Hdfc Bank Infinia Credit Card Review

By | December 2, 2015
hdfc_infinia_credit_card

Infinia Credit Card Review – One of the Best Credit card in India

Hdfc bank the pioneer in credit card industry has come up with a unique offering few years back for ultra rich Indians – the infinia credit card. As the name signifies, it denotes limitless possibilities in every aspect. This is one of the best credit card in India that every credit card lover would dream for. The reason is its infinite capabilities in almost everything it offers. This is the card I wish to get one day or other for obvious reasons and I’m half way there 🙂
Let’s see why it’s so special.

Unique benefits of Infinia Credit Card:

Super high Credit Limit:

Infinia Credit Card falls under “Visa INFINITE” or “Master Card World” variant and comes with a minimum credit limit of 10Lakhs. They say that it has unique NPSL* (No Pre-set Spending Limit) feature. However, you need to be aware that you can’t just go ahead and purchase a Ferrari right away 😛 as they will have internal limits which can be increased if deemed reasonable by looking into your past records.

Well, you can put anything and everything on EMI for years together with this kind of Credit limit when you run short of money.  You can keep your business funds on float for 50 days with its free interest period using higher credit line. You may avail higher amount of insta loan & insta jumbo Loan on credit card which has very good interest rates if you’re looking for a quick cash.

Awesome 3.3% Reward Rate on Every Spend:

You get 5 reward points for every 150.rs spent anywhere and everywhere without any restrictions. This gives you an equivalent amount of Rs.3.30 for every rs.100 spent. You can easily save Rs.3,300 for every 1 Lakh you spend on the card. Not just that, you can save 2X if you spend on dining & airvistara/hdfcbankinfinia websites. That’s equivalent to Rs.6,600 in savings for every 1Lakh spends.

Unlimited Lounge Access Worldwide:

With priority pass membership, you can get unlimited access to airport lounges across the world. One of the biggest advantage of this card is that even the supplementary/add-on card member can have free lounge access. This feature is available hardly in 2 or 3 cards in India. This is quite beneficial if you travel with your partner/children often. Lots of savings and peace of mind during travel by resting in a comfortable place. With Lounge, you have access to complimentary wifi, coffee, take rest in a posh place, take a quick shower.

Not just that, you have the lowest 2% foreign currency markup fee, making it the best card to swipe abroad. I should say, HDFC Bank Infinia credit card is the best travel card you can ever have.

Thinking of a World tour with family with free lounge access everywhere? Infinia Credit card is for you!!

Faster Customer Support & Personal Concierge service:

No more hanging up for minutes on phone to talk to your customer care executive. Dedicated Infinia customer support can help you get things done faster. They’re bit knowledgeable too. Their personal Concierge service can save you a lot of headache when you’re abroad. To get things done, all you need to do is just call up them, say what you want and they’ll find the best deal for you.

Be it limousine transfer or taxi or hotel or whatever. I love this so much as it saves lot of time when we don’t have patience and knowledge in a new country or even when you’re out of state in India.

Attractive Insurance Cover & other Perks:

You’ve accidental air accident cover of 1cr and 12L accidental hospitalization cover abroad. So you don’t need to take a separate Travel insurance. Infinia covers you all. Apart from that, you also get Fuel surcharge waiver (Capped at Rs.1000/billing cycle) and you can Withdraw cash of upto 40% of your credit limit without any cash withdrawal charges.

CardExpert Rating: 5/5


Reward Points Redemption & Airmiles:

reward_pointsWell, that’s enough of reasons to hold one. Infinia is the one and only card in India which can provide you such unparalleled benefits. This card is best suited if you wish to covert your reward points to be redeemed for direct hotel/flight booking/ recharge using their website. You can also convert to air miles.

But if you wish to play with air miles, you need to go for JP Miles diners credit card as you get 5 JP miles for every 100.rs spent. Whereas in Infinia, you can get only ~3 JP Miles for every Rs.100

Additionally, you can also go for diners club black credit card. They run 10x promotions quite often which can save you 30.rs out of every rs.100 you spend with their limited partners. That’s 30 Airmiles for every 100.Rs spent, YEAAAH. 30% savings baby!! 😀

Note: Diners credit cards have very low acceptance in India as of now.

