Introduction
In today’s fast-paced world, credit cards have become a necessary financial tool that not only provides convenience but also offers a plethora of benefits and rewards. HDFC Bank, one of India’s leading private banks, has been at the forefront of offering premium credit cards designed to cater to the needs of high-net-worth individuals. Among its elite range of cards, the HDFC Infinia Credit Card stands out as a symbol of luxury, exclusivity, and unparalleled privileges.
Here are HDFC Infinia Credit Card’s features
Unmatched Benefits and Rewards:
The HDFC Infinia Credit Card sets itself apart by providing an array of benefits and rewards that are tailored to suit the lifestyle and preferences of its esteemed cardholders. From complimentary airport lounge access worldwide to exclusive golf privileges, the card offers a seamless experience of luxury and indulgence. Additionally, the reward programme allows users to earn accelerated reward points on their everyday expenses, which can be redeemed for a wide range of options, including travel bookings, merchandise, and statement credits.
Travel Perks and Insurance:
The HDFC Infinia Credit Card understands the needs of avid travellers and offers an extensive range of travel benefits. Cardholders can enjoy access to international and domestic airport lounges, travel concierge services, air miles conversion, and travel insurance coverage. The card’s comprehensive insurance coverage includes protection against accidental death, medical emergencies, lost baggage, and trip cancellation, ensuring peace of mind during your journeys.
Exceptional Dining and Lifestyle Privileges:
The HDFC Infinia Credit Card offers a variety of benefits for those who enjoy fine dining and upscale lifestyle experiences. Cardholders can take advantage of sizable discounts and savings at prestigious eateries, resorts, spas, and luxury retail stores. The card also grants access to private events, movie premieres, and specially selected experiences, allowing cardholders to experience a whole new level of entertainment.
Personal Finance Management:
Beyond its opulent benefits, the HDFC Infinia Credit Card ensures that cardholders have total control over their finances. The card equips users to effectively manage their expenses with cutting-edge features like online spend tracking, individualised expense analysis, and dedicated relationship managers. Additionally, it provides a variety of flexible payment options, such as EMI conversions, balance transfers, and loans against credit card limits, making it a flexible financial tool for addressing various financial needs.
Safety and Security:
In an era where cybersecurity is of paramount importance, the HDFC Infinia Credit Card prioritises the safety and security of its users. The card comes equipped with advanced chip-and-pin technology, providing an added layer of protection against fraudulent activities. Furthermore, HDFC Bank offers round-the-clock customer support to address any queries or concerns, ensuring a seamless and secure experience for cardholders.
Read More: How to Block SBI Credit Card
HDFC Infinia Credit Card Benefits
Milestone benefits
- You receive a waiver of the renewal membership fee for the following year when you spend Rs. 10 lakh or more during the current year.
Travel Privileges
- With the complimentary Priority Pass membership, you can gain access to more than 1,000 airport lounges both domestically and internationally.
- Access to amenities like the business centre and refreshments is available to primary and add-on cardholders.
- With the MasterCard/Visa Lounge Access Programme, cardholders receive four complimentary visits to domestic lounges each quarter.
- On all purchases made outside of the country, the card has the lowest 2% foreign exchange markup.
Lifestyle Benefits
- You can use your personal concierge service to make specialised hotel reservations, dining reservations, movie ticket reservations, and much more.
- With the Infinia credit card, you can play free gold games at some of the top golf courses in India and the rest of the world.
- It is advised to go to the HDFC Bank website to find a list of golf courses both domestically and abroad.
- You can use the card to access upscale dining establishments at specific golf courses across the nation.
- During the visit, the primary cardholder will be exempt from paying any green fees.
- A free membership to Club Marriott is offered to Infinia cardholders.
Dining Benefits
- With the HDFC Infinia credit card, you can receive exclusive offers and discounts at more than 3,000 participating restaurants for up to 15% off.
- Get up to 20% off the cost of food and drink at restaurants inside Marriott hotels.
