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 super premium credit card in India that every credit card enthusiast would dream of. The reason is its infinite capabilities in almost everything it offers from lounge access to golf courses. 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. I’ve heard people holding it at 7Lakh limit though. 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 will be increased if deemed reasonable by looking into your past records.

Love EMI’s? 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, also 5x added recently. That’s equivalent to Rs.6,600 in savings for every 1Lakh spends.

  • Default Reward Rate: 3.3%
  • Accelerated Reward Rate: 6.6% (2X on Dining/airvistara/hdfcbankinfinia)
  • Accelerated Reward Rate: 16.5% (5X with limited merchants)

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 few 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 Lounges, you have access to complimentary food, wifi, coffee, posh interiors, etc.

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

Foreign Travel is more Rewarding:

  • Foreign Currency Markup Fee: 2%+tax
  • Reward Rate: 3.3%
  • Net Gains: 1%

It has 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 credit card for international travel you can ever have.

Faster Customer Support & Personal Concierge service:

Connect faster with Dedicated Infinia Phone Banker who can help you get things done. They’re bit knowledgeable too. Their personal Concierge service can save you a lot of headache with your travel planning. All you need to do is just call up, say what you want and they’ll find the best deal for you. Be it limousine transfer or taxi or hotel or whatever.

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, however, interests will be applicable.

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 at a very low joining fee. 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 HDFC Diners Jet credit card as you get 5 JP miles for every 100.rs spent. Whereas in Infinia, you can get only ~3.3 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 a lot, with their limited partners. 10X promo is god send and it beats Infinia just for that reason.

Note: Diners credit cards does have acceptance issues, especially out of India.

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, especially for Priority Pass. 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.

How to get Approved for Infinia Credit Card?

That’s a million $ question, though, after knowing about some of the Infinia cardholders for a while, i can say: its not a child’s game. Most HDFC Premium credit cards are issued/upgraded based on the credit limit, but Infinia needs more that just limit. You need 45L ITR to get fresh card, however, for upgrade, this is the expectation:

  • Relationship value more than “Imperia”
  • Decent ITR: ~20L range may help
  • Very High spends on existing card
  • Maximum exposure to other HDFC products preferably loans, current a/c, OD, policies etc.

In other words, you need to be a real High Net-worth Individual (as per your ITR), or, should have given lots of profits to the bank in the past to get approved for Infinia. So wondering why the rules are so strict? Well, what if you swipe your lovely Priority pass 50 times a year? Who pays for it? Its surprisingly YOU 🙂

They give back what they have earned from your past relationship with the bank – those profits they made on loans, insurance policies, etc. Still confused as where to start? Drop your comments below, or Catch me on call, i can come up with a bespoke solution based on your financial situation to help you get one. Check out my Consultation page.

138 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
      1. RInku

        Hi
        I’m eligible to take Infinia or Diner black. My major spends are shopping and air tickets. IS Diner black better than Infinia

        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
      1. Ebin Johnson

        Iam a AMEX GOLD card user. Joining fee was Rs 1000+ST. In one year, the benefits I got are,

        1) Rs 10000 statement credit for achieving 24000 MR points. This I did with so ease
        a) 5000 MR joining points
        b) 12000 on spending card 4 times (Rs 10000 plus)
        c) 1000 points for a standing instruction + 2000 points for supplementary card+other regular spends
        2) Got Rs 20000 Tanishq voucher for spending 2 lakhs in a month
        3) Got Rs 15000 Taj vouchers
        4) Saved Rs 1000 plus with 3% fuel cash back
        On top of all, the priceless customer care

        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
  35. Nikhil A

    Hey Sid,

    I have Axis Bank Visa Signature Credit Card since 2013 with good credit history, limit 1.9L. Recently acquired Regalia Business, limit 3L and an SBI Elite, limit 1L. Spends are usually 50K per month avg. Should I try hard to get Infinia or do you think I can make good with the above ?

    Reply
  36. Somansu

    Hi Siddarth!
    Nice expert reviews. I have a question about HDFC Infinia card for you. Is it issued to both Resident Indian and Non resident Indian. I was informed by HDFC that only Regalia is for NRIs.
    Thanks in advance for your feedback.

    Reply
    1. Siddharth Post author

      Am not sure about this. Though, i don’t see any reason to differentiate as long as you’ve good Relationship with Bank.

      Reply
      1. SriKrsna

        I see from the HDFC website that Regalia Visa Signature variant is being issued to Non-Residents as NR Regalia (so Regalia comes as Regular Regalia, Business Regalia and NR Regalia) which seems to require a NRO account with HDFC. The card bill also needs to be settled by the linked NRO account.

