HDFC Bank Infinia Credit Card – Review, Details, Offers, Benefits


HDFC Infinia is a super premium credit card by HDFC Bank that provides many benefits around travel and dining. 


HDFC Infinia Credit card Benefits


Complimentary Airport Lounge Access:   HDFC Infinia card gives you a complimentary Priority Pass Membership that allows you preferential access* to 1000+ airport lounges globally. Primary card and add-on Card holders may utilize the refreshment and business center facilities at these lounges. Please note that the presentation of the Priority Pass card at the participating airport lounge is mandatory to avail access.  Normally, complementary access is for primary holder only, but this credit card allows complementary accesss to add-on card holders also, which is a good offer.

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


Complimentary Club Vistara Gold Membership:   Infinia cardholders enjoy complimentary Club Vistara Gold Membership which offers unmatched benefits on Vistara:

  • Earn 10 Club Vistara points for every Rs. 100 spent on All Vistara Flights
  • Lounge Access
  • Additional 10 Kg Baggage allowance
  • Guaranteed reservations in Economy Class
  • Priority Airport check-in, Waitlist Clearance, Baggage handling and boardingNote:
    1) Club Vistara Membership is applicable for Primary Card holder only and it has 1 Year Validity.
    2) The renewal of membership is at discretion of the partner.


Lowest foreign currency markup fee:   HDFC Bank Infinia Credit Card offers you the lowest markup fee of 2% on all foreign currency transactions.


Complementary Golf Lessons and Gold games (Domestic and International)  – Details


Min 15% off at restaurants:  As an HDFC Bank Infinia Credit Card holder, you are entitled to Exclusive Dining Privileges at the finest hotel chains in India – with minimum discount of 15% across 3000+ restaurants 


Fuel fees Waiver:  Convenience fee waiver of 1% on all fuel transactions. The waiver on convenience fee on all fuel transactions upto INR 1,00, 000(Maximum waiver of INR 1000 per statement cycle, Minimum transaction of INR 400).  Fuel surcharge varies from 2.5% to 1% of fuel transaction amount. The rate of surcharge may vary depending on the fuel station and their acquiring bank.


HDFC  Infinia Concierge:   As an HDFC Bank Infinia Credit Card customer, you can customize your travel, entertainment, and business experiences with Global Concierge Assistance.   Toll Free No.: 1800 118 887 Landline No.: 022 42320226    Email ID :


No cash withdrawal fee: Withdraw cash of upto 40% of your credit limit without any cash withdrawal charges.


Addon card:  You can get upto 3 add-on Infinia Cards for your spouse, parents, siblings and children over 18 years and not more than 70 years. The prevailing KYC policy will apply for add-on applicants. 



Rewards Collection

Earn 5 Reward Points* for every Rs. 150 spent on your HDFC Bank Infinia Credit Card, with no conditions attached


Enjoy 2X Reward Points i.e. 10 Reward Points for every Rs. 150 spent for

Exceptions:  Reward points will not be accrued for fuel transactions, EasyEMI and e-wallet loading transactions, SmartEMI, Insurance transactions more than Rs 2000.


Enjoy 10X Reward Points on all purchases in Smartbuy   while you Compare and Shop, Compare and Fly and with brands like Flipkart, Cleartrip & Yatra, etc

July 2018 – Currently there is ongoing offer to get 5X reward points on BigBasket, Makemytrip, SnapDeal, RedBus, SpiceJet, GoIBIBIO


Rewards Redemption

You can redeem reward points at 

  • Travel bookings on   ( 1 reward point = Rs 1) 
  • Exciting gifts from an exclusive rewards catalogue    ( Electronics,  evouchers for shopping, restaurants etc)  ( 1 reward point = approx Rs 0.5) 
  • AirMiles of leading domestic and international airlines


HDFC Infinia points value –  Based on the reward points and redemption value (HDFCBankInfinia site) – you will get a cashback of 3.33% on normal spending and 6.66% on on some special spending (flights/ hotels on infinia site ).  Cashback will be equivalent to 33.33% for spending on HDFC SmartBuy Portal.

On Infinia site, the point value is Rs 1 and on other redemption options, the point value is dropped to Rs 0.50


Insurance included in the credit card

Accidental death: In case of death in an air accident, the nominated next of kin will receive a compensation of Rs 3 crore. Note that Air Accident cover will be activated if the tickets are purchased using HDFC Bank Infinia credit cards.

Medical emergency cover: The card holder is covered up to Rs 50 lakh against medical emergencies during travel abroad


HDFC Infinia Card Eligibility :  The HDFC Bank Infinia Card is available by invitation only.  If you have good amount of transactional relationship with HDFC (i.e. other credit card with high volume of transactions, FDs etc), you can check with your relationship manager to get the HDFC Infinia card.


HDFC Infinia Card for NRI – Non Resident (NR) Infinia Credit Card is offered to NR account holders

Credit Limit  :The HDFC Bank Infinia Credit Card comes with a minimum credit limit of Rs 10 lakh and the unique NPSL* (No Pre-set Spending Limit) feature. 

How to activate HDFC Infinia credit card:  Activation is defined as first purchase at a retail outlet or cash withdrawal from an ATM using the HDFC Bank Infinia Credit Card.

HDFC Infinia credit card customer care:   Dedicated Customer Care Number for HDFC Bank VISA INFINIA Credit Card members: 1800 102 3310 and 022-28561443 (Available round the clock)  E-mail:


First year fee is Rs 10,000+GST

Annual renewal membership fee is Rs 10,000+GST. 

If the renewal fee is levied, 10000 reward points will be credited to the customer account.(Reward point=1) (when redeemed on , so effectively the card will be free for you.

The customer however can enjoy waiver of the renewal fee if the spends are minimum Rs 8,00,000 within the 12 months (i.e. approx Rs 67000 per month).



This card will be useful for the people are travelling frequently (or book flights / hotels for family) as the best value on reward points collection and redemption is on flight and hotel booking. Major benefits are related to lounge access for primary and add-on card holders.  

Also, note that you get the 10000 reward points every year (if renewal fees is paid), so effectively the card is free for you.


There are many credit cards offered by HDFC bank with different features including discount on movies, groceries, dining as well as air travel and hotels, free international and domestic lounge access. Some of the cards offers redemption rewards equivalent to 13%-33% cashback, that’s pretty amazing. See list of all credit cards offered by HDFC Bank and check which one you should go for.

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