HDFC Infinia Credit Card


The HDFC Infinia Credit Card is a premium travel and lifestyle card designed for individuals seeking exclusive benefits. Cardholders earn 5 reward points for every ₹150 spent on most purchases, enabling quick accumulation of points for luxurious travel and lifestyle rewards. Offering a high credit limit and an interest-free period of up to 50 days, it provides excellent flexibility for high spenders.

With perks like complimentary night stays, Marriott Club memberships, golf privileges, and low foreign currency markups, this card elevates your lifestyle. The annual fee ranges from ₹10,000 to ₹12,500 + GST, reflecting its premium features.


With HDFC Infinia Credit Card you can enjoy unlimited complimentary access to over 1,000 airport lounges, both in India and internationally, with Priority Pass.

HDFC Infinia Credit Card Features

Let us look at the features that come with the HDFC Infinia Credit card which is designed to step up your lifestyle :

Feature Description
Reward Points You can earn 5 Reward Points for every ₹150 spent on most purchases.
Up to 10x Reward Points on travel and shopping spending via SmartBuy.
Bonus Rewards You can receive up to 12,500 reward points as a welcome bonus.
Welcome Benefits Complimentary one-year Club Marriott membership.
Fuel Surcharge Waiver 1% waiver on fuel transactions worth ₹400 to ₹1 Lakh, with a maximum waiver of ₹1,000 per month.
Contactless Payments Supported for fast and secure transactions.

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HDFC Infinia Bank Credit Card Eligibility

Let us look at some of the eligibility criteria for the HDFC Infinis Bank Credit Card :

  • The main cardholder can be an Indian resident or a non-resident.
  • The applicant’s age must be between 18 and 70 years.
  • Add-on cardholders must be at least 15 years old.

HDFC Infinia Credit Card Benefits

Let us look at the benefits of the HDFC Infinia credit card that will help you understand the advantages of having it :

  1. HDFC Infinia Milestone Benefits
    • Spend ₹10 lakh or more in a year and get your renewal membership fee waived for the next year.
  2. HDFC Infinia Travel Privileges
    • Priority Pass Membership: Complimentary access to over 1,000 airport lounges in India and abroad.
    • Lounge Facilities: Enjoy refreshments, business centers, and other amenities for both primary and add-on cardholders.
    • Domestic Lounge Access: 4 complimentary visits to domestic lounges per quarter under the MasterCard/Visa Lounge Access Program
    • Foreign Currency Markup: Enjoy the lowest 2% markup fee on international transactions.
  3. HDFC Infinia Lifestyle Benefits
    • Personal Concierge: Get assistance with hotel bookings, dining reservations, movie tickets, and more.
      • Call 1800 118 887 or 022 42320222 for support.
    • Golf Privileges:
      • Complimentary rounds of golf at premium golf courses in India and worldwide.
      • Visit the HDFC Bank website for the list of eligible golf courses.
      • Enjoy a 100% green fee waiver as a primary cardholder.
    • Club Marriott Membership: Complimentary membership offering exclusive dining and travel perks.
  4. HDFC Infinia Dining Benefits
    • Restaurant Discounts: Get up to 15% off at over 3,000 participating restaurants.
    • Marriott Hotel Dining:
      • Enjoy up to 20% off on food and drinks at Marriott Hotels.
      • Get up to 20% off on rooms at Marriott Hotels in India (Best Available Rates) and on Weekend Rates at Marriott Hotels in the Asia Pacific region.
  5. HDFC Infinia Financial Benefits
    • Foreign Currency Markup: Lowest markup fee at 2% + GST for international transactions.
    • Fuel Surcharge Waiver:
      • 1% waiver on fuel transactions between ₹400 and ₹1 lakh.
      • Maximum waiver of ₹1,000 per statement cycle.
    • Interest-Free Period: Enjoy up to 50 days of interest-free credit.
    • Cash Withdrawal: Withdraw up to 40% of the credit limit without cash withdrawal fees.
  6. HDFC Infinia Insurance Benefits
    • Air Accident Insurance: ₹3 crore compensation to the nominated beneficiary in case of accidental death.
    • Medical Insurance: Coverage of up to ₹50 lakh while traveling abroad.
    • Disability or Death Insurance: Up to ₹9 lakh coverage for permanent disability or accidental death.
  7. HDFC Infinia Reward Point Benefits
    • Earning Points:
      • Earn 5 Reward Points for every ₹150 spent on the card.
      • Earn up to 10X Reward Points on travel and shopping via SmartBuy.
      • Earn 2X Reward Points on dining, flight bookings (Air Vistara), and bookings made on the Infinia website.
    • HDFC Infinia Redeeming Points:
      • Convert Reward Points into Air Miles for tickets and services on domestic and international airlines.
    • HDFC Infinia Reward Points Validity: Points are valid for 3 years from the date of accumulation.

