HDFC Bank Infinia Credit Card Review

HDFC Bank Infinia Credit Card Review: HDFC Bank Infinia Credit Card is a premium credit card offered by HDFC Bank. It is a card that is designed for individuals who have a high income and are looking for exclusive privileges and benefits. In this review, we will take a look at some of the features and benefits of the HDFC Bank Infinia Credit Card, and how it compares to other premium credit cards available in the market.

One of the standout features of the HDFC Bank Infinia Credit Card is its rewards program. The card offers a rewards rate of 5 reward points for every Rs. 150 spent on the card, which is among the highest in the industry. In addition, cardholders can earn up to 10,000 bonus reward points on their first transaction on the card. The reward points can be redeemed for a variety of items, including flights, hotel stays, and merchandise.

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

Another advantage of the HDFC Bank Infinia Credit Card is its comprehensive insurance coverage. The card offers a variety of insurance benefits, including air accident cover, lost card liability cover, and purchase protection cover. In addition, the card offers a host of international travel benefits, including access to over 1,000 airport lounges worldwide, and concierge services to assist with travel arrangements.

1) HDFC Bank Infinia Credit Card Review 

HDFC Bank Infinia Credit Card is a premium credit card offered by HDFC Bank. It is one of the best credit cards in India, offering a host of benefits and rewards. The card comes with a host of features and perks, making it a great choice for those looking for a credit card that offers value for money.

The HDFC Bank Infinia Credit Card also offers a host of lifestyle benefits. Cardholders have access to exclusive discounts and offer at a range of luxury brands and merchants, including hotels, restaurants, and spas. The card also offers a range of entertainment benefits, including access to premium events and experiences, and discounts on movie tickets and theme park admissions.

In terms of fees and charges, the HDFC Bank Infinia Credit Card has a relatively high annual fee of Rs. 10,000, which is waived for the first year. The card also has a relatively high-interest rate of 42% per annum on unpaid balances. However, the card does offer a generous credit limit of up to Rs. 50 lakhs, which is among the highest in the industry.

Overall, the HDFC Bank Infinia Credit Card is a solid choice for individuals who are looking for a premium credit card with a comprehensive set of benefits and rewards. The card’s high rewards rate and extensive insurance coverage make it a good option for frequent travelers, while its lifestyle and entertainment benefits make it a good choice for individuals who enjoy luxury experiences. However, the card’s high fees and interest rate may not be suitable for everyone, and it is important to carefully consider these costs before applying for the card.

HDFC Bank Infinia Credit Card comes with a host of features and benefits that make it a great choice for those looking for a credit card that offers value for money. Some of the key features and benefits of the card include:

Earn 5% cashback on all spends, up to a maximum of Rs. 10,000 per month
– Complimentary domestic and international airport lounge access
– Complimentary golf lessons at select golf courses
– Complimentary subscription to Zomato Gold
– Up to 10% discount on dining, shopping, and travel
– 3 complimentary domestic and international airport transfers per year
– 1% fuel surcharge waiver
– 0% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000
– No pre-set spending limit
– Interest-free cash withdrawals of up to 50% of your credit limit 
– 3% surcharge waiver on all railway bookings made through IRCTC

HDFC Bank Infinia Credit Card is a great choice for those looking for a credit card that offers value for money. The card comes with a host of features and benefits that make it a great choice for those looking for a credit card that offers value for money.

2) HDFC Bank Infinia Credit Card Key Features

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

  1. High reward points: The HDFC Bank Infinia Credit Card offers a high reward rate of 5 reward points for every Rs. 150 spent on the card. These reward points can be redeemed for a variety of options, including air miles, merchandise, and cashback.
  2. Complimentary airport lounge access: The card offers complimentary access to over 1000 airport lounges across the world. This benefit is available through the Priority Pass program.
  3. Fuel surcharge waiver: The HDFC Bank Infinia Credit Card offers a fuel surcharge waiver of up to Rs. 500 per month. This means that users do not have to pay the fuel surcharge when they use the card to pay for the fuel at petrol pumps.
  4. High credit limit: The HDFC Bank Infinia Credit Card offers a high credit limit, which allows users to make large purchases or pay expensive bills.
  5. Flexible repayment options: The card offers flexible repayment options, allowing users to choose a repayment tenure that suits their financial needs.
  6. Zero liability on lost card: The HDFC Bank Infinia Credit Card offers zero liability on a lost card, which means that users are not held responsible for any unauthorized transactions made on the lost card.
  7. Global acceptance: The card is accepted at millions of merchant outlets and ATMs across the world, making it a convenient option for international travel.
  8. 24×7 customer support: The HDFC Bank Infinia Credit Card comes with 24×7 customer support, which means that users can get assistance with their card-related queries at any time of the day.
  9. Insurance coverage: The HDFC Bank Infinia Credit Card offers a range of insurance coverage, including personal accident insurance, lost card liability insurance, and purchase protection insurance.
  10. Other benefits: The card also offers benefits such as dining discounts, movie ticket discounts, and more.