Final Thoughts on Infinia Credit Card:

So unless or until you’re so much bothered on air miles, there is no better credit card you can ever have in India except Infinia. However, getting approved for one is not that easy. Talk to your HDFC Relationship manager if you’re eligible for the same. If you’re finding it tough to grab one, consider going for Regalia credit card which stands one step below Infinia. Impressed about the features? Do share your views.

79 thoughts on “Hdfc Bank Infinia Credit Card Review

  1. Kumar

    You need to take the annual fees of the card when you gush about the 3.3% discount. Does not seem seem too great against a 30kfee to get in.

    Reply
    1. Siddharth Post author

      Annual fee is waived off on 8L spend. It surely make sense to have the card only for high spenders and airport lounge lovers 🙂

      Reply
      1. srinivas sai

        will there be additional annual fee for add on cards for other family members.

        Reply
  2. Vishnu Uday

    Hi Siddharth,

    Any ballpark income eligibility for a salaried individual with decent past credit history? Thanks

    Reply
    1. Siddharth Post author

      Vishnu,
      12L+ on IT is a good number for them to consider,
      But some guys i knew have received it as they have better relationship value with bank. Completely depends on the customer profile and HDFC doesn’t have any pre-set rule for the same.

      Reply
  3. Pulkit

    Hey,
    how can I apply for this credit card? I don’t see any option.

    Thanks,
    Pulkit

    Reply
    1. Siddharth Post author

      Pulkit,
      Its invite only card. You should ask your RM or visit branch.

      Reply
  4. manoj dharmarajan

    Dear Sidharth
    you have said that annual charges are waived off if u spend 8L per year. i couldn’t find any such link anywhere. could u list the link on your website ? right now, i hold a Regalia card although my spends per year are much more than the desired limit

    Reply
    1. Siddharth Post author

      Manoj,
      I can see that its not mentioned anywhere now. But i happen to see it earlier (an year back). maybe they’ve changed the policies now. Better to have a word with HDFC support for more info.

      Reply
  5. Arjun B

    Have you heard cases where this card is offered as a lifetime free card? I currently have a regalia card on which I have spent about 6 lacs in the last 8 months that I’ve had the card. Wanted to know if I can get a lifetime free upgrade.

    Reply
    1. Siddharth Post author

      Drop them an email and give it a try. If your income on IT and relationship value is good enough, they may issue infinia as LTF.

      Reply
  6. sj

    My relation ship manager said one need 25 lakh plus ITR for Infinia , I have 14lakh and he said he will try but not sure. Fees is only 10,000 and not 30K . what are other 2 -3 cards which offer free unlimited lounge access worldwide and to add on card too. Thanks

    Reply
    1. Siddharth Post author

      You can get easily with that IT if you’ve used the other card with HDFC for an yr or so. They either need your usage history or sky high IT.
      Citi Prestige has unlimited access as well.

      Reply
  7. srinivas sai

    I GOT ADD ON INFENIA CARD FOR MY WIFE. WE DO TRAVEL. A PRIORITY PASS CARD WILL BE REALLY HELPFUL. SHE DID NOT GET Priority Pass card WITH THE WELCOME KIT. SHOULD I APPLY FOR IT.

    Reply
    1. Siddharth Post author

      Yes, for Add-on Cards, you have to request priority pass Card separately over Infinia Helpline.

      Reply
  8. Sumit

    Finally I got invitation for infinia card after on after one year old regalia i got invitation call on my birthday date 2 August one thing I noticed that with hdfc bank that who use card very less like me they give more offers i got this card with only four years old credit history with hdfc bank and i have used only single card and one interesting thing I want to tell you i paid all of my credit card bill before the statement generated date and my use is on my regalia is only 1 to 5% of credit limit and while upgradation limit on my old card is 3 lakh and iam a farmer by occupation with no itr

    Reply
    1. Siddharth Post author

      Maybe they’re issuing as your 4 yr track record is good, also depends on how much balance you’re maintaining on your Savings A/c.