        Reply
        1. Siddharth Post author

          I see, there is also another one, Doctor’s Regalia. 😀

          Reply
  37. Nitin

    Being offered both Infinia and Citi Prestige. My annual spend is 20L mostly corporate travel. Suggestion which one should I use? It seems Infinia has better reward returns?

    Reply
      1. NITIN

        There is 20K fee for Citi and 10K for HDFC. Is there a benefit of getting both?

        Reply
        1. NITIN

          My spend is half flights and remain in hotel etc. As I understand Infinia will give 3.3% to 6.6℅ return where as Prestige will give only max of 3%. All other benefits seems quite same.

          Reply
          1. Siddharth Post author

            Citi is known for its Hotel Transfer partners and Prestige is known for the Limo benefit. If you don’t need these, then Infinia would do.

  38. Majumdar

    Nitin,

    It is not just 3.3 -6.6%. You also get 5X with many merchants incl MMT. But if you need limo drops etc you canconsider Prestige as Sid says.

    Regards

    Reply
  39. Ashish

    Hi Sid,

    Currently i am holding Regalia with 4L limit (LTF) for past 1 year and HDFC credit card account for almost 8 years. Also, i am classic customer have saving a/c for almost 5 years. am I eligible for infinia? and what approach should i take to apply.

    Reply
    1. Siddharth Post author

      Its quite tough. You need Imperia range of relationship to get Infinia.

      Reply
  40. Kaushik

    Hi Siddharth,

    I currently am a preferred account holder with HDFc but am eligible for Imperia Banking as well. However the branch i have my account in does not offer imperia accounts. Therefore i will have to transfer my account to another branch in order to get my account converted to Imperia.

    I currently have a Diners Club Premium card which is LTF. Should i transfer my account and get it coverted to Imperia ?
    Will i be getting any extra benefits on that ?
    Though my current income doesn’t qualify for Infinia but will converting to a Imperia account make me eligible for a Infinia (LTF) ?

    Reply
    1. Siddharth Post author

      Kaushik,
      You can certainly get Diners Black with Imperia but Infinia is a hit or miss.
      As i mentioned in the article, Imperia will help to certain extent, but you also need other to be strong in other aspects as i mentioned in the article.

      Reply
    2. Malavkumar Patel

      You don’t have to transfer all your accounts to another branch just because you want imperia upgrade, Talk to the branch with has imperia program and they will remove preferred relationship manager and assign Imperia relationship manager, You will have bank accounts in your existing branch only but your imperia rm will be in new branch. I did the same so i know for sure.
      P.S your preferred RM will not tell you this because he will loose you as a customer so talk directly to imperia RM.

      Reply
  41. MANOJ DHARMARAJAN

    Siddharth
    i have just been upgraded to Infinia. I do not have a salary of 40 lakhs and instead my gross annual income is Rs. 26 lakhs. if you would like to know the reasons for the upgradation, i guess the following could come in handy for anyone looking for Infinia. i have been a customer of HDFC Bank for nearly 17 years. i have also spent more than Rs. 12 lakhs with my Regalia during the current financial year. Besides, i work for the central government. my branch manager was of the view that Rs. 26 lakhs in govt is worth more than Rs. 50 lakhs in private sector( govt has no concept of CTC and instead every reimbursement other than salary is on actuals). btw, the limit that they have given on my Infinia is only Rs. 8 lakh. so i guess you were right on the money when you said that its the relationship that matters and not just the salary. Take heart, everyone !

    Reply
    1. Siddharth Post author

      Manoj,
      Congrats on Infinia!
      Yes, it does go in line with the pattern that i’ve seen with other Infinia card holders 🙂

      Thank you very much for sharing your experience.

      Reply
  42. Malavkumar Patel

    Here is a useful information on how to get HDFC Bank’s INFINIA CREDIT CARD.
    I inquired about Infinia Credit Card while i was HDFC Bank’s preferred customer and my Preferred Relationship Manager said that I need 40Lacks ITR and there is no way around it, If i have lower ITR like 30 to 35Lacks then they maybe able to push for approval but there is no guarantee,
    But I was recently upgraded to HDFC BANK’S IMPERIA PROGRAM, and i was assigned new IMPERIA RELATIONSHIP MANAGER, so i inquired again about INFINIA CREDIT CARD, and they said i need 21lacks ITR, But i has only 15lacks ITR so they offered me this card against FIXED DEPOSITE of 6 LACKS, 15LACKS ITR + 6LACKS FIXED DEPOSITE = 21LACKS, That is how they explained to me,
    I have already completed documentation and awaiting for CREDIT CARD.

