HDFC Bank Infinia Credit Card Review | Must Know

Infinia HDFC Bank Credit Card Review

A Infinia HDFC Credit Card review for you if you are looking to apply and is invited or contacted by HDFC Credit Card executive for an upgrade to HDCF Infinia Credit Card, than you are at the right place. Here in this post get complete review of the Infinia HDFC card. Make sure you go through every details as ignoring would make you high fees on this card in long run.

So, let find out below a review on this Infinia HDFC Card.

Infinia HDFC Credit Card has a high credit limit.

• The minimum amount is Rs. 8 lakhs. The Infinia Credit Card is issued by “Visa INFINITE” or “Master Card World” and has a credit limit of at least 8-10 lakhs. When the limit is split or the ITR is not as predicted, it may appear at the lower limit.

However, there is no problem with this card’s credit limit because it has a unique NPSL* (No Pre-set Spending Limit) function, which allows them to “temporarily” boost the limit if you notify the “Infinia Support Team” beforehand. This is a feature that only Infinia has, and it is not available on any other HDFC card.

(Note: Credit limit shown above is an assumptive and is subject to discretion of the bank)

hdfc infinia credit card-reviews
hdfc infinia credit card-reviews


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Reward Points Review

Every spent anywhere and everywhere earns you 5 reward points – with the exception of wallets and fuel. This equates to Rs.3.30 for every Rs.100 spent, so that you may easily save Rs.3,300 for every Rs.1 lakh spent on the card.

Not only that, but if you spend on restaurants and the airvistara/hdfcbankinfinia website, you can save 2X. For every 1 lakh spent, this equates to Rs.6,600 in savings.

• Reward Rate by Default: 3.3 percent

• 6.6 percent accelerated reward rate (2X on dining/airvistara/hdfcbankinfinia).

• 33 percent Accelerated Reward Rate (10X with limited partners).

Access to the lounge is unlimited.

You may obtain unrestricted access to airport lounges all over the world if you have a Priority Pass subscription (both domestic & international). One of the most appealing features of this card is that even supplementary card members have unlimited access to lounges.

Unlike other HDFC cards, your Priority Pass will not be charged on domestic swipes. You can also use your “credit card” to gain entrance through the Visa/MC Lounge Program if you don’t have a priority pass.

By resting at a comfortable location during travel, you can save a lot of money and have peace of mind. Lounges provide complementary food, wifi, coffee, and luxury decor, among other amenities.

This is especially useful if you’re traveling with your partner or  children. Are you planning a family trip around the world with free lounge access everywhere? You are eligible for the Infinia Credit Card!!

Traveling abroad is a rewarding experience with Infinia HDFC Card

• Fee for foreign currency markup: 2% + GST

• 3.3 percent reward rate

• Gains on the net: 1%

It has the lowest foreign currency markup cost of 2%, making it the ideal card to use when traveling abroad. The HDFC Bank Infinia credit card is, in my opinion, the best credit card for foreign travel.

Golfer’s Advantage

Though this is not a benefit everyone will enjoy. However for people who enjoys the game will bring smile on their face. The Infinia HDFC Credit Card offers unlimited complimentary golf games at some of the best courses in India and throughout the world.

hdfc infinia credit card review- golf benefit
hdfc infinia credit card review- golf benefit

Customer service of the highest quality.

Unlike standard HDFC assistance, Infinia customer service is dedicated  to you and can truly understand your needs.It’s worth noting that the Diners Black and Infinia have the same support team, which is typically very informed.

Their personal Concierge service can save you a lot of time and effort when it comes to preparing your trip. It doesn’t matter if it’s a limousine transfer, a taxi, a hotel, or something else.

If you use concierge to redeem reward points; for example, Simply submit them your extensive travel plan and they do the rest. All you have to do is say yes.

Charges Overview

HDFC Bank Infinia Credit CardFees & Details
Joining FeeRs.10,000+GST
Welcome BenefitYes, equivalent
Renewal FeeRs.10,000+GST
Renewal Benefit10K Points
Renewal Fee WaiverOn 8L Spend

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Cover in HDFC Infinia Card is appealing.

• Credit Protection: 9 Lakhs (in case of accidental death and permanent disability).

• Accidental death (by air): Rupees 3 Crore

• Medical emergency coverage: Up to Rs 50 lakh in the event of a medical emergency when traveling overseas.

As a result, you won’t need to get additional travel insurance when traveling abroad because Infinia will cover everything. Aside from that, you can withdraw cash up to 40% of your credit limit without incurring any cash withdrawal fees; nevertheless, interest will accrue.

Obtaining Approval for Infinia HDFC Credit Card

hdfc infinia credit card-review online
hdfc infinia credit card-review online

That’s a million dollar question, however after knowing a large number of Infinia cardholders for a long, I can tell you that it’s not a kid’s game. The credit limit determines whether or not an HDFC Premium credit card is granted or upgraded, but Infinia requires more than simply a credit limit.

Infinia Eligibilty

To obtain a fresh card, you need require 45 Lakh ITR. To complete your request, you may need to open an HDFC Savings Account.

Upgrade: They ease the income criteria a little with below-average income:

• Existing HDFC Card has a high limit; existing HDFC Card spends are very high.

High Relationship Value: “Imperia” isn’t the only thing that comes to mind.

• Maximum exposure to other HDFC products, such as current accounts, demat accounts, insurance policies, loans, family accounts, and so on.

To put it another way, to be authorized for Infinia, you must be a true High Net-worth Individual, or you must have previously provided a decent profit to the bank.

So, you’re wondering why the restrictions are so stringent. So, what happens if you use your wonderful Priority pass 50 times a year? Who is responsible for the cost? Unexpectedly, it’s YOU.

They return the earnings they made on interest, loans, insurance policies, and other aspects of your previous association with the bank.

HDFC Infinia Credit Card Vs Other Premium Cards

Other Top Premium Credit Cards to Consider vs HDFC Infinia Credit Card. The following is a list of the finest premium credit cards available in India from various banks.

Credit CardAnnual Fee (Excluding Taxes)Top Highlight
SBI ELITE CardRs. 4,999Free memberships are available (Club Vistara, Priority Pass, etc.).
HDFC Bank Diners Club BlackRs. 10,000Annual Subscriptions (MMT DoubleBlack, Club Marriott, etc.).
ICICI Bank Emeralde Credit CardRs. 12,000Access to the lounge is unlimited.
There are no overdraft fees, cash withdrawal fees, or late payment fees.
American Express Platinum ReserveRs. 10,000Preferred Hotels & Resorts and Taj Hotels offer hotel privileges.
Standard Chartered UltimateRs. 4,999Get access to 150 golf courses across the world, including those in India.
YES First ExclusiveRs 9,999Priority Pass access is unrestricted.


Q1). What is HDFC Infinia, and how does it work?

HDFC Bank offers an invite-only credit card.

Q2). What is the best way to obtain Infinia?

You can apply for it based on your salary needs. However, in most circumstances, the bank will send an invitation to all eligible cardholders.

Q3). What makes HDFC Infinia unique?

It’s unique in that it offers high rewards and limitless lounge access.


Unless or until you’re particularly concerned with air miles, there is no better credit card in India than HDFC Infinia Card, particularly for Priority Pass. However, as you can see, getting one approved is not easy. If you’re having trouble getting one, consider the Diners Black Credit Card, which offers 10X rewards, although acceptance is not assured.

The HDFC Regalia credit card, which is one level below Infinia, is the second best. Are you impressed by the features? Please share your thoughts in the comments section below.


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