HDFC Bank Infinia Credit Card Review 2023

HDFC Bank Infinia Credit Card Review: Welcome to the HDFC Bank Infinia Credit Card Review. If you’re looking for a great credit card that offers great rewards, the HDFC Bank Infinia Credit Card is a great option for you. This card offers a great rewards program that you can use to get discounts and rewards on your purchases.

You also get great benefits like travel insurance and roadside assistance, which can be really helpful if you need them. Overall, the HDFC Bank Infinia Credit Card is a great option for anyone looking for a great credit card that offers great rewards and great benefits. Thanks for reading!

HDFC Bank Infinia Credit Card Review
HDFC Bank Infinia Credit Card Review

1. HDFC Bank Infinia Credit Card Review – Is It Worth It?

The HDFC Bank Infinia Credit Card is a premium credit card that offers a wide range of benefits and rewards to its users. But is it worth it? Let’s take a closer look at the features and benefits of this credit card to determine its value.

First and foremost, the Infinia Credit Card offers an extremely high credit limit, which can be as high as Rs. 50 lakhs (depending on your creditworthiness and other factors). This makes it an ideal choice for high spenders and those who need a large credit limit for their business expenses.

In terms of rewards, the Infinia Credit Card offers a host of benefits, including 5 reward points for every Rs. 150 spent on the card, complimentary airport lounge access, and discounts on dining and travel. The rewards points can be redeemed for a variety of items, including air miles, gift vouchers, and more.

One of the standout features of the Infinia Credit Card is its complimentary membership to the Priority Pass program, which gives cardholders access to over 1,300 airport lounges worldwide. This is a great benefit for frequent travelers, as it allows them to relax and unwind in the lounge before their flight.

The Infinia Credit Card also offers a range of exclusive privileges and discounts, including discounts on dining, travel, and other lifestyle expenses. Cardholders can also avail of the 24/7 concierge service, which can help with everything from booking tickets to making reservations.

In terms of fees and charges, the Infinia Credit Card has an annual fee of Rs. 12,500, which is waived for the first year. There is also a renewal fee of Rs. 12,500 after the first year, which may be waived depending on your spending and other factors.

One potential downside of the Infinia Credit Card is that it has a relatively high-interest rate, which can be as high as 40% per annum. This means that cardholders should be careful to pay their balance in full each month to avoid incurring high-interest charges.

Overall, the HDFC Bank Infinia Credit Card is a premium credit card that offers a range of benefits and rewards to its users. It is well worth considering for those who are high-spenders and need a large credit limit, as well as for frequent travelers who can make use of the complimentary airport lounge access and other travel-related benefits. However, the high annual fees and interest rates may not make it a suitable choice for everyone, so it is important to carefully consider your financial situation and needs before deciding if this credit card is right for you.

Features and Benefits of HDFC Bank Infinia Credit Card

Some of the key features and benefits of HDFC Bank Infinia Credit Card are as follows:

1. Attractive rewards program – The HDFC Bank Infinia Credit Card offers a rewards program that is one of the best in the industry. You can earn 5% cash back on all your spending on the card.

2. Complimentary airport lounge access – The card gives you complimentary access to over 1000 airport lounges across the world.

3. Fuel surcharge waiver – The card gives you a fuel surcharge waiver of up to Rs. 500 per month.

4. Wide range of other benefits – The card also offers a wide range of other benefits such as dining discounts, golf course access, and much more.

Fees and Charges of HDFC Bank Infinia Credit Card

The fees and charges of HDFC Bank Infinia Credit Card are as follows:

1. Annual fee – Rs. 12500

2. Foreign currency transaction fee – 3%

3. Cash advance fee – 2.5%

4. Late payment fee – Up to Rs. 100

5. Overlimit fee – Rs. 100

Should You Apply for HDFC Bank Infinia Credit Card?

HDFC Bank Infinia Credit Card is a good option.

