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Features of HDFC Infinia Credit Card

  • 1. Rewards Program:
    • Earning Rate: Earn 5 Reward Points (RP) for every ₹150 spent on retail transactions, including insurance, utilities, education, and rent payments.
    • Accelerated Rewards: Up to 10X Reward Points on travel and shopping spends via the HDFC SmartBuy portal (flights, hotels, gift vouchers, etc.), offering a potential reward rate of up to 16–33% on select categories.
    • 2X Reward Points: On dining, Air Vistara flight bookings, and bookings made via the Infinia website.
    • Reward Point Redemption:
      • Flights & Hotels: 1 RP = ₹1 via SmartBuy (best value).
      • Apple Products & Tanishq Vouchers: 1 RP = ₹1 via SmartBuy.
      • Air Miles Conversion: 1 RP = 1 Air Mile for select partners (e.g., SpiceJet, AirAsia, Finnair, IHG One Rewards). For others (e.g., British Airways, Accor), 1 RP = 0.5 Air Mile.
      • Shopping Vouchers: 1 RP = up to ₹0.50 via SmartBuy or Netbanking.
      • Cashback: 1 RP = ₹0.30 for statement balance settlement.
    • Validity: Reward points are valid for 3 years from the date of accumulation.
    • No Daily Cap: As of August 2023, HDFC removed the 7,500 daily reward points limit, but a monthly cap of 15,000 bonus points applies for accelerated rewards (10X/5X/3X).
Credit Card Promotion
    • Unlimited Lounge Access: Complimentary access to over 1,000 airport lounges worldwide (domestic and international) via Priority Pass for primary and add-on cardholders. 4 complimentary visits per quarter to domestic lounges via the MasterCard/Visa Lounge Access Program.
    • Low Foreign Currency Markup: 2% + GST on international transactions, one of the lowest among premium cards. Enrolling in the Global Value Program offers an additional 1% cashback (up to ₹1,000 per statement cycle), netting a 2.3% effective reward rate on forex spends.
    • Miles Transfer Program: Convert reward points to air miles with 14 airline partners, including SpiceJet, AirAsia, Finnair, IHG, and Etihad (1:1 or 1:0.5 ratios depending on the partner).
    • Complimentary Hotel Stays: 3 nights for 2 at participating ITC hotels. 1+1 complimentary buffet on weekends at participating ITC hotels.
    • Club Marriott Membership: Complimentary 1-year membership, offering up to 20% off on dining (up to 10 guests) and stays at Marriott hotels in India and Asia-Pacific.
    • Unlimited Golf Privileges: Complimentary golf games at leading courses in India and select international courses. Unlimited golf coaching at select courses. Book via the concierge.
    • Dining Discounts: 10% off up to ₹1,000 on dining bills via Swiggy Dineout at over 35,000 restaurants under the Good Food Trail Program. Up to 15% off at over 3,000 participating restaurants and 20% off on food and beverage bills at Marriott hotels.
    • Concierge Services: 24/7 global personal concierge for travel, entertainment, and business needs, including airport meet-and-greet services.
    • Accidental Air Death Cover: ₹3 crore (tickets must be purchased using the card).
    • Emergency Overseas Hospitalization: Up to ₹50 lakh for international travel.
    • Credit Shield Cover: Up to ₹9 lakh for permanent disability or accidental death.
    • Zero Lost Card Liability: No liability for fraudulent transactions if the card loss is reported immediately to the 24-hour call center (1800 266 3310 or 022-6171 7606).
    • No Pre-Set Spending Limit (NPSL): Unique to Infinia, allowing temporary credit limit increases upon request to the Infinia Support Team. Minimum credit limit: ₹8–10 lakh.
    • Interest-Free Credit Period: Up to 50 days from the date of purchase (subject to merchant submission).
    • Revolving Credit: Available at a nominal interest rate of 1.99% per month (23.88% annually).
    • Smart EMI: Convert large purchases into EMIs post-purchase.
    • Cash Withdrawal: Withdraw up to 40% of the credit limit without additional fees.
    • Contactless Payments: Enabled for fast, secure transactions (up to ₹5,000 without PIN in India; PIN required for higher amounts).
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement cycle. Note: No reward points on fuel transactions.
    • Welcome Benefit: 12,500 Reward Points upon payment of the joining fee and card activation.
    • Renewal Benefit: 12,500 Reward Points upon fee realization and card activation.
    • Renewal Fee Waiver: Annual fee waived if you spend ₹10 lakh or more in the preceding 12 months.
    • Add-On Cards: Up to 3 add-on cards for family members (spouse, parents, siblings, or children aged 15–70). Add-on cardholders receive Priority Pass for lounge access but do not get golf privileges. No annual fee for add-on cards; credit limit is shared with the primary card.
    • Infinia Metal Edition: The Infinia Metal Edition features a premium metallic finish, enhancing its aesthetic appeal while retaining all standard Infinia benefits. The sleek black design with “Infinia” engraving symbolizes exclusivity.
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Benefits of HDFC Infinia Credit Card