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HDFC Infinia Credit Card Charges

Let us understand the charges associated with the HDFC Infinia credit card which is essential for managing your finances effectively:

HDFC Infinia Credit Card Primary fee

Type of Charge Amount
Joining Fee ₹12,500
Renewal Fee ₹5,000
Minimum Repayment Amount 5% of the total amount or a maximum of ₹200
Cash Withdrawal Fee 2.5% of the withdrawn amount (minimum ₹500)
Cash Advance Limit 40% of the credit limit

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HDFC Infinia Credit Card Late Payment Charges

Statement Balance (₹) Late Payment Fee (₹)
Up to ₹100 NIL
₹101 to ₹500 ₹100
₹501 to ₹1,000 ₹500
₹1,001 to ₹5,000 ₹600
₹5,001 to ₹10,000 ₹750

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HDFC Infinia Credit Card Additional fees

Charge Type Amount
Over Limit Charges 2.5% of the over-the-limit amount (minimum ₹550)
Cash Processing Fee ₹100 per transaction
Payment Return Charges 2% of the payment amount (minimum ₹450)
Card Re-Issuance Charges ₹100 per instance
Duplicate Statement ₹10 per statement

Steps to Apply for HDFC Infinia Credit Card

You can apply for the HDFC Bank Infinia Credit Card using online or offline methods. Apply online for an Infinia card on the official portal or apply for the card offline by visiting the bank or get in touch with a bank representative.

HDFC Infinia Credit Card Online Application

The steps are mostly clear, but there are a few grammatical and stylistic errors. Here's a corrected version:

Step 1:You can apply through the HDFC Bank website.

HDFC Bank Official Website to apply for Infinia Credit Card

Step 2:Scroll down to the footer, where you will find the Resources section. Click on it.

HDFC Bank Official Website Resources in Footer Section

Step 3: On the next page, click on Learning Centre.

HDFC Bank Official Website Resources Learning Centre

Step 4:Look for the PAY option and click on it.

HDFC Bank Learning Centre Infinia Credit Card

Step 5:Search for HDFC Bank Infinia Credit Card.

Step 6:Once the page opens, click on ‘Apply for Credit Card’.

HDFC Bank Apply for Infinia Credit Card

Step 7:Fill out the form and submit it.

After submission, you will get a tracking ID, which you can use to check the status of your application.

Apply for HDFC Infinia Credit Card Offline

Step 1:Visit the nearest HDFC Bank branch and fill out the application form.

Step 2:Alternatively, you can call the bank’s customer care to start the application process.

Steps to Redeem HDFC Infinia Reward Points

You can redeem your reward points through offline or online methods. Here's how:

Redeem HDFC Infinia Rewards Online

  1. Log in to your HDFC credit card net banking account.
  2. Go to the ‘Credit Cards’ tab.
  3. Register your credit card if not already registered.
  4. Click on ‘Redeem Reward Points’.
  5. Select your card and click ‘Continue’.
  6. On the new page, choose your ‘point range’ and ‘item category’ from the available options.
  7. Add the items you wish to redeem to your cart.
  8. Click ‘View Shopping Cart’ to review your selection.
  9. Tick the box to confirm you have read the terms and conditions.
  10. Click ‘Redeem’ and submit your request.

Redeem HDFC Infinia Rewards Offline

  1. Visit the HDFC Bank website and download the Reward Points Redemption Form.
  2. Fill out the form with the required details.
  3. Send the completed form to the following address:

Rewards Helpdesk
HDFC Bank Cards Division
P.O. Box No. 8654
Thiruvanmiyur, P.O.
Chennai - 600041

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Frequently Asked Questions

Enjoy unlimited airport lounge access, premium travel and lifestyle privileges, a high reward rate, golf course access, and concierge services.

Apply through HDFC NetBanking, the HDFC website, or contact customer service for assistance.

The annual fee is ₹12,500 + GST, with a potential waiver based on annual spending.

Eligibility depends on income and credit score; check via HDFC’s online eligibility tool or contact a bank representative.

Earn 5 reward points per ₹150 spent and 2x points on dining and travel bookings.

Redeem points via the HDFC rewards portal for travel, shopping, vouchers, or statement credit.

Yes, unlimited access to domestic and international airport lounges is included.

The card offers a customizable credit limit, often starting from ₹10 lakh, depending on your financial profile.

Contact HDFC customer care or visit the nearest branch to cancel your application.

Required documents include identity proof, address proof, income proof (salary slips/ITR), and a photograph.

Yes, foreign currency transactions attract a markup fee of 2%.

Call the 24x7 customer care helpline or email through the HDFC Bank customer portal.

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