recommend seeking guidance from an impartial financial advisor.