    Reply
    1. Siddharth Post author

      True with the said points.
      Also, Interesting about the FD thing. Did they mark a lien on the card?

      Reply
      1. Malavkumar Patel

        Since they issued this card against FD, I can not widraw this FD aslong as i hold this card, I have to surrender this card then only can i widraw FD.

        Reply
        1. Siddharth Post author

          Got it!
          Do keep us posted about your experience once you receive it 🙂

          Reply
          1. Malavkumar Patel

            Just received my Infinia Card, I didn’t have to cancel my regalia to get Infinia, Regalia gets canceled automatically when i got Infinia. My regalia was lifetime free this is not even tough its gives as an upgrade, anual fee of 10000 is charged but in return i get 10000 rewards so its practically free.

          2. Siddharth Post author

            Congrats!
            Thanks for sharing your experience with Infinia, especially the Imperia RM without change of branch part is very useful.

            A quick qn, your regalia was non-FD based card,
            and now you’ve got Infinia based on FD, likely @ 80% of the FD amount,
            or, was it Regalia old limit+FD amount?

  43. Mahesh

    congrats Malav kumar for the INFINIA.

    I just wanted to ask you,how is the procedure to get upgraded to IMPERIA? especially in your case.thanks

    Reply
    1. Malavkumar Patel

      I am from Ahmadabad so i will share my experience about HDFC Bank Ahmadabad,
      In Ahmadabad, only 4 HDFC bank branches have imperia Banking facility, other branches are preferred branches only, so if you have account in any of the imperia branch then only will you get your upgrade, otherwise its tough,
      My account was in non imperia branch so i was stuck with preferred account, i asked for upgrade to imperia but they never gave me straight answer, but one fine day i learned from hdfc bank’s ex employee that preferred branch couldn’t give me upgrade to imperia even if they want to because they don’t have imperia RM, and if they change my RM to imperia branch(without transferring my account to imperia branch) then i would get imperia upgrade, so i went to imperia branch and talked to Imperia RM and he asked my Preferred RM about my wish to change RM and i was assigned new RM with imperia upgrade, Preferred RM was bit hesitant about letting me go as a client because RM’s usually get incentives from the products they sell to us(life insurance, car insurance, demate accounts), but i stood my ground and i got upgrade,
      PS, you have to meet eligibility criteria for imperia upgrade which are as below

      Maintain a minimum Average Monthly Balance of Rs.30 Lakhs across all your Savings and Fixed Deposit* accounts.
      OR
      Maintain an Average Quarterly Balance of Rs.10 Lakhs in your Savings account. OR
      Maintain an Average Quarterly Balance of Rs.15 Lakhs in your Current account

      Reply
  44. Malavkumar Patel

    I hold good relation with HDFC Bank’s ex employee because i bought lot of life insurances and opened many accounts for my family members, so we keep in touch even though he left a job at HDFC Bank, I will share what he told me, This is all insider information, and this may help you get Premium Credit Card with HDFC Bank,
    Each HDFC Bank Branch has one credit card guy who will sell you credit card, one Life insurance guy who will sell you life insurance and all other employees like branch managers and backup branch managers and Relationship managers and Cashier, and receptionist etc, so every branch manager reports to Cluster Manager, what it means is if there are 20 branches in Bandra, mumbai then all those branch managers report to Cluster manager,
    In the same manner every branch’s credit card guy has Superior, So if you live in Bandra, Mumbai then your branch will have credit card guy who reports to someone who is not Branch Manager, but we can call him credit card cluster manager, so when we make special credit card request for odd upgrades like regalia to infinia or floater card etc then those requests get sent to HDFC Credit Card Cluster Managers, some cluster managers are quiet relaxed about rules and some are not so one person on this blog may have obtained upgrade or shared limit credit card while other person’s request might be rejected, so if your request seems to get rejected then try to move your account to another branch that’s at some distance from your old branch then make new request and u may have it approved, my infinia card was approved after moving my relationship manager from Memnagar, Ahmedabad to Thaltej, Ahmedabad, All requests are not sent to chennai for process and some are processed at you city only.

    Reply
    1. Siddharth Post author

      Thanks for sharing in depth info on approval process. Little correction on the last part. All decisions are made at chennai only, but the said “cluster manager” or the regional manager or the credit card manager, say for Mumbai, has the ability to recommend you on their own risk to Chennai guys to approve it. And when such requests come, chennai gas can’t reject it unless there is a credit limit/CIBIL issue. Its like, chennai guys are like President and the branch/regional managers are like Prime Minister 🙂

      But matter of fact is, these guys don’t recommend your request easily unless or unless you got enough relationship with bank. In your case, its FD linked card and hence there is no reason for anyone to reject it as there is ZERO risk.