      Reply
  9. VK

    I tried hard to get Infinia card, however it has been rejected. I am an Imperia customer and holding Regalia from a very long time. My banking history is very good with very high balance maintained. Inspite of this, my request was rejected stating that take home salary should be 3.5 lakhs.

    Reply
  10. Tarun

    Hi Siddharth,

    Thanks for the awesome blog post. I am a super high spender. (2-3L spend a month). Which card should I opt for (Infinia or Regalia).

    Reply
  11. Sumit Kumar Verma

    Hey Siddharth….a very informative forum indeed!

    could you do an article on best credit cards for all categories please?

    thanks.

    Reply
  12. Gaurav

    Hi Sid,
    I already own an Amex Platinum Card.
    Want to go for another Card with a premium feel but a Master/Visa that is accepted everywhere.

    Which one shuld I go fr.. Spends on my new card will be ~2 LPA.. as I plan to limit my spends on AmEx to 4L.. for Maximum benefit seeking. Also, I splurge a lot o f money but dont like paying much for an Annual/Renewal Fee.
    Was considering Regelia.. Heard they are downgrading it.. Still worth it? Or something else?

    Reply
    1. Siddharth Post author

      Regalia is still good. You can also checkout Yesbank/SBI cards. And of course Infinia if you’re eligible.

      Reply
    2. Abhishek Roy

      AMEX Platinum is a top of the line charge card in India. It comes for a cool ₹50K/annum fees. I guess, you wanted to say AMEX Platinum Travel Card.

      Reply
  13. Manu Puri

    Hi Siddharth,
    Nice forum, I am a regalia holder i think since atleast 4 – 5 years. They have steadily increased limit to 6 lakhs which i presume is max for regalia. I want to upgrade to infinia but they say it is by invitation only. I am a heavy spender with good credit history with ITR of 13L. I feel there is not much clarity about eligibility especially after reading Sumit and VK’s case. It will be great if you can get exact information about eligibility criteria for infinia. Thanks.

    Reply
    1. Siddharth Post author

      Manu,
      Talk to your branch. Only they can take approval if they’re okay with your usage/limit etc.
      With this limit, you’ve more possibility to get Infinia. Good luck 🙂

      Reply
  14. Jay

    Since there is unlimited lounge access via priority pass do one gets the PP prestige/PP select or the normal one?

    Reply
    1. Siddharth Post author

      Its a normal one with unlimited access. Its like, HDFC buys a bulk amount of visits from PP and give away across multiple cards. PP don’t even know the limits/visits avail on your HDFC issued PP card.

      Here’s a response PP gave me when i asked the free visits left:
      According to the membership number you’ve provided, your Priority Pass card was issued to you by your bank or credit card. They issue their own Priority Pass cards and administer their own accounts so you will need to contact them directly for account information, charge information or material requests.

      Hope it helps 🙂

      Reply
  15. CK

    Are you aware if HDFC can issue the Infinia as a Secured Credit Card, since HDFC does offer secured credit cards already. I have three extremely high value (upwards of 50L+ each) in name of three of my family members (seperately, of course) & I would like to avail the HDFC Infinia against these FD’s with 70-80% of total FD amount…

    Reply
    1. Siddharth Post author

      Am unsure about it. However, this is very high value. If you can talk to Branch Manager, he can get it for you without even placing lien on your FD 🙂

      It all depends on how long you’ve been dealing with the bank.

      Reply
      1. CK

        Thanks for your answer brother. I’m in talks with the bank for this now, & I have no issues if they place a lien on the FD’s, in order to get me what I want 🙂

        Reply
  16. priyanshu

    Hello Sid!

    i just wanted to conform that Hdfc infinia card has a min limit of 10 L and there is no upper preset limit.
    my query to you is, in the infinia card ‘statment’, what is the Crdit Limit printed\shown?

    Reply
    1. Siddharth Post author

      Only Infinia Holders will know it. Anyways, some Infinia cards are also given with <10L limit 🙂

      Reply
  17. hemdeep singh

    I tried speaking with my RM today, and they mentioned that they need an ITR -> Taxable income of 36 lakhs to be eligible for Infinia, which I thought was absurd! Ive been holding a Regalia for 1.5 years, and an HDFC Classic banking customer for last 5 years. Not sure how do i negotiate with HDFC to get an Infinia card? Please help!