2. How Does the HDFC Bank Infinia Credit Card Work?

HDFC Bank Infinia Credit Card is a premium credit card offered by HDFC Bank. It is one of the most expensive credit cards in India with an annual fee of Rs. 12500 + GST. The card offers a host of benefits and rewards including 5% cashback on fuel, dining, and international spending, 3% cashback on air tickets booked through the HDFC Bank Smartbuy portal, and 1% cashback on other spends. The card also offers complimentary airport lounge access, a fuel surcharge waiver, and a host of other benefits.

The HDFC Bank Infinia Credit Card is a premium credit card that offers a wide range of benefits and rewards to its users. It is designed for individuals who are looking for a credit card with high limits, exclusive offers, and unparalleled convenience.

To use the HDFC Bank Infinia Credit Card, you will first need to apply for it by filling out an application form. Once your application is approved, you will receive the card in the mail. You can then activate the card by following the instructions provided in the kit.

Joining/Annual Fee Rs 12500 (Offered FYF in most cases)
Welcome Benefit 1. Complimentary Club Marriott membership for the first year

2. 12500 RP if joining fees are paid

Renewal Benefits 12500 RP on payment of annual fees
Annual Fee Waiver Spend Rs 10 Lakhs on a card membership year

 

To make a purchase using the HDFC Bank Infinia Credit Card, you will need to present the card at the time of checkout. You can either swipe the card through the card reader or provide the card details online. The amount of the purchase will be debited from your credit card account and added to your balance.

One of the key features of the HDFC Bank Infinia Credit Card is its rewards program. You can earn reward points on all your purchases using the card. These points can then be redeemed for a variety of rewards, including travel, shopping, dining, and more. The more you use your card, the more points you will earn.

The HDFC Bank Infinia Credit Card also offers a range of exclusive benefits to its users. These include access to airport lounges, discounts on dining and travel, and priority service at hotels and airlines. You can also avail of a range of insurance covers, such as travel insurance, personal accident insurance, and more.

The HDFC Bank Infinia Credit Card also comes with a range of convenient features, such as balance transfer and cash advance. You can transfer your outstanding balance from another credit card to your HDFC Bank Infinia Credit Card at a lower interest rate. You can also withdraw cash from your credit card account at ATMs or banks, subject to certain limits.

In addition to the above features, the HDFC Bank Infinia Credit Card also offers a range of services to its users. These include 24×7 customer support, lost card liability protection, and emergency card replacement. You can also access your account details and track your transactions online or through the mobile app.

In conclusion, the HDFC Bank Infinia Credit Card is a premium credit card that offers a wide range of benefits and rewards to its users. It is designed for individuals who are looking for a credit card with high limits, exclusive offers, and unparalleled convenience. With its rewards program, exclusive benefits, and convenient features, the HDFC Bank Infinia Credit Card is an ideal choice for those who want to make the most of their credit card.

3. What Are the Key Benefits of the HDFC Bank Infinia Credit Card?

HDFC Bank Infinia is one of the most popular credit cards in India. It comes with a lot of benefits and features that make it a good choice for many people. Let’s take a look at some of the key benefits of the HDFC Bank Infinia Credit Card.

The HDFC Bank Infinia Credit Card is a premium credit card that offers a variety of benefits and features to its users. Some of the key benefits of this card include:

  1. High reward points: The HDFC Bank Infinia Credit Card offers a high reward point earning rate for every transaction made on the card. These reward points can be redeemed for a variety of benefits such as air miles, merchandise, and cashback.
  2. Complimentary airport lounge access: The card offers free access to airport lounges across the world through the Priority Pass program. This is a great benefit for travelers who frequently fly and need a place to relax before their flight.
  3. Unlimited golf benefits: The HDFC Bank Infinia Credit Card offers unlimited golf benefits to its users. This includes free green fees, discounts on golf equipment and accessories, and access to exclusive golf courses.
  4. Complimentary travel insurance: The card offers complimentary travel insurance up to Rs. 1 crore for the cardholder and their family. This includes cover for lost baggage, trip delays, and medical emergencies while traveling.
  5. Fuel surcharge waiver: The HDFC Bank Infinia Credit Card offers a fuel surcharge waiver at all petrol pumps in India. This can save cardholders a significant amount of money on their fuel expenses.
  6. Easy EMI options: The card allows users to convert their transactions into easy monthly installments (EMIs) at attractive interest rates. This is a convenient option for those who want to pay off large purchases over a longer period of time.
  7. Exclusive dining and shopping offer: The HDFC Bank Infinia Credit Card offers a range of exclusive dining and shopping offers to its users. These offers can include discounts at popular restaurants and stores, as well as special deals and promotions.
  8. Zero liability on lost card: The card offers zero liability on lost or stolen cards. This means that if the card is lost or stolen, the cardholder will not be held responsible for any fraudulent transactions made on the card.
  9. High credit limit: The HDFC Bank Infinia Credit Card offers a high credit limit to its users, which allows them to make large purchases or cover emergency expenses without worrying about running out of credit.
  10. 24/7 customer support: The card offers 24/7 customer support to its users, so they can get help with any issues or questions they may have about their card at any time.