      Reply
  45. Malavkumar Patel

    They gave me 8 lacks credit limit on Infinia Card,
    My regalia had 8 lacks credit limit before i got upgrade, and i have 70 lacks in fixed deposit with hdfc bank, 20lacks FDs X 3 and one FD with 10Lack, so I got infinia credit card against 10 Lacks FD,
    so it could be my old credit limit of 8 lacks or it could be 80% if 10 lacks which is 8 Lacks, Tough to tell,
    But one thing they told me is my credit limit will not increase based on spending because this card is against FD, but i am not worried because i don’t spend 8 lacks in one month.

    PS, Before i came to know of your website, i Thought i had the best rewarding credit card (REGALIA), and my only credit card but your website has helped me a lot, After i started reading your website, i applied for three more credit cards, If you allow then I would also love to share my journey about how i got regalia card and how my credit limit increased from 2,25,000 to 8,00,000 in two years with detailed spending pattern and and time between each credit limit increase and amount spent between two credit limit increases.

    Reply
    1. Siddharth Post author

      Glad that i was able to help 🙂

      Sure, i’ll drop you an email shortly, we may put it as a separate article.

      Reply
    2. Vineet

      Good Info.. thanks for sharing…..I didnt get Inifinia… so finally ended up in Yes Exclusive LTF….

      Reply
  46. Urluck

    Dear Mr. Malav, thanks for sharing.

    I am in Ahmedabad and eligible for imperia at my Vejalpur branch. But what is the advantage except zero locker rent ?
    As per there website they charge Rs 100 plus tax every quarter programme fees same as preferred programme. It was waived off / revered last year after after written request.
    Even after imperia member, no guarantee to get Infinia credit card. – LTF.

    Reply
    1. Malavkumar Patel

      Imperia program does not guarantee to get Infinia Credit Card but It certainly does help, Imperia RM usually has more authority then Preferred RM and he is usually more knowledgeable,
      While I pay for 100rs + tax every quarter as program management fee for being imperia customer but you get lot more value in return, I will explain below.
      100+tax=115*4=460
      so I pay 460 rs every year for just being in Imperia program every year,
      i get RENT FREE LOCKER for life as long as i am part of imperia program, I have the largest locker which my HDFC BANK branch provides, Locker rent is 15,000+tax every year and i get it for free, so 15000 saving against giving 460rs as program management fee, some branches also have locker that is huge and rent is 40,000 and its also free for imperia customer,
      I also have demate account with hdfc bank, they charge 800rs or so for opening it but i got it for 499 rs so 300 rs saving there, yearly rent for demate account is 750 rs but its lifetime free for me,
      they also charge 15rs every quarter for messegs received on mobile for account transaction like cash deposits and withdrawals etc and that is also free for me so 60 per year saving there
      they also charge for international debit card but its free for me, premium debit card like platinum card cost 750 rs per year and i have it for free, there are no free debit cards with hdfc bank, they charge minimum 150 rs for debit card for non premium customers,
      they also charge 200rs or so to replace debit card if you loose it or damage it but its free for me,
      they charge 500rs to issue Forex Multi-currency Card but i got it for 250 rs because i am travelling to USA and it may help,
      I also get preferential rate of intrest for all types of loans like car loan or home loan etc,
      AND MOST IMPORTANT IS, IF YOU ARE HDFC BANK’S CLASSIC PREFERRED OR IMPERIA CUSTOMER AND YOU SPEND ON YOUR CREDIT CARD ON WEEKENDS THEN YOU GET DOUBLE REWAR POINTS, SO MORE SAVINGS THERE(this scheme ended on 31st march but they may come up with new scheme in future)
      SO your total saving is
      40,000 for largest locker rent
      750 for premium debit card
      60 for sms alerts
      750 anual demate charges
      250 forex card
      800 demate opening charge
      200 for debit card replacement
      So your total saving is 42,810, Now you tell me weather its worth it or not.

      Reply
      1. urluck

        Thanks Mr Malav for in detail IMPERIA programme. It is the highest premium account at HDFC bank.
        As a preferred customer I am getting all this benefits except locker rent ( I have to pay 50% rent ).

        My programme management fees were waived off last year , so I am saving Rs. 460 also on this. You can try to get is waived off by calling and writing to your RM.

        Mr Malav, your Infinia card is life time free – same as Regalia ??

