HDFC Infinia Credit Card – Features, Benefits, Eligibility

Metal Credit Cards offer a premium experience with rare access, and the HDFC Infinia credit card is one of the most exclusive options in this segment. It offers elite benefits that only select customers receive.

Since HDFC Infinia credit card eligibility is invite-based, the bank reviews your profile and contacts you directly if you qualify. Once the card is activated, you receive 12,500 Reward Points as a welcome benefit.

All About HDFC Bank Infinia Reward Points

You earn 5 Reward Points for every ₹150 spent. The same rate applies to retail spends, including insurance, utilities and education.

Spending through SmartBuy earns 10x Reward Points, making it the fastest way to build a large balance.

1. Reward Point Value

Each Reward Point holds strong value across premium categories.

• Apple products and Tanishq vouchers on SmartBuy give ₹1 per point.
• Flights and hotel bookings also offer ₹1 per point.
• Airmile conversions give 1 Airmile per point.
• Products and vouchers provide up to ₹0.35 per point.
• Cashback redemptions offer up to ₹0.30 per point.

2. Redemption Limits

The programme allows redemption of up to 2 lakh points per statement cycle. Travel and Airmiles redemptions carry a cap of 1.5 lakh points per month. For Apple and Tanishq purchases, points can cover up to 70% of the bill value.

Note: Cashback redemptions hold a monthly limit of 50,000 points. You can check out the terms and conditions to get the best value.

HDFC Infinia Credit Card Benefits

The card offers a 1% fuel surcharge waiver across India, a simple benefit that adds instant value to routine spends.

Beyond this, the Infinia range brings a set of premium advantages built for high-end travel and lifestyle needs.

1. Luxury Stay Benefits: Enjoy Club Marriott membership for the first year, with up to 25% discounts on dining and stays across the Asia–Pacific region. Get a 3-night stay for the price of 2 at select ITC Hotels.
2. Airport Lounge Access: Access unlimited complimentary lounges within India using the Infinia Card. Outside India, enjoy 1,000+ international lounges with Priority Pass for both primary and add-on users.
3. Golf Privileges: Play unlimited complimentary golf games at top courses in India and select international destinations.
4. Lifestyle and Dining: Get a flat 15% off at over 35,000 restaurants via Swiggy Dineout. Enjoy customised travel and entertainment support through Global Concierge Assistance.

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HDFC Infinia Credit Card Airport Lounge Access Program

Lounge Access within India is granted by swiping the HDFC Infinia Credit Card at the lounge counter. Visa users pay a small ₹2 transaction fee per visit.

Priority Pass lets primary and add-on holders access lounges worldwide. International entry is complimentary. The pass must be shown at the gate. Guest visits are billed at $27 + GST.

Make the most of this card but what about managing the bill? Download the Pice App, where all your credit cards stay organised on one dashboard and your statements are just a few clicks away.

Insurance Benefits by HDFC Bank Infinia Credit Card

The HDFC Infinia card benefits include a strong insurance package that protects you during travel and emergencies. All covers activate once you use the card for the first time.

1. Core Protection

• Accidental Death Cover: ₹3 crore for air accident cases
• Medical Emergency Cover: Up to ₹50 lakh for overseas hospitalisation
• Credit Shield: Up to ₹9 lakh on outstanding dues in case of accidental death or permanent disability
• Lost Card Liability: Protection up to ₹9 lakh for the primary cardholder

2. Claim and Conditions

You must report the claims within 60 days and documents must reach HDFC ERGO within 130 days. Travel insurance applies only to international trips starting from India and is valid for a maximum of 30 days.

HDFC Infinia Credit Card Fees and Charges

Being a part of the premium lineup, the HDFC Infinia Credit Card comes with fees and charges that differ from regular cards.

Note: The renewal fee is waived when total spends reach ₹10 lakh within the card year before the renewal date.

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Important Rules While Using the HDFC Infinia Metal Credit Card

Reward Points will not apply on rent, property services or government payments. Rent made through third-party apps also attracts a 1% fee from the second transaction.

Education payments earn points only when paid directly to schools or colleges, not through third-party apps.

Other important things to keep in mind are:

1. Grocery, utility and telecom rewards are each capped at 2,000 points per month.
2. Travel redemptions, hotel bookings and Airmile transfers through SmartBuy are capped at 1,50,000 points per month.
3. Cashback redemptions are limited to 50,000 points per month.
4. Apple product redemptions on SmartBuy are limited to one product per quarter and Tanishq vouchers are capped at 50,000 points per quarter.
5. International INR transactions attract a 1% conversion fee.
6. A maximum of 2,00,000 Reward Points can be earned in a statement cycle.

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