  • Lucrative Rewards Program:
    • Earn Reward Points:
      • 5 Reward Points (RP) per ₹150 spent on retail transactions, including insurance, utilities, education, and rent (3.33% reward rate).
      • 10X Reward Points (up to 33% reward rate) on travel and shopping via the HDFC SmartBuy portal (flights, hotels, Apple products, gift vouchers).
      • 2X Reward Points on dining, Air Vistara bookings, and spends via the Infinia website.
      • Flights & Hotels: 1 RP = ₹1 via SmartBuy (highest value).
      • Apple Products & Tanishq Vouchers: 1 RP = ₹1 via SmartBuy.
    • Premium Travel Benefits:
    • Unlimited Airport Lounge Access: Complimentary access to over 1,000 lounges worldwide via Priority Pass for primary and add-on cardholders.
    • Low Foreign Currency Markup: 2% + GST on international transactions, among the lowest in the premium segment.
    • Air Miles Conversion: Transfer reward points to air miles with 14 airline partners (e.g., SpiceJet, Etihad, IHG) at 1:1 or 1:0.5 ratios.
    • Complimentary Hotel Stays: 3 nights for 2 at participating ITC hotels. 1+1 complimentary buffet on weekends at ITC hotels.
    • Travel Insurance:
    • Accidental Air Death Cover: ₹3 crore (tickets purchased with the card).
    • Emergency Overseas Hospitalization: Up to ₹50 lakh.
    • Unlimited Golf Privileges: Complimentary golf games at leading courses in India and select international locations. Unlimited golf coaching at select courses.
    • Dining Discounts: 10% off up to ₹1,000 on dining bills via Swiggy Dineout at over 35,000 restaurants under the Good Food Trail Program. Up to 15% off at 3,000+ participating restaurants.
    • Club Marriott Membership: Complimentary 1-year membership, offering up to 20% off on dining (up to 10 guests) and stays at Marriott hotels in India and Asia-Pacific.
    • 24/7 Concierge Services: Global assistance for travel, dining, entertainment, and business needs, including airport meet-and-greet.
    • No Pre-Set Spending Limit (NPSL): Unique feature allowing temporary credit limit increases upon request (minimum limit: ₹8–10 lakh).
    • Interest-Free Credit Period: Up to 50 days from the purchase date (subject to merchant submission).
    • Revolving Credit: Available at 1.99% per month (23.88% annually).
    • Smart EMI: Convert large purchases into EMIs post-transaction.
    • Cash Withdrawal: Access up to 40% of the credit limit without additional fees.
    • Contactless Payments: Enabled for quick, secure transactions (up to ₹5,000 without PIN in India; PIN required for higher amounts).
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement cycle. Note: No reward points on fuel spends.
    • Welcome Benefit: 12,500 Reward Points upon payment of the joining fee and card activation (worth ₹12,500 for flights/hotels or ₹3,750 as cashback).
    • Renewal Benefit: 12,500 Reward Points upon fee payment and card activation.
    • Renewal Fee Waiver: Annual fee of ₹12,500 + GST waived if you spend ₹10 lakh or more in the previous 12 months.
    • Credit Shield Cover: Up to ₹9 lakh for permanent disability or accidental death.
    • Zero Lost Card Liability: No liability for fraudulent transactions if reported immediately to 1800 266 3310 or 022-6171 7606.
    • Anti-Fraud Technology: Enhanced security for online and contactless transactions.
    • Add-On Card Benefits: Up to 3 add-on cards for family members at no extra cost. Add-on cardholders get Priority Pass for lounge access.
    • Premium Metal Edition: The Infinia Metal Edition features a sleek, black metallic finish, enhancing its aesthetic appeal while retaining all benefits, symbolizing exclusivity.
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Steps to Apply for HDFC Infinia Credit Card