Overall, the HDFC Bank Infinia Credit Card offers a wide range of benefits and features that can make it an attractive option for those looking for a premium credit card. Whether it’s the high reward points, complimentary airport lounge access, or the convenience of easy EMI options, this card has something for everyone

4. How Does the HDFC Bank Infinia Credit Card Compare to Other Cards?

The HDFC Bank Infinia Credit Card is a premium credit card offered by HDFC Bank in India. It offers a wide range of benefits and features that make it a good option for high-spending individuals who want a card that offers excellent rewards and a high credit limit. However, it is important to compare the HDFC Bank Infinia Credit Card with other cards available in the market to determine whether it is the best fit for your needs.

One of the main benefits of the HDFC Bank Infinia Credit Card is its rewards program. The card offers unlimited reward points on all purchases, which can be redeemed for a wide range of merchandise, travel, and dining options. The rewards program also includes exclusive access to airport lounges and concierge services.

Another advantage of the HDFC Bank Infinia Credit Card is its high credit limit. The card has a starting credit limit of up to Rs. 10 lahks, which can be increased based on your spending patterns and credit worthiness. This high credit limit can be useful for individuals who need to make large purchases or for those who want a card with a high credit limit for emergencies.

In terms of fees, the HDFC Bank Infinia Credit Card has a relatively high annual fee of Rs. 10,000. However, the fee is waived for the first year, and the card also offers a range of benefits and discounts that can offset the cost of the annual fee. For example, the card offers up to 10% discount on select dining and travel options, as well as discounts on movie tickets and fuel purchases.

One potential drawback of the HDFC Bank Infinia Credit Card is its high-interest rate. The card has a variable interest rate of up to 42% per annum, which is higher than the rates offered by some other credit cards. This can make it more expensive to carry a balance on the card, so it is important to pay your bills on time and in full to avoid paying high-interest charges.

Overall, the HDFC Bank Infinia Credit Card is a good option for high-spending individuals who want a card with a wide range of benefits and a high credit limit. However, it is important to consider the annual fee and the interest rate before applying for the card and to compare it with other options available in the market to ensure that it is the best fit for your needs.

5. What Are the cons of the HDFC Bank Infinia Credit Card?

The HDFC Bank Infinia Credit Card is a premium credit card that offers a range of benefits and rewards to cardholders. However, like any credit card, it also has its own set of drawbacks that you should be aware of before applying for it.

One of the main cons of the HDFC Bank Infinia Credit Card is its high annual fee. The card charges an annual fee of Rs. 12,500, which is one of the highest annual fees among credit cards in India. This fee is waived for the first year, but you will have to pay it every year thereafter. This can be a significant burden for some people, especially if they do not use their credit cards frequently.

Another disadvantage of the HDFC Bank Infinia Credit Card is its high-interest rate. The card charges a flat interest rate of 3.40% per month, which translates to an annualized interest rate of around 41%. This is significantly higher than the interest rates charged by most other credit cards in India, which typically range from 18% to 36% per year. If you are unable to pay your credit card balance in full every month, you may end up paying a large amount of interest on your outstanding balance.

