HDFC Bank Infinia Metal Credit Card
HDFC Infinia Credit Card is the most premium credit card in the market and it is by Invite only. The target audience of the credit card is high networth individual and those who want luxurious lifestyle. This card comes with ₹12,500 joining/annual fees which is totally worth it the kind of benefits it provide like complimentary unlimited lounge access domestic & International both for primary and add-on card holder, having very less foreign currency exchange rate that is 2%, get 10% off on Swiggy dineout and many more such benefit. Apart from this you will also get Club Marriott membership as a welcome benefits, 1+1 buffet at ITC hotels. Please read below article for more such details about this credit card.
JOINING FEE
Rs. 12500+GST
RENEWAL FEE
Rs. 12500+GST
BENEFITS
Unlimited Domestic & International Lounge access across Globe using Priority Pass.
REWARDS &CASHBACK
5 Reward Point on every Rs.150 spent. Complimentary Club Mariott Membership for first Year.
Features & Benefits of HDFC Infinia Credit Card
Welcome Benefits
- Get 12,500 Bonus Reward points after successful paying the joining fee. You will also get this Bonus Reward points at the time of renewal fee payment as well.
- As a welcome benefits HDFC bank gives Complimentary Club Marriott Membership for one year.
Infinia Reward Program
- Earn 5 Reward point on every ₹150 spent including Insurance, Utilities, Education.
- Earn 10X Reward point on spend made on SmartBuy platform maximum 15000 Reward point per month.
- Get 5 Reward point on every ₹150 spent on Grocery which is capped 2000 Reward point per month.
- Get 5 Reward point on every ₹150 spent on Insurance which is capped 5000 Reward point per day.
- No Reward Points on wallet, Property management, rent, Govt. Institutions, fuel.
Airport Lounge Access
- HDFC Infinia Credit Card provide Priority pass to its primary as well as add-on card holder. You will get complimentay unlimited domestic & International lounge access. Infinia is one of the select credit card that does not charge of using priority pass within India.
Golf Privileges
- HDFC Infinia provide complimentary unlimited Golf games in India and select courses accross the world. You will get unlimited golf coaching at select golf courses across India.
- In order to avail this benefits you need to book your slot through HDFC Concierge service.
Fuel Surcharge Waiver
- Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.100,000. Maximum waiver is Rs.1000 per month. Note that you will not get any reward point on fuel spends.
Annual Benefits
- Annual fee that is ₹12,500 will be waived off on spending ₹10 lakh in previous year. If you do not meet the spending criteria then also don't worry because you will get 12500 reward point which is equivalent to the annual fee.
Membership Benefits
- Club Marriott Membership : As a welcome benefits HDFC bank gives Complimentary Club Marriott Membership for one year. In membership you will get 20% off on food and beverages at a restaurant for upto maximum 10 guest. 20% off on best available room at participating marriott hotels in India and on weekend rates in Asia pacific. 20% off on spa services at select participating marriott hotels.
- ITC Hotels : You will get complimentary 1 extra night stay at participating ITC Hotels, book for 3 night and pay only for 2 night. You will also get 1+1 complimentary buffet at participating ITC Hotels.
Dining Benefits
- Get Flat ₹750 discount on HDFC Infinia Credit Card on Swiggy Dineout Minimum order value should be ₹8000. Cardholder will also eligible for 10% discount on Swiggy Dineout. Both the above offer can be used twice per month with coupon code INFINIA750 & HDFCINFINIA respectively.
Reward Point Redemption
- Flight/Hotel Booking on SmartBuy : The best redemption of your reward point you will get on smartbuy platform. If you book fligh/hotel on smartbuy platform you will get value of 1 RP = ₹1. You can pay 70% of booking amount via reward point and rest you have to pay through your credit card. The amount you had paid through credit card you will get 5X RP on that. You can redeem maximum 1.5 lakh RP per calendar month for flight/hotel booking.
- Tanishq Voucher : You can redeem your reward point for Tanishq Gift Voucher at rate of 1RP = ₹1. Maximum you can redeem 50,000 RP per calendar month.
- Cash & Product Voucher : You can also redeem your reward point for cash at value of 1RP = ₹0.3 and for different product voucher at rate of 1RP = ₹0.5.
- Air Miles Transfer Program : Here You can convert your Reward point into Airmiles which is good for traveller.
| Partners | Reward Points to Miles |
|---|---|
|
Air Canada Aeroplan |
1 Reward Point = 0.5 Miles
|
|
Avianca LifeMiles |
1 Reward Point = 0.5 Miles |
|
Club ITC |
1 Reward Point = 0.5 Green Points
|
|
Turkish Airlines Miles & Smiles |
1 Reward Point = 0.5 Miles |
|
British Airways Avios |
1 Reward Point = 0.5 Avios |
|
Etihad Guest |
1 Reward Point = 0.5 Etihad Points |
|
Accor ALL |
1 Reward Point = 0.5 ALL Point |
|
United MileagePlus Miles |
1 Reward Point = 0.5 Mile |
|
Wyndham Rewards |
1 Reward Point = 1 Wyndham Point |
|
IHG One |
1 Reward Point = 1 IHG Point |
|
Hainan Airlines Fortune Wings Club |
1 Reward Point = 1 Fortune Wings Club Point |
|
AirAsia Rewards |
1 Reward Point = 1 AirAsia Point |
|
Finnair Plus |
1 Reward Point = 1 Finnair Plus Point |
|
SpiceClub |
1 Reward Point = 1 SpiceClub Point |
|
Maharaja Club Air India |
1 Reward Point = 0.5 Maharaja Points |
Fees & Charges
Foreign Currency Markup
- The card come with marginal foreign currency markup fee that is 2% of total transaction amount which is lower compared to other credit card in the market.
Finance Charges & Cash withdrawal Fee
- Interest rate is 1.99% per month that is approx 24% per annum. This is also very low compared to other credit card which is 3.5%.
- Cash withdrawal fee is NIL.
Eligibility Criteria
- You can get HDFC Infinia Credit Card by Invite only or you have high networth Income that is ITR should be greater than 45 lakh. If you already have HDFC Bank credit card the limit should be atleast 10 lakh. You should have very good credit history and very good relationship with HDFC Bank.
- Age should be in between 21-64 years.
- Final Thoughts
HDFC Infinia credit card is a super premium credit card with bunch of benefits. It provide 24*7 concierge services, unlimited golf session in India and across the world, unlimited lounge access in the world. This credit card fill all the need that anybody desire in the credit card. The earned reward can be used for flight and hotel booking on SmartBuy at 1:1 ratio also you can transfer your reward point into Air miles transfer program. If you look into the joining/annual fee there is no other credit card in the market that can compete with Infinia. Considering all the privileges and benefits, if you want luxurious lifestyle you should definitely go for this credit card.
- Frequently Asked Questions
What is the validity of Reward Point in HDFC Infinia Credit Card?
The validity of Reward point is 3 years from the date of credit.
Do I get both complimentary Domestic & International lounge access?
Yes, You will get unlimited lounges access for primary and add-on cardholder.
Does HDFC Bank Infinia Credit Card have spend based annual fee waiver?
Yes, You need to spend ₹10lakh in previous year to get waived off the fees.
Do the Club Marriott membership renewed every year?
No, It is only for the first year as welcome benefit.