    Reply
  18. kk

    I got it as a Director of a company. My income was below 10L and Company’s income was above 1 Cr. We are HDFC Bank customer for more than 13 years.

    Reply
    1. Siddharth Post author

      Glad to see a Infinia holder here 🙂
      Yes, it should be possible because HDFC looks at the overall relationship with the bank.

      Reply
  19. Lalita

    Hey Siddharth,

    You said Infinia gives value of 3.3% but as per HDFC Reward Catalog.
    Lets take Shoppers Stop GV example, to get 500 Rs you need 930 point (Category G)
    for that one has to spend 27900 , then the value is coming as close to 1.79% instead of 3.3%.

    Am I mistaken somewhere in above calculation

    Reply
    1. Siddharth Post author

      HDFC points are best used when you redeem in respective portals,
      like in infinia portal in this case.
      Where, 1 Point = 1 Rupee (for comparison, 1 point in Allmiles = 0.25ps now )
      Catalog Redemption’s are poor yes.

      Reply
  20. Pradeep

    I have hdfc regalia with limit of 530000 .using it from last 3 yrs. Is there is any to get infinia.

    Reply
    1. Siddharth Post author

      Limit is good enough for the upgrade.
      They look into the usage too. Did u approach the branch?

      Reply
      1. Abhishek Roy

        A personal question out of curiosity. What is the credit limit on your Diners Black Card?

        Reply
  21. Lalita

    Thanks,
    I am finding American Express Gold Card best, Let me explain
    Amex Gold Benefit are Amazon GV 11000 for 24000 Points.
    for every 4 swipe of 1000 Rs you get 1000 point , so in a year you get 12000 easily.
    To get rest 12000, you have spend 6 Lacs Ruppess (AMEX Gold gives 2 per 100),
    So if you spend 6 Lac you get 11000 rs Amazon GV (There are other Gift but I am taking this as it give complete monetary value)

    So its ~ 2% per 100 Rupee spent as compared to Infinia where its lesser value in Catalog redemption.

    Reply
    1. Siddharth Post author

      Well, with Gold charge card, you can get statement credit which is the best option than vouchers.
      yes, i’ve explained this 2% value back on the respective Amex post.

      Only challenge is the acceptance though.

      Reply
  22. Lalita

    Yeah , I am using from 2011 in Bangalore and Amex getting better and better.
    I strongly advise AMEX Gold for anyone who ask for credit card.

    Reply
  23. Pramod

    I will be getting my Infinia card in few days so i was searching exact benefits of that my interest is more in Upgrade of my flights already Air india SBI card treated badly in this i transfered all my miles to Air india despite crossing Maharajah status miles barrier i was told i wont get any status well that was my mistake i should have asked before transfer of all my reward points anyways can anyone help me with exact Airmiles i will earn on annual spent of 20 lacs exact as in i mostly travel by Lufthansa , Emirates , Etihad and Turkish sometimes will this Infinia card gonna help me in that ? i have had Amex Platinum since decade along with hsbc platinum and SBI Air india none of them has ever gave me any kind of flying benefits but atleast Amex have been very very kind and they do pay attention towards every small thing customer ask back to help 🙂 i hope someone will guide me how to use this card for my travel .
    Thanks & Regards

    Reply
    1. Siddharth Post author

      Pramod,
      Use the card on 5x and 2x categories that HDFC is promoting these days. That will get you a lot of points which you can redeem for flights as revenue tickets.

      Btw, good to see yet another Infinia member here.
      Everyone would be interested to know your Infinia application process. Feel free to share the same 🙂

      Reply
  24. Sunil

    Hi Siddharth,

    I recently shifted my business to HDFC and I am being offered either the Infinia or the Diners Club Black. Which one would you recommend?

    Great job with the blog though. Hope to see more posts.

    Regards

    Reply
    1. Siddharth Post author

      Depends on your spend areas.
      I would recommend black if you travel/shop often to avail their 10X rewards.

