HDFC Infinia Credit Card: The Ultimate Guide to Premium Benefits and Privileges

The HDFC Infinia Credit Card is synonymous with luxury, exclusivity, and unmatched rewards in India’s premium credit card segment. Designed for ultra-high-net-worth individuals, it offers exceptional travel perks, accelerated rewards, and lifestyle privileges. In this comprehensive guide, we explore the HDFC Infinia Credit Card benefits, eligibility criteria, charges, and more to help you determine if it aligns with your financial aspirations.

HDFC Infinia Credit Card Benefits: Luxury Unlocked

The Infinia card is a powerhouse of premium perks tailored for big spenders:

1. Accelerated Rewards:
   • Earn 5x Reward Points on all spends (₹150 = 1 RP; 1 RP = ₹1 for flights/hotels).
   • 10x Points on SmartBuy (flights, hotels, gift vouchers).
2. Travel Privileges:
   • HDFC Infinia Credit Card lounge access to 1,000+ domestic and international lounges via Priority Pass.
   • Complimentary Taj Epicure Plus membership and discounts on Oberoi Hotels.
   • Free air miles conversion (1 RP = 1 mile with Vistara, Air India, and KrisFlyer).
3. Lifestyle Perks:
   • Golf lessons, spa discounts, and VIP access to events.
   • Dedicated concierge for travel bookings, reservations, and gifting.
   • 15% discount on BookMyShow tickets.
4. Insurance & Safety:
   • ₹10 crore air accident cover, lost luggage protection, and fraud liability coverage.

HDFC Infinia Credit Card Eligibility: Who Can Apply?

To qualify for the HDFC Infinia Credit Card eligibility, applicants must meet:

• Income: Minimum annual income of ₹36–48 lakh (salaried) or ₹40–50 lakh (self-employed).
• Credit Score: 780+ with an impeccable repayment history.
• Relationship: Existing HDFC Imperia Banking customers are prioritized.

How to Apply for the HDFC Infinia Credit Card

1. Online: Visit HDFC’s website, navigate to the HDFC Infinia Credit Card apply section, and submit income/docs.
2. Offline: Contact your HDFC RM or visit a branch for a personalized application.

HDFC Infinia Credit Card Limit: Spending Power

The HDFC Infinia credit card limit typically ranges from ₹8–25 lakh, based on income, credit profile, and banking relationship. To increase your limit:

• Maintain a high credit utilization ratio (30–40%).
• Request a review via HDFC Infinia Credit Card Customer Care.

HDFC Infinia Credit Card Charges: Costs to Consider

• Annual Fee: ₹12,500 + GST (waived on spends of ₹8+ lakh annually).
• Foreign Currency Markup: 2% + GST.
• Cash Advance: 2.5% of withdrawal amount (min ₹500).

HDFC Infinia Credit Card Lounge Access: Travel in Style

Enjoy unlimited domestic lounge visits and 6 free international accesses annually via Priority Pass. Simply present your card or membership at lounges like Plaza Premium and DragonPass.

Managing Your Card: Login & Support

1. HDFC Infinia Credit Card Login: Access your account via NetBanking or the HDFC Mobile app.
2. Customer Care: Dial 1800-266-4332 (24/7) for queries, blocking, or reward redemption.

Competitors to Consider

1. Axis Bank Reserve: Higher rewards on travel but steeper fees.
2. Amex Platinum Charge: Global lounge access but limited acceptance in India.
3. ICICI Emeralde Private Metal: Lower annual fee but fewer travel perks.

Final Verdict: Is the HDFC Infinia Worth It?

The HDFC Infinia Credit Card is a must-have for frequent travelers and high spenders who value premium rewards and exclusivity. While its annual fee is steep, the benefits outweigh costs if you maximize spends on SmartBuy and travel.

Ideal For:

• Frequent flyers seeking lounge access and air miles.
• Big spenders wanting accelerated rewards.
• Luxury enthusiasts prioritizing concierge services.

If you meet the eligibility criteria, apply now to unlock a world of unparalleled privileges.