HDFC Bank Infinia Credit Card Review

HDFC Bank Infinia Credit Card Review

HDFC Bank Infinia Credit Card

  • Features & Rewards
  • Offers Availability
  • Card’s Acceptance
  • Customer Care & Issue Resolution

Conclusion

The Infinia Credit Card from HDFC Bank is an excellent option for individuals looking for a premium credit card with multiple benefits. While the annual fee may be high, it is offset by the many features and rewards that this card offers. If you can use this card wisely and take advantage of all its features, you will definitely find it worth your while.
4.5/5

Introduction

The HDFC Bank Infinia Credit Card is a premium credit card that offers many features and benefits. Some of the key features include unlimited free airport lounge access, complimentary domestic and international flight tickets, and enhanced rewards earn rate on spending. The purchase done on this card will earn you reward points, which can be redeemed for cash back or merchandise. This card also comes with a robust suite of travel insurance coverages.

HDFC Infinia card comes in the “Visa Infinite” or “MasterCard World” variant.

In this review, we will look at the key features and benefits of the HDFC Bank Infinia Credit Card to help you decide if it is the right card for you.

Image of HDFC Bank Infinia Credit Card

Eligibility Criteria

The HDFC Bank Infinia Credit Card is a good choice for a premium credit card. This card boasts several features and benefits. However, before you apply for this card, it is crucial to understand the eligibility criteria. Here are the key points that you need to keep in mind:

  • You should be an Indian resident aged 21 years or above.
  • You should have a regular source of income.
  • You should have a good credit history.

Fees & Charges

DescriptionFees & Charges
Joining Fee Rs. 10,000 +GST
Renewal Fee Rs. 10,000 +GST
Renewal Benefit 10K Points
Renewal Fee Waiver On the Spend of Rs. 8L

While the HDFC Bank Infinia Credit Card does come with some fees and charges, it is essential to note that many of these fees are waived for the first year. This makes the card an excellent option for those looking to save on expenses in the long run.

Documents Required

When you apply for the HDFC Bank Infinia credit card, you will need to submit the following documents:

  • Proof of identity: This can be your passport, PAN card, or voter ID card.
  • Proof of address: This can be your utility bill, bank statement, or rent agreement.
  • Income proof: This can be in the form of your latest salary slip or ITR filing.

How to use the HDFC Bank Infinia Credit Card?

The HDFC Bank Infinia Credit Card is a great way to earn rewards on your everyday purchases. We can suggest multiple ways to use the card to maximize your rewards:

  • Use your card for all regular purchases daily. You’ll earn a lot more rewards if you use your card often.
  • Make it a habit to pay your bill in full and on time each month. This will help you avoid interest charges and keep your account in good standing.
  • When making a purchase, always select the “credit” option instead of “debit.” This way, you’ll earn rewards on your purchase and have added credit protection in case of fraud or dispute.
  • Use your HDFC Bank Infinia Credit Card to book travel through the HDFC Bank Travel Portal. You’ll earn additional rewards on top of the rewards you already make on your purchases.

You can make the most out of your HDFC Bank Infinia Credit Card and earn valuable rewards with every purchase by following these tips.

Welcome Benefits

  • Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stays across Asia – Pacific region.
  • Welcome Benefit of 10,000 Reward Points upon fee realization.

What are the benefits of the HDFC Bank Infinia Credit Card?

The HDFC Bank Infinia Credit Card comes with a range of benefits that make it one of the market’s premium and popular credit cards. This card provides a few primary benefits, which can be viewed below:

HDFC Infinia Credit Card

  • Unlimited airport lounge access across the globe for Primary and Add-on member
  • Complimentary Club Mariott membership for the first year
  • Complimentary Dineout passport membership for a year
  • Global Personal Concierge – 24 X 7
  • Comprehensive Insurance protection for you and your loved ones
  • Unlimited Complimentary golf games at leading courses across India and select courses across the world

Priority Pass Membership

You can get unlimited access to airport lounges all over the world if you have a Priority Pass membership (both domestic & international). One of the most appealing features of this card is that even the Add On Priority Pass Holders can enjoy unlimited access to lounges. 

You can use a Priority Pass card for unlimited swipes in domestic airports(within India). Applicable for Supplementary card holders as well (Add on cards).

Visa/MasterCard Lounge Access Program

For Lounge visits within India, Infinia Primary Cardholders can avail of 4 complimentary lounge access per quarter through Infinia Visa/MasterCard Lounge program.

List of Visa Lounges within India. Click here.
List of Mastercard Lounges in India. Click here.

What are the demerits of the HDFC Bank Infinia Credit Card?

The HDFC Bank Infinia Credit Card comes with several demerits that must be considered before signing up for the card:

HDFC Bank Infinia Credit Card

Image of HDFC Bank Infinia Credit Card
  • The card has a very high annual fee of Rs. 30,000, which is non-waivable.
  • The card also charges a joining fee of Rs. 10,000, which is also non-waivable.
  • The card has a foreign currency transaction fee of 3.5%, which is relatively high compared to other credit cards

If you are interested to know more about its features and offers –

Conclusion

The HDFC Bank Infinia Credit Card is an excellent option for looking for a rewards credit card with no annual fee. The card offers a high welcome bonus, and you can earn unlimited rewards points on all of your purchases. There is also no foreign transaction fee, making this an ideal card to use when travelling abroad.

If you are looking for a rewards credit card with no annual fee, the HDFC Bank Infinia Credit Card is a great option.

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FAQ’s

How do I pay my HDFC Bank Infinia Credit Card bills?

You can pay your HDFC Bank Infinia Credit Card bills online, through net banking or by cheque. You can also set up an auto-debit instruction to ensure that your bills are paid on time, every month.

What is the Joining Fee & Renewal Fee of HDFC Bank Infinia Credit Card?

Joining Fee – INR 10,000 + GST
Renewal Fee – INR 10,000 + GST

What is the stand-out feature of HDFC Bank Infinia Credit Card?

Unlimited airport lounge access across the globe for Primary and Add-on member

Which is(are) the highlight feature(s) of HDFC Bank Infinia Credit Card?

Complimentary Club Marriott membership for the first year
Complimentary Dineout passport membership for a year
Unlimited Complimentary golf games at leading courses across India and select courses across the world

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