CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

Infinia Credit Card

85
Ranked #3 of 171 in credit
creditVisaInfinite

HDFC Bank's flagship invite-only super-premium metal credit card offering unlimited lounge access, high reward rate via SmartBuy, and luxury travel/dining privileges.

Score breakdown

Data completeness: 100% · Last verified: 03 Sept 2026

Reward value100/100 · weight 71%
≈ 5.12% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency33/100 · weight 12%
Redemption flexibility85/100 · weight 9%
Perks29/100 · weight 9%

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: Renewal fee waived if annual spend >= Rs 10 lakh in preceding 12 months (retention now also requires Rs 18 lakh annual spend or Rs 50 lakh relationship value effective April 2026)
Forex markup
2%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_travel_bookingpoints33.00%(33 pts @ ₹1.00)₹1,50,000 / monthlyUp to 10X RP via SmartBuy flights/hotels; capped at 1.5 lakh RP/month redemption
travelpoints0.83%(3.33 pts @ ₹0.25)—10X on SmartBuy travel
diningpoints0.83%(3.33 pts @ ₹0.25)—5 pts / Rs 150
all_spendspoints3.33%(3.33 pts @ ₹1.00)—5 RP per Rs 150 spent; RP value Re 1 when redeemed via SmartBuy for travel

Welcome offer

12,500 Reward Points + complimentary 1-year Club Marriott membership on fee realisation and activation

Milestone benefits

Pros

  • 5 RP per Rs 150 spent (~3.33% base value-back)
  • up to 10X on SmartBuy
  • unlimited lounge access
  • unlimited golf
  • low 2% forex markup
  • Club Marriott + ITC hotel benefits

Cons

  • Invite-only, hard to get
  • high fee
  • new 2026 retention rules (Rs 18L spend/Rs 50L relationship) tighten continued eligibility
  • redemption caps (1.5L pts/month for travel, 2L pts/statement cycle)

What's inside

More benefits

  • Complimentary golf games

    ₹3,000

    Unlimited golf games at select courses in India and abroad

    unlimited. Advance booking via bank concierge

  • Complimentary Club Marriott Membership

    ₹5,000

    1-year Club Marriott membership; 20% off dining and best available room rates at participating Marriott hotels in India

    Cap ₹5,000 / yearly. Complimentary in first year on fee realisation and activation

  • Complimentary golf games

    ₹3,000

    Unlimited complimentary golf games and lessons at leading golf courses in India and abroad

    unlimited. 24x7 golf concierge booking required

Insurance cover

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Eligibility

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Invite-only; Indian resident or NRI, age 18-70 (primary), add-on 15+; strong HDFC banking relationship/high credit score typically required

Small print

Fuel surcharge:1% fuel surcharge waiver on transactions Rs 400-Rs 1,00,000, capped at Rs 1,000 per statement cycle