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: 10/10

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.

32 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
  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

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