- Enjoy up to 20% off of “Best Available Rates” on rooms at Marriott Hotels in India and “Weekend Rates” at Marriott Hotels in the Asia Pacific to make the most of your membership.
Financial Benefits
- The Infinia credit card from HDFC Bank has the lowest foreign exchange markup rate at 2% plus GST for all international transactions.
- On all fuel transactions, the convenience fee of 1% is waived. The minimum transaction amount is Rs. 400, and the highest waiver amount offered per statement cycle is Rs.
- The interest-free period on this HDFC Bank credit card is up to 50 days.
- Additionally, the primary cardholder is exempt from cash withdrawal fees up to 40% of the available credit.
Insurance Benefits
- The designated next of kin will receive insurance compensation totaling Rs. 3 crore in the event of a fatal air accident.
- While travelling abroad, the primary cardholder will also be protected by medical insurance worth Rs. 50 lakh.
- In the event of the primary cardholder’s accidental death or permanent disability, the HDFC Bank Infinia credit card’s extending amount will be covered up to a maximum of Rs. 9 lakh.
Reward Point Benefits
- You’ll have access to one of the bank’s top rewards programmes with this card.
- Get 5 reward points for each you spend Rs.150 using the card.
- Earn up to ten times reward points on Smartbuy for travel and shopping.
- Get 2X reward points for every Rs. 150 spent on dining and flight reservations made through the Infinia website and the Air Vistara website.
- Convert your reward points to air miles to get the most out of them. Leading domestic and foreign airlines accept these miles in exchange for travel-related goods and services.
- After the date of accumulation, the reward points expire after three years.
How do I use HDFC Bank Infinia credit card reward points?
The process of redeeming reward points earned on your HDFC Bank Infinia Credit Card is simple and enables you to get the most out of your accumulated points. Here is a detailed explanation of how to use your reward points:
Visit the HDFC Bank website: Start by visiting the official HDFC Bank website at www.hdfcbank.com.
Log in to your account: Use your HDFC Bank net banking credentials to log in to your account. If you don’t have an online banking account, you can register for one by following the provided instructions.
Access the credit card section: Once you’ve logged in, navigate to the credit card section of your account. You will typically find this in the main menu or dashboard of your net banking interface.
Check your reward points balance: Within the credit card section, you should be able to view your reward points balance associated with your HDFC Bank Infinia Credit Card. Take note of the total number of points available for redemption.
Explore redemption options: HDFC Bank provides multiple redemption options to suit your preferences. These options include travel bookings, merchandise, gift vouchers, statement credits, and more. Browse through the available options to determine which one best suits your needs.
Select your preferred redemption method: Select the desired redemption option once you’ve made your decision to move forward with the redemption. You might be directed to a specific rewards portal or redemption page depending on the option you chose.
Follow the redemption instructions: Follow the guidelines listed on the portal’s or redemption page. Entering the necessary information, such as the quantity of reward points you want to use or choosing the particular good or service you want, may be necessary.
Confirm and complete the redemption: Check the redemption information to make sure it is correct. When you’re satisfied, confirm the redemption request and carry out the remaining steps. You might need to give more information or make the required payments, if any, depending on the redemption option you choose.
Receive confirmation and enjoy the benefits: You will receive a confirmation of your redemption request once the redemption process has been successfully completed. You can now take advantage of the advantages connected with your selected redemption option after the redeemed reward points have been taken out of your account.
HDFC Infinia Credit Card Eligibility
- A Person can be a resident or a non-resident of India.
- The applicant must be between the ages of 18 and 70.
- A minimum age of 15 is required for the add-on cardholder.
