CardIQIndia
Corroborated — 8 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
45
#26 of 173 in credit
HDFC Bank

Infinia Credit Card

creditVisaInfinite

5 reward points per Rs 150; concierge; unlimited lounge

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value38/100 · weight 65%
≈ 1.81% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +3.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency33/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks69/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹12,500 + 18% GST
= ₹14,750 total
Annual fee
₹12,500 + 18% GST
= ₹14,750 / year total
Waiver: Spend Rs 10L in a year
Forex markup
2%

Lounge access

Domestic (per year)
Unlimited
International (per year)
Unlimited

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
online_spendspoints3.33%(13.32 pts @ ₹0.25)—2% online (estimated)
groceriespoints3.33%(13.32 pts @ ₹0.25)—1.5% groceries (estimated)
fuelpoints1.00%(4 pts @ ₹0.25)—1% fuel (estimated)
utilitiespoints1.00%(4 pts @ ₹0.25)—1% utilities (estimated)
travelpoints0.83%(3.33 pts @ ₹0.25)—10X on SmartBuy travel
diningpoints0.83%(3.33 pts @ ₹0.25)—5 pts / Rs 150
all_spendspoints0.83%(3.33 pts @ ₹0.25)——
all_spendspoints0.82%(3.3 pts @ ₹0.25)—5 pts / Rs 150 = 3.3%
all_spendspoints0.50%(2 pts @ ₹0.25)—Base earn rate