HDFC

HDFC Infinia Credit Card

Apply for HDFC Infinia Credit Card for 3.33% rewards, 10X SmartBuy, unlimited lounges & golf, Club Marriott & 2% forex. Best for ultra-premium spenders.

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Issued by

HDFC

HDFC Infinia Credit Card image
Joining Fee₹12500
Annual Fee₹12500
Income₹500000
Credit Score750

Key Highlights

Travel

Get Unlimited Domestic and International Airport Lounges

or primary and add-on cardholders, with international access via Priority Pass

Get 12,500 Reward Points upon fee realization

and card activation as a welcome benefit

Get Up To 10x Points

on SmartBuy shopping spends

Dining

Get Up To 25% Off on Dining

and stay across Asia-Pacific with complimentary Club Marriott membership

Get Up To 10x Points

on SmartBuy shopping spends

Get 5 Reward Points on every ₹150

retail spend including insurance, utilities and education

Eligibility

Age Criteria21-60

Minimum age is 21 years and maximum is 60 years

Credit Score750

Approval is subject to a CRIF score of 750 or higher

Salaried Income₹60 LPA

Income requirement is ₹60 lakhs per annum. Approval is subject to internal bank assessment

Self-employed Income₹72 LPA

Income requirement is ₹72 lakhs per annum, approval is subject to internal bank assessment

Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining Fee₹12500

The joining fee of ₹12,500 is waived when you earn 12,500 reward points on card activation

Joining Fee OffsetEarn 12,500 Reward Points on card activation
Annual Fee₹12500

The annual fee of ₹12,500 is waived on spending ₹10,00,000 or more in the preceding 12 months

Annual Fee WaiverThe annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy.
Estimated Annual Saving₹20879

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.30
Redemption Options
  • Flights & Hotels via SmartBuy (up to 70% value payable by RP)
  • Apple products
  • Tanishq vouchers
  • Airmiles transfer
  • Statement credit
  • Merchandise & vouchers
Earning ExclusionsFuel Spends, EMI Spends, Wallet Loads, Jewellery Purchases, Cash Advances, Payment of outstanding balances
Spend ExclusionsFuel Spends, EMI Spends, Wallet Loads, Jewellery Purchases, Cash Advances, Payment of outstanding balances

Benefits

All Benefits

  • Earn 5 reward points per ₹150 retail spend
  • Up to 10X reward points on SmartBuy travel and shopping
  • Reward redemption: ₹1 per point for flights, hotels, Apple & Tanishq via SmartBuy
  • Monthly cap: 1.5 lakh points for flights/hotels/airmiles; 50,000 points for cashback
  • Maximum redemption limit: 2 lakh points per statement cycle

Welcome Benefits

  • Complimentary Club Marriott membership for first year
  • Renewal benefit of 12,500 reward points upon fee payment and card activation

Airport Lounge Benefits

  • Unlimited complimentary domestic airport lounge access in India for primary and add-on cardholders
  • Unlimited international lounge access via Priority Pass (1000+ lounges worldwide) for primary and add-on cardholders

Dining Benefits

  • Up to 25% discount on dining and stays across Asia-Pacific
  • Buy 1 drink get 1 complimentary on Mondays (Member’s Night)
  • 50% off food bill and 25% off beverages on Tuesdays (Member’s Day)

Insurance Benefits

  • ₹3 crore air accidental death cover (only if tickets booked using card)
  • ₹50 lakh overseas medical emergency cover during international travel

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility
A minimum transaction of ₹100 within 30 days is required to activate the card, otherwise, you won’t be eligible for the Rewards

FAQ

Apply Now