HDFC Bank Infinia Credit Card is a premium credit card that offers a range of benefits and features to its users, including high reward points, complimentary airport lounge access, fuel surcharge waiver, high credit limit, flexible repayment options, zero liability on the lost card, global acceptance, 24×7 customer support, and insurance coverage, among others.

3) HDFC Bank Infinia Credit Card Rewards and Benefits

HDFC Bank Infinia Credit Card is a premium credit card offered by HDFC Bank. It offers a range of rewards and benefits to cardholders, including reward points for every transaction made with the card.

One of the key benefits of the HDFC Bank Infinia Credit Card is the reward points program. Cardholders can earn reward points on all their purchases, which can be redeemed for a variety of items such as air miles, gift vouchers, and merchandise. The reward points earned on the HDFC Bank Infinia Credit Card do not expire, so cardholders can accumulate points over time and redeem them at their convenience.

In addition to the reward points program, the HDFC Bank Infinia Credit Card also offers a range of other benefits to cardholders. These include access to airport lounges, fuel surcharge waivers, and discounts on movie tickets and dining. Cardholders also have the option to add up to two supplementary cards for their family members, which allows them to share the benefits of the card.

SHOPPING 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%

The HDFC Bank Infinia Credit Card also offers a range of insurance benefits, including accidental death and disability cover, lost card liability cover, and purchase protection. Cardholders can also avail of the concierge services offered by the card, which include assistance with travel bookings, event ticket bookings, and restaurant reservations.

Overall, the HDFC Bank Infinia Credit Card is a good choice for individuals who are looking for a premium credit card with a range of rewards and benefits. The reward points program and other benefits offered by the card make it a worthwhile investment for those who frequently use their credit card for purchases. So, it is a good credit card to have in 2022.

HDFC Bank Infinia is one of the most popular and rewarding credit cards in India. It offers a wide range of benefits and rewards to its cardholders. Let’s take a look at some of the most important ones :

Base Rewards 5 RP per Rs 150
Insurance Transactions 5 RP per Rs 150 – Maximum 5000 RP per day
Smartbuy Bonus RP 15000 RP per calendar month

 

1. Earn 5% cashback on all spends :
HDFC Bank Infinia Credit Card offers 5% cash back on all your spending, no matter where you use your card. This is one of the highest cashback rates offered by any credit card in India.

2. Earn 2% cashback on online spending:
In addition to the regular 5% cashback, you also get 2% additional cashback on all your online spending. This makes HDFC Bank Infinia Credit Card one of the best cards for online shopping.

3. Complimentary airport lounge access :
HDFC Bank Infinia Credit Card gives you complimentary access to airport lounges across the world. This benefit can be very valuable if you travel frequently.

4. Reward points on all spends :
HDFC Bank Infinia Credit Card also offers reward points on all your spending. You can redeem these points for a wide range of rewards, including air miles, hotel stays, and more.

5. 0% interest EMI on all purchases :
HDFC Bank Infinia Credit Card offers 0% interest EMI on all your purchases. This means you can pay for your purchases in easy monthly installments without paying any interest.

6. No annual fee for life :
HDFC Bank Infinia Credit Card doesn’t charge any annual fee. This makes it a very attractive option for those who don’t want to pay any yearly fee for their credit card.

7. Attractive interest rates :
HDFC Bank Infinia Credit Card offers very attractive interest rates on both purchases and cash advances. This makes it a good choice for those who want to save on interest payments.

8. Wide range of features and benefits :
HDFC Bank Infinia Credit Card comes with a wide range of features and benefits. Some of the most important ones include complimentary insurance cover

4) HDFC Bank Infinia Credit Card Fees and Charges

HDFC Bank Infinia Credit Card is one of the best credit cards in India. It offers a wide range of benefits and features that are truly unmatched. However, like any other credit card, it also comes with certain fees and charges that cardholders need to be aware of. In this article, we will take a detailed look at all the fees and charges associated with the HDFC Bank Infinia Credit Card.

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

HDFC Bank Infinia Credit Card is a premium credit card offered by HDFC Bank that provides a range of benefits and features to its cardholders. However, like most credit cards, it also comes with fees and charges that cardholders need to be aware of.

Annual fee: The HDFC Bank Infinia Credit Card charges an annual fee of Rs. 12,500, which is waived for the first year of card membership.

Foreign currency markup fee: This credit card charges a markup fee of 3.5% on all transactions made in foreign currency. This fee is charged in addition to the exchange rate that is applicable at the time of the transaction.

Cash advance fee: The HDFC Bank Infinia Credit Card charges a cash advance fee of 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Late payment charges: If you fail to make the minimum payment due on your credit card bill on time, you will be charged a late payment fee. The late payment fee is calculated as follows:

  • For outstanding balances up to Rs. 100, the late payment fee is Rs. 100
  • For outstanding balances between Rs. 100 and Rs. 500, the late payment fee is Rs. 400
  • For outstanding balances between Rs. 500 and Rs. 5,000, the late payment fee is Rs. 500
  • For outstanding balances between Rs. 5,000 and Rs. 10,000, the late payment fee is Rs. 750
  • For outstanding balances over Rs. 10,000, the late payment fee is Rs. 1,000

Overlimit fee: If you exceed your credit limit, you will be charged an over-limit fee of 2.5% of the over-limit amount or Rs. 500, whichever is higher.