  • 1. Understand Eligibility Criteria:
    • Income Requirements:
      • Salaried (Private Sector): ₹5 lakh/month
      • Salaried (Government): ₹3.5 lakh/month
      • Self-Employed: ₹60 lakh annual income (ITR)
    • Banking Relationship:
      • Enroll in HDFC’s Infiniti or Imperia Program for at least 3 months.
      • Maintain Total Relationship Value (TRV) with HDFC of ₹30 lakh or more for Imperia customers.
    • Existing HDFC Cardholders:
      • Minimum credit limit of ₹10 lakh or ₹8 lakh with ₹9 lakh spends in the last 6 months.
      • Age: Primary cardholder 18–70 years, add-on cardholder 15–70 years.
      • Credit score: 750 or higher is mandatory.
  • 2. Build a Strong Relationship with HDFC Bank:
    • Join the Imperia/Infiniti program with a high Average Quarterly Balance (AQB) or TRV.
    • Increase credit card usage and maintain high balances in HDFC savings/current accounts.
    • Engage with your Relationship Manager (RM) to express interest in the Infinia card.
  • 3. Request an Invitation or Upgrade:
    • Contact your RM or branch to request an invitation.
    • Alternatively, visit an HDFC branch with required documents to escalate your request.
  • 4. Apply Online (If Invited):
    • Go to HDFC Bank's website and navigate to “Personal > Products > Cards > Credit Cards” to apply.
    • Fill in personal, income, and employment details, and upload necessary documents.
    • Track your application using the reference number.
  • 5. Track Application Status:
    • Log in to HDFC Netbanking or visit the website to track your application status.
    • Follow up with your RM or branch for updates.
  • 6. Tips to Increase Approval Chances:
    • Upgrade from premium cards like Regalia or Diners Club Black by meeting the required spend threshold.
    • Negotiate for Lifetime Free (LTF) status for high spenders (₹15 lakh+ annually).
  • 7. After Approval:
    • Card delivery takes 7–10 days.
    • Activate the card via Netbanking, the HDFC mobile app, or customer care.
  • 8. Prepare Required Documents:
    • Latest salary slips or ITR (as per eligibility type – salaried or self-employed).
    • PAN card, Aadhaar card (linked with mobile), and address proof.
    • Existing HDFC credit card statements (if applicable).
    • Bank statements for the last 6 months may be requested for income verification.
  • 9. Use Credit Responsibly Before Applying:
    • Maintain a low credit utilization ratio (preferably below 30%).
    • Pay all dues on time to avoid any negative impact on your credit score.

Eligibility Criteria for HDFC Infinia Credit Card

  • Income Requirements:
    • Salaried Individuals (Private Sector): Minimum monthly income of ₹5 lakh (gross, before tax).
    • Salaried Individuals (Government Employees): Minimum monthly income of ₹3.5 lakh (gross, before tax).
    • Self-Employed Individuals: Income Tax Return (ITR) reflecting an annual income of ₹60 lakh.
  • Banking Relationship with HDFC:
    • Enrollment in HDFC’s Infiniti or Imperia Banking Program for at least 3 months.
    • Total Relationship Value (TRV) of ₹30 lakh or higher is preferred. TRV includes:
      • Balances in savings/current accounts and term deposits.
      • Investments in mutual funds and insurance purchased via HDFC.
      • 20% of demat holdings.
      • Retail asset outstandings (e.g., loans).
    • Strong banking history (e.g., high average balance, long-term relationship) improves eligibility.
  • Existing HDFC Credit Cardholders:
    • Credit Limit: Minimum ₹10 lakh on your existing card (or ₹8 lakh with higher spends).
    • Spending Threshold: Minimum spends of ₹7.5 lakh (or ₹9 lakh with ₹8 lakh limit) in last 6 months.
    • Repayment History: No defaults or late payments.
  • Credit Score:
    • Minimum score: 750+ (CIBIL, Experian, etc.).
    • Low credit utilization and clean repayment history required.
  • Age Criteria:
    • Primary Cardholder: 18–70 years.
    • Add-On Cardholder: 15–70 years (e.g., spouse, parents, children).
  • Documents Required:
    • Identity Proof: PAN, Aadhaar, Passport, or Driving License.
    • Address Proof: Aadhaar, Passport, utility bill, or rental agreement.
    • Income Proof:
      • Salaried: Last 3 months’ salary slips, Form 16, bank statements.
      • Self-Employed: Latest ITR (₹60 lakh+), audited financials, business proof.
    • Banking Relationship Proof (if applicable): TRV supporting statements (deposits, investments, etc.).
    • Existing Card Details (for upgrades): Card statement showing credit limit and spending.
  • Invite-Only Status:
    • This card is available only via invitation.
    • Typical invitees: Imperia/Infiniti customers, eligible credit cardholders, or based on RM recommendation.
    • You can request an invite via:
      • Your Relationship Manager (RM).
      • Calling 8885545255.
      • Visiting an HDFC branch.
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Documents Required for HDFC Infinia Credit Card