        Reply
  47. Mahesh

    Thanks Malav for sharing ur experience regarding IMPERIA n INFINIA.

    Reply
  48. urluck

    Its nice to learn all internal process at HDFC bank cards.
    Mr Malav, your Infinia card is life time free – same as Regalia ??

    Reply
    1. Malavkumar Patel

      No it is not life time free, It has anual fee of 10,000 rs per year but in return i get 10,000 reward points worth 10,000 rs so its practically free.

      Reply
      1. suresh

        Hi, you may need to pay 18% GST tax around 1800rs for 10000rs annual fee.

        Reply
  49. urluck

    So this 10000 rewards points, we can redeem for credit card bill payment ? Or we need to purchase some other things like flight or anything from catalogue ??

    Reply
    1. Malavkumar Patel

      You can use 10,000 reward points to purchase thing from reward catalogue, recharge mobile and dth, book flight and hotel etc, but its best used and valued when used for hotel booking or flight booking and dth and mobile recharges.

      Reply
  50. Ananth

    I have a Housing Loan with HDFC and will fall in to their definition of HNI, will I be eligible for infinia card?

    Reply
    1. Siddharth Post author

      Just housing loan won’t help. Depends on lot other factors. Talk to your RM.

      Reply
  51. Prasoon

    How is infinia better than hdfc diners black. I am planning to go for diners black (even though I am eligible for infinia)?
    Can you please assist?

    Reply
    1. Siddharth Post author

      Infinia should fine as they’ve recently added 10X to all cards on smartly spends.

      Reply
      1. Prasoon

        Thanks Siddharth

        Is infinia like a pure superset of diners black then?
        If not in what terms is it better? I have heard plenty about the features in diners black as far as lifestyle is concerned i.e 10x reward points, bookmyshow offers unlimited, unlimited lounge access, can use it for uber, Amazon etc.
        Do we enjoy the same privileges if we hold infinia?

        Reply
        1. Siddharth Post author

          If you’re more of a person who needs 10X benefits, go for Black. Else, if you’re happy with unlimited PP and limited 10X benefits, Go for Infinia.

          Reply
          1. Prasoon

            Thanks Siddharth. Will go for Diners black then.
            Will upgrade to infinia if I get a better offer there.

    2. Ankur Mittal

      I have recently upgraded from Diners Black to Infinia, mainly because the conversion rate in infinia is much better than Diners Black. Diners Black charges like almost 1 re more for each USD when compared to infinia.

      Reply
  52. Prashant Gupta

    I dont find any difference between the 2 except the 10X points offer in Diners Black. So diners black is better till the offer.

    Reply
  53. Yazi

    I see other blogs that hardly update content but you update regular and best part take time to reply to every comment here that users put, much appreciated mate great quality content with outstanding support. I took your consulting and after 3 months I drop an email with some query and you answer that in no time which is really sweet.

    Keep up the great content
    Cheers

    Reply
    1. Siddharth Post author

      Thanks for your kind words Yazi. Stay tuned!

      Reply
  54. Sonu M

    Does HDFC Infinia gives 5X points for fuel purchase at gas stations ?

    Reply
  55. Vikram

    Okay, latest update regarding upgrading to Infinia. I hold a Diners Black from HDFC. Spoke to the relationship manager and inquired about an upgrade to Infinia. He said that was possible only if I had such an offer on my card. It wasn’t there on my card and I asked for alternates. He said that for salaried personnel the monthly income must be 4L and for self employed an ITR showing at least 40L.

    Reply
  56. Raman

    Hi Sidharth
    I am NRE and holding a Regalia card. I don’t use the card much, however, I enquired about the Infinia card, and I wan told that I should have one of my FDs lien marked for 12 Lacs. I will check with my RM if there is an initial fee for the first year or not. But if they charge me 10K, then how do I get back that money (in terms of other benefits?)

    Reply
    1. Siddharth Post author

      You can use the points for flights.

      But first of all, 12L on FD is not a right choice to park your money unless you plan to use Priority pass to the tune of 100 visits or so a year. I’ll write a detailed article on this in sometime.

      Reply
  57. Avishek

    Hi Sidharth,

    HDFC want me to change my resident Regalia to NR Infinia but with INR 8 lac FD lien. My annual spend is approx. INR 12 lac. Shall I opt for it or go with SBI Prime / SBI Elite?

    I feel SBI Prime’s reward points for insurance payments is 5% and my annual payment for insurance is around INR 10 lac. Another benefit I see with SBI Prime is I can pay dues using reward points which is not possible in Infinia.

    Please suggest.

    Reply

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