Documents required for HDFC Bank Infinia Credit Card
To apply for an HDFC Bank Infinia Credit Card, you will need to provide certain documents to complete the application process. The specific documentation requirements may vary based on your individual circumstances and HDFC Bank’s policies. However, here is a general list of documents commonly required for HDFC Bank credit card applications, including the Infinia Credit Card:
Identity Proof:
- Passport
- Aadhaar card
- Voter ID card
- Driving licence
- PAN card
Address Proof:
- Passport
- Aadhaar card
- Voter ID card
- Utility bills (electricity, water, gas, landline telephone)
- Bank account statement
- Rent agreement (if applicable)
Income Proof:
- Latest salary slips (for salaried individuals)
- Bank statements (for self-employed individuals)
- Income tax returns (ITR) or Form 16 (for salaried individuals)
- Business continuity proof (for self-employed individuals)
Photographs:
- Recent passport-sized photographs
Credit Score:
- A good credit score may be beneficial for the credit card application. While not a document, it is worth mentioning that a higher credit score can increase your chances of approval.
Additional Documents:
- Depending on your specific circumstances, HDFC Bank may request additional documents. For example, if you are a self-employed individual, you may be required to submit proof of business ownership, registration, or financial statements.
HDFC Bank Infinia Credit Card Fees and Charges
| Type of Charge | Amount |
| Joining fee | Rs.12,500 |
| Renewal fee | Rs.5,000 |
| Minimum repayment amount | 5% or a maximum of Rs.200 |
| Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |
| Cash advance limit | 40% of the credit limit |
| Rewards redemption fee | Rs.99 |
| Add-on cards charges | NIL |
| Foreign currency mark-up fee | 2% |
| Late payment charges | Less than Rs.100 – Nil |
| Rs.100 to Rs.500 – Rs.100 | |
| Rs.501 to Rs.5,000 – Rs.500 | |
| Rs.5,001 to Rs.10,000 – Rs.600 | |
| Rs.10,001 and 25,000 – Rs.800 | |
| Rs.25,000 to Rs.50,000 – Rs.1,100 | |
| Over Rs.50,000 – Rs.1,300 | |
| Over limit charges | 2.5% of the over the limit amount (Min. of Rs.550) |
| Cash processing fee | Rs.100 per transaction |
| Payment return charges | 2% of the payment amount (Minimum of Rs.450) |
| Card re-issuance charges | Rs.100 per instance |
| Duplicate statement | Rs.10 |
How to Get HDFC Infinia Credit Card
Applying for the HDFC Bank Infinia Credit Card online is a convenient and straightforward process. Here is a step-by-step guide on how to apply for the HDFC Bank Infinia Credit Card online:
Visit the HDFC Bank website: Start by visiting the official HDFC Bank website at www.hdfcbank.com.
Navigate to the credit cards section: On the HDFC Bank website, locate and click on the “Credit Cards” section.
Explore credit card options: Browse through the different credit card options available and select the HDFC Bank Infinia Credit Card as your preferred choice. Click on the “Apply Now” or “Apply Online” button associated with the Infinia Credit Card.
Provide personal and contact details: Fill in the online application form with accurate personal information such as your name, date of birth, address, contact number, email address, etc. Ensure that the information provided matches the supporting documents you will be submitting.
Choose income and employment details: Provide details related to your income and employment status, including your occupation, employer’s name, years of employment, monthly income, etc. If you are self-employed, you will need to provide information about your business or profession.
Submit required documents: Upload the necessary supporting documents, such as identity proof, address proof, income proof, and photographs, as per the requirements mentioned during the application process.
Review and agree to terms and conditions: Carefully review the terms and conditions associated with the HDFC Bank Infinia Credit Card. It is important to understand the card’s features, fees, interest rates, and other relevant details. If you agree to the terms and conditions, proceed to the next step.
Submit the application: After reviewing all the information provided, click on the “Submit” or “Apply” button to submit your application for the HDFC Bank Infinia Credit Card.
Await application processing and approval: Once your application is submitted, it will be processed by HDFC Bank. The bank will evaluate your application based on factors such as credit history, income, and other internal policies. You may be contacted by the bank for any additional information or documents, if required.
Receive communication regarding application status: HDFC Bank will inform you about the status of your credit card application via email, SMS, or phone call. If your application is approved, you will receive further instructions on card delivery and activation.