  • Identity Proof (Any one of the following):
    PAN Card (mandatory for income tax purposes and KYC), Aadhaar Card
    Passport, Driving License
    Voter ID Card
  • Address Proof (Any one of the following):
    Aadhaar Card (with complete address, if not masked)
    Passport
    Driving License
    Utility Bill (electricity, gas, or telephone bill, not older than 3 months)
    Rental Agreement (registered, if applicable), Ration Card
    Bank Statement (with address, not older than 3 months)
  • Income Proof:
    For Salaried Individuals:
    Salary Slips for the last 3 months (minimum ₹5 lakh/month for private sector, ₹3.5 lakh for government)
    Form 16 for the latest financial year
    Bank Statement (last 3–6 months) showing salary credits
    For Self-Employed Individuals:
    ITR for last 1–2 years showing ₹60 lakh or more annual income
    ITR Acknowledgment or computation of income
    Audited Financials (P&L and Balance Sheet) for 1–2 years, CA certified
    Business Proof (e.g., GST registration, shop establishment certificate)
    Optional:
    Form 26AS (if requested)
    Bank Statement (last 6 months) showing business transactions
  • Banking Relationship Proof (If Applicable):
    Bank Statements (last 3–6 months) for HDFC accounts (Savings/Current/FD)
    Mutual Fund statements, Insurance policy documents, Demat account statements
    Loan sanction letters or repayment statements (home/car loan with HDFC)
  • Existing HDFC Credit Card Details (For Upgrades):
    Credit Card Statements (last 6 months) showing:
        • Minimum credit limit of ₹8–10 lakh
        • Spends of ₹7.5–9 lakh in the last 6 months
    Card Number or details (via NetBanking or Relationship Manager)
  • Photograph:
    Recent passport-sized photograph
    Can be submitted digitally or during a branch visit
  • Application Form:
    Duly filled and signed HDFC Credit Card Application Form
    Includes personal, employment, and income details
    Provided via branch, RM, or pre-approved online link
  • Add-On Cardholder Documents (If Applicable):
    Identity Proof (PAN, Aadhaar, or Passport) for each add-on cardholder
    Relationship Proof (e.g., marriage or birth certificate, if requested)

Factors for HDFC Infinia Credit Card

  • Income Level:
    Minimum income: ₹5 lakh/month (Private Sector), ₹3.5 lakh/month (Government), ₹60 lakh/year (Self-Employed via ITR).
    Verifiable income through salary slips, Form 16, or ITR is essential.
    HDFC may also request bank statements showing consistent income.
  • Banking Relationship with HDFC:
    Ideal for Imperia or Infiniti program members.
    Preferred Total Relationship Value (TRV): ₹30 lakh or higher (including deposits, investments, loans, etc.).
    A strong banking history increases your chances of receiving an invite.
  • Existing HDFC Credit Card Performance:
    Preferred: ₹10 lakh credit limit on an existing HDFC card or ₹8 lakh with high spends.
    Spending threshold: ₹7.5–9 lakh in the last 6 months.
    Excellent repayment history with no defaults is critical.
  • Credit Score and History:
    Minimum credit score: 750+ (CIBIL, Experian, etc.).
    Low credit utilization (<30%) and clean credit history with no late payments or defaults.
  • Invite-Only Status:
    Not open for public application.
    Offered to select high-value customers via:
        • Pre-approved NetBanking offers
        • Relationship Manager recommendation
        • Customer profile analysis
    Contact: 8885545255, or infinia.services@hdfcbank.com
  • Age and Nationality:
    Age: 18–70 (Primary), 15–70 (Add-on).
    Targeted at Indian residents; NRIs may be eligible under specific terms.
  • Documentation:
    Identity Proof: PAN (mandatory), Aadhaar, Passport, etc.
    Address Proof: Aadhaar, utility bill, rental agreement, etc.
    Income Proof: Salary slips, Form 16, ITR, or audited financials.
    Banking/Relationship Proof: Bank, MF, insurance, or loan documents.
    Existing Card Statement: To show credit limit and usage.
  • Spending Behavior and Lifestyle Fit:
    High spending behavior (₹7.5–9 lakh in 6 months) preferred.
    Ideal for users who travel frequently, dine out, or utilize luxury benefits like golf.
  • Relationship Manager’s Recommendation:
    Active relationship and discussions with RM can fast-track the invite.
    Helpful for borderline applicants with slightly lower income/spending.
  • Bank’s Discretionary Policies:
    Final approval depends on HDFC’s internal risk policies and economic conditions.
    Even eligible applicants may face delays or rejections based on bank discretion.

