The HDFC Bank Infinia Credit Card is one of the most coveted super-premium credit cards in India, appealing to enthusiasts and high-net-worth individuals alike.
With its comprehensive range of benefits, attractive rewards, and robust support services, the Infinia has set the benchmark for elite credit cards.
Metal Edition adds a luxurious touch while maintaining the card’s core features. In this review, we’ll explore every aspect of the card and share a detailed analysis of its offerings.
Is the HDFC Infinia Credit Card Right for You?
Yes No
Yes No
Key Highlights
| Feature | Details |
|---|---|
| Type | Super Premium Credit Card |
| Reward Rate | 3.3% to 33% |
| Annual Fee | INR 12,500 + GST |
| USP | 5X/10X rewards on SmartBuy spends |
| Best For | Regular spends, lounge access |
The Infinia Credit Card offers high reward rates, unlimited lounge access, low forex markup fees, and other exceptional benefits. Let’s explore these in detail.
1. Joining and Renewal Fees
| Fee Type | Details |
| Joining Fee | INR 12,500 + GST |
| Welcome Benefit | 12,500 Reward Points (worth INR 12,500) |
| Renewal Fee | INR 12,500 + GST |
| Renewal Benefit | 12,500 Reward Points |
| Fee Waiver | Spend INR 10 Lakhs annually |
Opinion: The renewal benefit makes up for the fee even if you don’t hit the fee waiver target of INR 10 Lakhs. Compared to other super-premium cards like the Diners Black, the Infinia offers better value for money.
2. Design: Metal vs. Plastic
HDFC’s transition to the Metal Edition has received mixed reactions. While the metallic build exudes luxury, the design lacks creativity and feels dull compared to the older plastic variant with its golden embossed numbers.
Pros:
- Luxurious metal feel.
- Perceived exclusivity.
Cons:
- Dull aesthetics compared to the old design.
3. Reward Points Program
| Spend Type | Rewards | Reward Rate | Max Cap |
| Regular Spends | 5 RP / INR 150 | 3.3% | 2L RP / Statement Cycle |
| SmartBuy Hotels | 50 RP / INR 150 | 33% | 15,000 RP (INR 50K spend) |
| SmartBuy Flights | 25 RP / INR 150 | 16.5% | 15,000 RP (INR 1.14L spend) |
Key Points:
- Reward points are valid for 3 years.
- RP Capping: Grocery (2,000 RP/month), Insurance (5,000 RP/day).
- Exclusions: EMI, fuel, rent, wallet, and tax payments.
Analysis: The SmartBuy program is a standout feature, offering exceptional returns on select spends. However, the frequent changes in terms can be inconvenient for cardholders.
4. Redemption Options
| Redemption Type | Ratio | Max Cap (Monthly) |
| Flights/Hotels | 1:1 | 1,50,000 RP |
| Apple Products | 1:1 | 1,50,000 RP |
| Tanishq Vouchers | 1:1 | 50,000 RP |
| Airmiles | 1:1 / 2:1 | 1,50,000 RP |
| Products/Vouchers | 1:0.5 | – |
| Cashback | 1:0.3 | – |
Opinion: Flights and hotels provide the best value for redemptions. However, the 70:30 rule for redemptions (70% from RP, 30% from credit card) can limit flexibility.
5. Forex Markup Fee
| Markup Fee | Rewards | Net Gain |
| 2% + GST (2.36%) | 4.3% | ~2% net gain |
Activating the Global Value Program provides an additional 1% cashback, making forex transactions more rewarding.
6. Airport Lounge Access
| Access Type | Via | Limit | Guest Access |
| Domestic Lounges | Visa/MC | Unlimited | – |
| International Lounges | Priority Pass | Unlimited | – |
Notable Perks:
- Add-on cardholders enjoy the same unlimited lounge access.
- Complimentary domestic lounge access via Priority Pass, a rare feature in India.
7. Golf Benefits
| Feature | Details |
| Complimentary Games | Unlimited |
| Courses Covered | 20 domestic, 140 international |
| Advance Booking | Minimum: 4 days, Maximum: 14 days |
Verdict: The golf benefit is an excellent perk for enthusiasts, offering extensive coverage across domestic and international locations.
8. Other Benefits
- ITC Hotel Offers: Stay for 3 nights, pay for 2; 1+1 buffet offers.
- Club Marriott Membership: First-year complimentary membership with up to 20% discounts.
- Fuel Surcharge Waiver: Applicable on spends between INR 400 and INR 1,00,000.
9. Comparison: Infinia Plastic vs. Metal
| Feature | Plastic | Metal |
| Material | Plastic | Metal |
| Fee | INR 12,500 | INR 15,000 |
| Eligibility | Standard | Slightly higher |
The Metal Edition is ideal for those seeking a premium look and feel, but the functionality remains identical.
10. Is Infinia Still Good in 2024?
Pros:
- Reliable rewards structure.
- Robust lounge access benefits.
- Strong redemption value for flights and hotels.
Cons:
- Lacks competitive air mile transfer options.
- Aggressive competition from Axis Magnus and Yes Bank Marquee Credit Cards.
While competitors offer higher returns on regular spends, the Infinia’s stability and consistent value make it a safer choice.
FAQs
1. What is the annual fee for the HDFC Infinia Credit Card?
The annual fee is INR 12,500 + GST, which is offset by reward points worth the same amount.
2. Does the Infinia Credit Card offer airport lounge access?
Yes, the card provides unlimited domestic and international lounge access for primary and add-on cardholders.
3. How can I apply for the HDFC Infinia Credit Card?
You can apply online or through your relationship manager if eligible via income or banking relationship criteria.
4. What is the forex markup fee on the Infinia Credit Card?
The forex markup fee is 2% + GST, effectively reduced further with the Global Value Program.
5. Is the Metal Edition worth upgrading to?
If you value the premium feel of a metal card and meet the eligibility criteria, it’s a good upgrade.
Bottomline
The HDFC Bank Infinia Credit Card remains a gold standard in the super-premium category, offering unparalleled benefits, especially for frequent travelers and luxury enthusiasts. While newer competitors bring aggressive rewards programs, the Infinia’s consistent value, stable reward structure, and unmatched benefits like unlimited lounge access make it a must-have for those eligible. For 2024 and beyond, it’s a reliable choice in the evolving credit card landscape.
