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:
Well, 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.