Frequently Asked Questions

1. What is the HDFC Infinia Credit Card?
The HDFC Infinia Credit Card is an invite-only, super-premium credit card designed for high-net-worth individuals. It offers premium benefits like a high reward rate (3.33%–33%), unlimited airport lounge access, unlimited golf privileges, low foreign currency markup, and no pre-set spending limit (NPSL).
2. Who is eligible for the HDFC Infinia Credit Card?
Income:
- Salaried (Private Sector): Minimum monthly income of ₹5 lakh.
- Salaried (Government Employees): ₹3.5 lakh/month.
- Self-Employed: ITR of ₹60 lakh/year.
Banking Relationship: Must be in Imperia/Infiniti Program with TRV of ₹30 lakh+.
Existing Cardholders: ₹10 lakh limit with ₹7.5 lakh spends in 6 months.
Credit Score: 750+ with clean history.
Age: 18–70 (Primary), 15–70 (Add-on).
3. Is the HDFC Infinia Credit Card invite-only?
Yes, it's invite-only. You must be selected by HDFC based on spend, relationship, or RM recommendation.
4. How can I apply for the HDFC Infinia Credit Card?
- Secure invitation via RM or customer care.
- Build banking relationship (TRV ₹30 lakh+).
- Upgrade from existing card if eligible.
- Submit documents (ID, address, income proof).
- Complete verification and wait 7–21 working days.
5. What documents are required to apply for the Infinia Credit Card?
- Identity: PAN (mandatory), Aadhaar, Passport, DL
- Address: Aadhaar, Passport, utility bill
- Income: Salary slips, Form 16, ITR
- Banking: Statements, mutual fund/insurance docs
- For upgrades: Existing card statement showing ₹10 lakh limit & ₹7.5 lakh spends
- Recent passport photo (if required)
6. What are the key benefits of the HDFC Infinia Credit Card?
Rewards:
- 5 RP/₹150 (3.33%)
- 10X RP (up to 33%) via SmartBuy
- 2X RP on dining/Vistara

Redemption:
- 1 RP = ₹1 (flights, hotels, etc.)
- 1 RP = ₹0.30 (cashback)

Travel:
- Unlimited Priority Pass lounge access
- 2% forex markup + 1% cashback
- Complimentary ITC hotel stays

Lifestyle:
- Unlimited golf
- 10% off via Swiggy Dineout, Marriott perks

Insurance:
- ₹3 Cr air accident, ₹50 L overseas cover

Finance:
- NPSL, 50-day interest-free, Smart EMI
7. What is the annual fee for the HDFC Infinia Credit Card?
- Joining/Renewal Fee: ₹12,500 + GST
- Waived on ₹10 lakh+ spends
- Welcome Benefit: 12,500 RP worth ₹12,500 (flights/hotels)
8. Can I get the HDFC Infinia Credit Card as Lifetime Free (LTF)?
Some high spenders or strong banking relationship holders may negotiate LTF Infinia through RM. It is not a standard offer.
9. What is the difference between the Infinia Metal Edition and the standard Infinia?
The Metal Edition has a premium finish, but benefits, fees, and eligibility remain the same as the standard card.
10. How does the reward points system work?
Earning:
- 5 RP/₹150
- 10X RP on SmartBuy (15,000 bonus/month cap)
- 2X RP on Vistara & dining

Redemption:
- ₹1 for flights, hotels, etc.
- ₹0.30 cashback
- 1 RP = 1 mile (SpiceJet/IHG); 0.5 mile (BA)

Validity: 3 years
Cap: No daily cap; monthly bonus cap applies
11. What are the lounge access benefits?
- Unlimited Priority Pass access (Primary & Add-on)
- 4 domestic lounge visits per quarter (Visa/MasterCard)
- Guest visits allowed under Priority Pass (charges may apply)
12. Is the Infinia Credit Card worth the annual fee?
For those spending ₹10 lakh+/year, yes. Perks like lounge access, 10X rewards, golf, and ₹12,500 RP make it highly valuable.

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