Additionally, the HDFC Bank Infinia Credit Card has a number of exclusions and restrictions when it comes to its rewards and benefits. For example, the card’s free airport lounge access benefit is only available at select airports, and the card’s dining benefits are only applicable at select restaurants. This can be frustrating for cardholders who do not live in or travel to these locations, and who may not be able to take full advantage of these benefits.

Finally, the HDFC Bank Infinia Credit Card is not available to everyone. The card is only offered to HDFC Bank’s select customers, and you need to have a high credit score and a good credit history to be eligible for it. This can be a barrier for some people who may not meet these criteria.

In summary, the HDFC Bank Infinia Credit Card is a premium credit card that offers a range of benefits and rewards to cardholders, but it also has its own set of drawbacks, including a high annual fee, high-interest rate, exclusions and restrictions on its rewards and benefits, and limited availability. It is important to carefully consider these drawbacks before applying for a card.

6. Should You Get an HDFC Bank Infinia Credit Card?

If you are considering getting an HDFC Bank Infinia Credit Card, it is important to weigh the pros and cons before making a decision.

One of the main benefits of the HDFC Bank Infinia Credit Card is its high rewards program. Cardholders can earn unlimited rewards points on all purchases, which can be redeemed for a variety of rewards including travel, merchandise, and cashback. Additionally, the card offers a welcome bonus of up to 50,000 rewards points and a renewal bonus of up to 20,000 points.

Another advantage of the HDFC Bank Infinia Credit Card is its exclusive privileges and benefits. Cardholders can access exclusive airport lounges, discounts on dining, shopping, and travel, and a range of insurance coverages including travel insurance and personal accident insurance.

HOPPING CATEGORY REWARDS FOR INFINIA VALUE FOR INFINIA AS 1RP = RS 1
IGP.com 10X 33%
Flights (Cleartrip and Yatra) 5X 16.5%
Hotels (Cleartrip) 10X 33%
MakeMyTrip (Hotels) 10X 33%
IRCTC 3X 10%
Redbus 5X 16.5%
Instant Voucher 5X 16.5%
Apple Tresor 5X 16.5%
Flipkart 3X 10%

 

However, the HDFC Bank Infinia Credit Card does come with a high annual fee of Rs. 10,000 and a high-interest rate of up to 42% per annum. Therefore, it is important to ensure that you can fully utilize the card’s rewards program and benefits to justify the cost.

Additionally, the card may not be suitable for those with a lower credit score or limited credit history, as it requires a good credit score and a high income to qualify.

Overall, the HDFC Bank Infinia Credit Card is a good choice for those who frequently travel and can take advantage of the card’s high rewards program and exclusive privileges. However, it is important to carefully consider the costs and whether it is the right fit for your financial situation before applying.

7. HDFC Bank Infinia Credit Card FAQ

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

The HDFC Bank Infinia Credit Card offers a host of benefits including 5% cash back on all spends, complimentary airport lounge access, fuel surcharge waiver, and much more.

2. How can I use my HDFC Bank Infinia Credit Card?

You can use your HDFC Bank Infinia Credit Card for all your everyday spends such as shopping, dining, travel, and fuel. You can also use your card for online transactions and contactless payments.

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

You can pay your HDFC Bank Infinia Credit Card bills online through the HDFC Bank website or mobile app. You can also set up auto-payments from your HDFC Bank account to ensure that your credit card bills are paid on time.

4. What is the interest rate on the HDFC Bank Infinia Credit Card?

The interest rate on the HDFC Bank Infinia Credit Card is 3.35% per month.

5. How can I redeem my HDFC Bank Infinia Credit Card points?

You can redeem your HDFC Bank Infinia Credit Card points for a host of rewards including travel, shopping, dining, and more. You can also redeem your points for cashback.

6. How can I contact HDFC Bank Infinia Credit Card customer care?

You can contact HDFC Bank Infinia Credit Card customer care by calling the toll-free number 1800-267-6060.

7. What is the annual fee for the HDFC Bank Infinia Credit Card?

The annual fee for the HDFC Bank Infinia Credit Card is Rs. 12,500.

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