Duplicate statement fee: If you request a duplicate copy of your credit card statement, you will be charged a fee of Rs. 100 per statement.

Cheque pickup fee: If you request a cheque pickup, you will be charged a fee of Rs. 100 per cheque.

Card replacement fee: If you need to replace your lost, stolen, or damaged credit card, you will be charged a card replacement fee of Rs. 100.

In addition to these fees, the HDFC Bank Infinia Credit Card also charges interest on unpaid balances. The interest rate on this credit card is 3.40% per month, which is equivalent to an annual percentage rate (APR) of 40.80%.

It is important to note that the fees and charges mentioned above are subject to change at the discretion of HDFC Bank. Therefore, it is always a good idea to check the latest fees and charges before applying for this credit card or using it for any transactions.

HDFC Bank Infinia Credit Card is a premium credit card that comes with a range of benefits and features. However, it also has a number of fees and charges that cardholders need to be aware of, including an annual fee, foreign currency markup fee, cash advance fee, late payment charges, over-limit fee, duplicate statement fee, cheque pickup fee, and card replacement fee. Additionally, the credit card charges interest on unpaid balances at a rate of 3.40% per month. It is important to understand these fees and charges before applying for or using the HDFC Bank Infinia Credit Card.

5) HDFC Bank Infinia Credit Card How to Apply

To apply for an HDFC Bank Infinia Credit Card, follow these steps:

  1. Go to the HDFC Bank website and navigate to the credit card section.
  2. Look for the Infinia Credit Card and click on the “Apply Now” button.
  3. Fill in your personal and contact details, including your name, email address, mobile number, and current address.
  4. Provide your employment and income details, including your current designation, company name, and monthly salary.
  5. Review the terms and conditions and click on the “Submit” button to submit your application.

Alternatively, you can also apply for an HDFC Bank Infinia Credit Card by visiting an HDFC Bank branch and filling out a physical application form. You will need to provide documents such as proof of identity, proof of address, and proof of income to complete the application process.

It’s important to note that the HDFC Bank Infinia Credit Card is a premium credit card and is only available to select individuals who meet the bank’s eligibility criteria. Some of the factors that the bank considers while approving credit card applications include the applicant’s credit score, income, employment status, and repayment history.

In addition to the above documents, you may also be required to provide additional information or documents as part of the application process. The bank may also run a background check to verify your details and assess your creditworthiness before approving your application.

Overall, the process of applying for an HDFC Bank Infinia Credit Card is straightforward and can be completed online or in person at an HDFC Bank branch. Just make sure to have all the necessary documents ready and provide accurate information to increase your chances of approval.

6) HDFC Bank Infinia Credit Card Conclusion

The HDFC Bank Infinia Credit Card is a great choice for anyone looking for a high-end credit card with a host of features and benefits. It offers a host of rewards and perks, including a substantial sign-up bonus, and its annual fee is offset by a number of statement credits. It also comes with a number of travel and lifestyle benefits, making it a great choice for frequent travelers. The only downside is that it has a relatively high-interest rate, so it’s important to pay your balance in full each month.

7) HDFC Bank Infinia Credit Card FAQ

1. What are the main features of HDFC Bank Infinia credit cards?

HDFC Bank Infinia credit card comes with a host of features that make it a great choice for frequent flyers. Some of the main features include:

– Complimentary airport lounge access: HDFC Bank Infinia cardholders can enjoy complimentary access to over 850 airport lounges across the world.

– Complimentary domestic and international flight tickets: HDFC Bank Infinia cardholders can avail of complimentary domestic and international flight tickets every year.

– Higher reward points on spends: HDFC Bank Infinia cardholders earn 5 Reward Points for every Rs. 150 spent on their card. They also earn 10x Reward Points on spending made on select categories such as travel, dining, and entertainment.

– Complimentary golf membership: HDFC Bank Infinia cardholders can enjoy complimentary golf membership at select golf clubs across the world.

2. How much annual fee is charged on HDFC Bank Infinia credit card?

The annual fee for an HDFC Bank Infinia credit card is Rs. 12,500. However, cardholders can get the annual fee waived if they spend Rs. 8 lahks or more in a year.

3. How much joining fee is charged on the HDFC Bank Infinia credit card?

The joining fee for an HDFC Bank Infinia credit card is Rs. 5,000. However, cardholders can get the joining fee waived if they spend Rs. 4 lahks or more in the first 90 days of card membership.

4. What is the interest rate charged on HDFC Bank Infinia credit cards?

HDFC Bank Infinia credit card comes with a 3.49% interest rate per month. However, cardholders can enjoy a 0% interest rate on their card for the first 3 months of card membership.

5. How much credit limit can I get on an HDFC Bank Infinia credit card?

The credit limit for HDFC Bank Infinia credit cards depends on the cardholder’s creditworthiness. However, the HDFC Bank Infinia credit card comes with a minimum credit limit of Rs. 1 lakh.

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