HDFC Bank Infinia Credit Card

At a Glance

• Joining Fee: Rs. 10,000. Waived off on spending Rs. 15,000 within first 90 days of card activation.
• Intro Benefits: Rs. 0
• Annual Fee: Rs. 1,000. Waived off on spending Rs. 1 Lac within previous card membership year.

Highlights

• Joining Benefits – You earn 10,000 welcome reward points on payment on joining fee equal to Rs. 10,000, giving you the benefit of Rs. 10,000 in return.
• Renewal Benefits – You earn 10,000 Bonus reward points on payment on renewal fee of Rs. 10,000, giving you the benefit of Rs. 10,000 in return. However, if you choose to go for annual fee waiver, then you’ll not be eligible for renewal bonus points.
• High Credit Limit – Being a premium credit card, HDFC Bank Infinia Credit card comes with high credit limit. The minimum credit limit on the card starts from Rs. 10 Lacs with no maximum spending limit.
• Reward Points Accrual – You earn 5 reward points against each Rs. 150 you spend on the card on regular retail transactions. And, you earn 10 reward points for each Rs. 150 you spend on the card against bookings and DTH recharges on hdfcbankinfinia.com, dining at stand-alone restaurants, and flight bookings on Airvistara.com. You can redeem the accumulated points on hdfcinfinia.com for travel related bookings or choose a gift product from the reward catalogue. Apart from it, you can also redeem your reward points for airmiles of select domestic and international airlines.
• Complimentary Lounge Access – On HDFC Infinia Card, you get complimentary Priority Pass Membership worth US$99 for primary cardholder as well as add-on cardholder, which gives you free access to more than 1000 international airport lounges. Apart from the complimentary Priority Pass Membership, you also get 4 complimentary access to VISA / Mastercard airport lounge in India in a calendar year.
• Complimentary Club Vistara Gold Membership – With HDFC Infinia Card, you get Club Vistara Gold Membership for 1 year on primary card. The complimentary Club Vistara Gold Membership comes with 10 CV (Club Vistara) Points on each Rs. 100 spent on all Vistara flights. With Club Vistara Membership, you also get complimentary access to vistara lounge at Terminal 3 in Delhi and select partner airport lounges in Hyderabad, Kolkata, Bengaluru, Mumbai. You also get additional 10 Kg Baggage allowance, Priority Check-ins, Waitlist Clearance, Baggage handling and boarding as well as Guaranteed Reservations in Economy Class. Click here to apply for your complimentary Club Vistara Membership.
• Dining Discount & Privileges – You save a minimum of 15% on pre-tax dining bills whenever you dine at partner restaurants. The list of partner restaurants includes more than 3000 partner restaurants. Apart from it, you get the chance to dine at some of the finest hotels in India such as Vivanta by Taj, Marriott, Hyatt Hotels and more.
• Fuel Surcharge Waiver – You receive 1% fuel surcharge waiver against fuel transactions between Rs. 400 to Rs. 1 Lac at all Petrol Pumps. The fuel surcharge waiver is limited to maximum Rs. 1000 in a statement month.
• Complimentary Golf Privileges – You get complimentary golf lessons at select golf courses in India. Each golf lesson will be 30 minutes long and would include the following charges – Green fees to access the golf course or driving range for the lesson, Cost of instructor’s fees as well as Range golf balls at 50 golf balls per lesson. Apart from the complimentary golf lessons, you also get the chance to play 100% Green fee waived off Golf Games at some of the leading golf courses in India and more than 40 premium golf courses across the world. Apart from the tee waivered golf games and complimentary golf lessons, you also get access to exclusive restaurants at select golf clubs.
• Card Liability Cover of up to Rs. 9 Lacs – You get liability cover of up to Rs. 9 Lacs on HDFC Infinia Credit Card against any unauthorized transaction. The card liability protection covers all fraud transactions from 2 days prior as well as up to 30 days post reporting of the loss.