      Reply
  25. priyanshu

    Hi Sid!

    Happy new year.

    I wanted to know why there is fuss about Infinia and difficulty getting it, when the Amex gold card is also having ‘NPSL’

    being the only difference between them that one is a credit card and other is a charge card.

    plz explain.

    Reply
    1. Siddharth Post author

      Infinia comes with a far higher limit & ongoing benefits compared to gold card 🙂

      Reply
  26. Abhishek Reddy

    Hi Siddharth,

    Post reading this comment, i asked my Dad (Classic account with Business dealings with HDFC) to apply for this upgrade.

    And HDFC BM told he will have his Ragalia upgraded to Infinia for Free of cost(anyway existing is free he informed).

    Also mine is upgraded to Regalia (first or plain – not sure, just got SMS)

    Without these posts i wouldnt have known all these details. I said lot of thanks, but once again thanks.

    Reply
    1. Siddharth Post author

      Congrats!
      Have a great time with Infinia & your Regalia 🙂

      Reply
  27. Deepak

    I am not sure how did you calculate 3.3% reward rate. Per their reward catalog, every point is normally worth of 0.5Rs (500 shoppers stop voucher for 960 points). So for 150Rs, you are getting 2.5 Rupee cash back. That means effectively 1.66% reward rate ?

    Reply
  28. Majumdar

    You really need to be loaded to get Infinia. You need a monthly post tax take home of Rs. 3.5 L. By contrast you can get DC Black at just Rs. 1.75 L take home.

    Regards

    Reply
  29. Hari

    Hi Siddarth,

    I have a Regalia card with Rs 600,000 /- limit. Have been using this for the past 2.5 yrs. I spoke to my RM regarding the upgrade. He says only people with ITR of 45 lakhs or more are eligible. I am getting all kinds of offers on netbanking like Jumbo Loan of 10 Lakhs, Insta Loan of 450000 etc except for the elusive upgrade to Infinia. My Regalia is due for renewal this September. Should I wait until September and see if they offer me this upgrade ? any suggestions ?

    Reply
    1. Siddharth Post author

      That’s a nice limit Hari.
      Talk directly to branch manager. If your other relationship value with the bank is decent, it will go through quite easily 🙂

      Reply
  30. Venkat

    HI Siddharth,
    I am not holding bank account with hdfc,but using hdfc credit card from the last 7 years and now holding regalia (holding from last 1 year)with 6Lakhs as limit.whenever ask for upgrade,they mention it is bank invite and I ask in bank they mention need to 30L + as salary.is it correct ?

    Reply
    1. Siddharth Post author

      With 6L limit, you’ve more possibility for infinia, if you have their other products like savings a/c.

      Reply
  31. pawan gupta

    Hi

    can i use my personal hdfc diner club black card for my private limited company purchase ? and make the payment of my card from the company account
    ?

    Reply
    1. Siddharth Post author

      That highly depends on how you file your ITR, talk to your Auditor 🙂

      Reply
  32. priyanshu

    Its confirtmed HDFC is not considering existing card limit for upgrade to Infinia.

    The HDFC BM said the requirement of 3.5 lacs/pm income, is mandatory.

    He said that this criteria is in place so that the exclusivility of the card is maintained.

    Reply
    1. Siddharth Post author

      Criteria is indeed very strict, though, they’ll consider your limits, spends and relationship value.

      Reply
  33. Xavier

    How does hdfc infinia compare with Citibank prestige? With regard to overall rewards, global acceptance and best return for money.

    Reply
    1. Siddharth Post author

      It depends on what kind of redemption you prefer. Citi Prestige is mainly for ppl playing the Points and miles game.

      Reply
  34. Madhur gurbani

    Dear Siddharth ,
    Can I issue infania as a corporate card on my business itr which is 50L+

    Reply
    1. Siddharth Post author

      Proprietor Business? if so, you’ve a chance.
      Else, its a completely new entity as it comes with a different PAN.

      Reply
    1. Siddharth Post author

      Then you might get a chance if the said current a/c is with HDFC, which means more relationship value.

      Reply

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