Benefits

• Low Foreign Currency Conversion Charges – HDFC Infinia Credit Card comes with low foreign currency conversion charges of 2% only as compared to 3.5% charges usually.
• Low APR – On HDFC Infinia Credit Card, the applicable interest rate is 1.99% per month i.e. 23.88% per annum.
• No Charges on Late Payment, Cash Withdrawal & Overlimit Amount – With this card, you don’t have to worry about some additional charges which includes late payment fee ranging from zero to up to Rs. 750, cash withdrawal charges of 2.5% of the withdrawal amount with minimum Rs. 500, and overlimit charges of 2.5% of the overdue amount with minimum Rs. 500. This charges are waived off on Infinia Credit Card.
• Insurance Cover – The infinia card comes with some unparalleled protection benefits such as Air Accident Death Cover, Medical Insurance Cover for international travel and Credit Shield cover. In case of death due to air accident or bodily injury from the accident, the primary cardholder will get an insurance cover of Rs. 3 Crores. The medical insurance cover includes insurance protection of Rs. 50 Lacs in case you get injured during your travel. The credit shield cover includes charges of up to Rs. 9 Lacs in case of death or permanent disability due to an accident. These insurance protection covers are only applicable for international travel of maximum 30 days long where the travel tickets must be booked using the card.
• Very High Reward Points – HDFC Infinia Card offers 5 reward points on regular transactions and 2X reward points under incremental reward benefits against few select categories. Each reward point that you earn on the card, gives you the benefit of Rs. 1 on redemption.

Drawbacks

• Invitation Only Card – The infinia Credit Card is an Invitation Only Card, making is accessible to High Net-Worth Individuals only, where the cardholder should be an existing HDFC Customer. In case you are upgrading from any other exclusive HDFC Card such as Regalia, Diners Club Black or Diners ClubMiles, then you should have at least 6 figure salary with high credit score to be eligible. If you are not an existing HDFC Credit Cardholder, then the income criteria rises to as high as up to Rs. 50 Lacs.
• Limited Reward Points Validity – The reward point earnable on Infinica Credit Card are valid for 3 years from the date of accrual in the card account.
• High Lounge Access Charges – The usage charges applicable on accessing Priority Pass Lounges is equal to US$27 per visit after exhausting the complimentary card visits. Apart from it, you also have to pay the same charges whenever you access Priority Pass Lounges in India or accompany any additional guest with you.

Milestone Benefits

• Spend Rs. 8 Lacs Annually – You can get the card free for the next year if you spend Rs. 8 Lacs in a card membership year. However, if you couldn’t spend Rs. 8 Lacs in a year, you can still get your renewal fee back in form of 10,000 renewal bonus points which gives you the equal value.

Fees & Penalties

FAQs

How do I contact support for any assistance related to HDFC Infinia Credit Card?

You can dial the 1800-102-3310 (Toll-Free) or 022-2856-1443 (Charges Applicable) from your registered phone number or simply write HDFC Infinia Credit Card Support at infinia.services@hdfcbank.com.

How do I contact Personal Concierge Services?

You need to dial 1800-118-887 (Toll-Free) or 022-4232-0226 (Charges Applicable) from your registered phone number in order to contact Personal Concierge Desk to book your complimentary golf games or any assistance. You can also write them an email at membersupport@hdfcbankinfinia.com.

It takes 2 to 3 days for confirmation in case you have made a booking request for golf games/lessons through Concierge Desk.

How soon can I receive my Golf Privileges after booking at Concierge Desk?

In case of bookings at domestic golf courses, you need to book at least 4 clear days prior to the day. In case of bookings at international golf courses, you need to book at 15 clear days prior to the day.

What if I cancelled a golf game/lesson? Would I be charged any penalty?

In case you want to cancel a tee off golf game/lesson, then you must place the cancellation request 1 clear day prior to the booked date if the game is booked at a domestic golf course. If the golf game/lesson was booked at an international golf courses, then you must place the cancellation request 4 clear days prior to the booked date.

Cancellation of a golf game/lesson at domestic/international golf courses would attract a penalty of Rs. 500 which will be billed to the card account.

What are the eligible Priority Pass Lounges in India?

Here are the list of Priority Pass Lounges in India

What domestic lounges are eligible for complimentary access?

VISA Domestic Airport Lounges

Mastercard Domestic Airport Lounges