Hands on Experience with HDFC Bank Infinia Credit Card

By | May 3, 2019

Ever since I got into the world of credit cards, i have always been looking to get HDFC Bank’s Infinia Credit Card, which used to be the only best super premium credit card in India by then.

While we now have good alternatives like Standard Chartered Ultimate, Citi Prestige and even more based on one’s needs, Infinia still holds the exclusivity and is one of the best credit cards out there for few reasons: 2X on dining, flexible limit & other merchant offers from time to time.

Note: If you’re new here & looking for features & benefits of Infinia, please check the previous thread with updated content here: HDFC Infinia Credit Card Review

HDFC Bank Infinia Credit Card

HDFC Bank Infinia Credit Card

My Journey to Infinia

Starting with the Business Platinum card, it took quite a time to reach Infinia. My initial idea was to upgrade from Regalia to Infinia but I got a crush on Jet cards in midway and so I went with Jet World/Signature with a plan to get HDFC Diners Jet to speed up my way to Jet Plat.

But then I realised that I’ve too much of JPMiles to handle already, so I felt there isn’t a need for Diners Jet at that point of time (anyway its not even a topic now). So was the idea of having Infinia.

Getting Approved for Infinia

Infinia applications are usually processed via RM/BM from Branch level. My first request was denied few years back even after approvals from various higher levels. They did have valid reasons though.

Since then, i’ve increased the spends & relationship with bank multi-folds over the years, which certainly helped my way through Infinia.

I got it as FYF (First Year Free) & annual fee will be waived on 8L Spend, else 10k fee applicable with 10k points benefit.

HDFC Infinia Unboxing

The Box: Infinia came in a gorgeous box! Its more like Yes First Exclusive Credit Card box but in the landscape mode.

Contents: Primary Credit Card, Add-on Credit Card & a Priority Pass for Primary Card

PP for Add-on was delivered separately (without raising any request) after a week. Interesting part is, both PP cards of Primary & Add-On’s have same number.

The Design: The card looks neat & cool with numbers in gold colour, like in the Diners Clubmiles card. I’ve tried to snap it in different background to give you an idea of how it looks. Here you go,

HDFC Infinia – Box Cover

HDFC Infinia – Box

HDFC Infinia Credit Card

HDFC Bank Infinia – Visa Infinite Credit Card

Credit Limit

I didn’t ask for a limit enhancement with it so it was the same limit, but good part is there won’t be any “over limit fee” even if I by any chance exceed my limit, upto a “buffer limit”.

A Buffer Limit is a limit beyond your assigned Credit limit that exists on all credit cards and is usually in the range of 10% of your Credit Limit. Sometimes you may-not have buffer limit too, its totally dynamic.

With Infinia, if you cross the buffer limit too, then they do provide temporary limit enhancement usually upto ~2x of the limit (on request, subject to approval) for 10 days by looking into the linked accounts & card history. Ideally, you don’t need to chase limits when it comes to Infinia.

What could make Infinia better?

Maybe they could send some gifts/gift vouchers with the card, for example, SBI sent me a personalised cardholder with SBI Signature (old) & a personalised boarding pass/credit card holder + upgrade voucher with SBI Air India Signature.

This wouldn’t cost bank much, but it definitely throws some smile on customer’s face. American express does this in USA for its Amex Platinum cardholders from time to time. Anyway, Amex is not doing it in India even after charging a high annual fee.

These are some of the memories that cardholders wouldn’t definitely forget, thereby increasing the Brand recall & free word of mouth marketing, just as i did now.

My Experience

2X Dining Benefit: I was dining out often for a month or so just because of this card but now I’ve reduced it as I shifted my dining spends to: Zomato & Swiggy. Thanks to sweet ~40% Off!

Remember, you get 2X Points even on international dining. I used it during my last trip to Vietnam and it works pretty well. On top of all these, the big 10X benefit is of-course quite useful too.

Vistara Gold: I got the Vistara Gold with Upgrade Vouchers with this card before it went away, so I’ve few Vistara Business Class trips to do this year. Anyway, You now get Club Marriott.

Customer Care: The support line is pretty good and no issue there. I don’t usually get a reason to call them anyway, except about the fulfilment of the Diwali 10X benefit sometime back.

Note: It was NOT a contactless card by then. I’ve put a request now for contactless card and its on the way.

Final Thoughts

That all being said, it was quite a ride towards Infinia. Its been couple of months since I got the card and I’ve been using it for Dining & International spends very well, apart from other regular spends.

What’s your take on HDFC Bank’s Infinia credit card at its current position? Feel free to share your views in the comments below. 

163 thoughts on “Hands on Experience with HDFC Bank Infinia Credit Card

  1. Shail J

    Sid,
    Could you throw tips around how to get hold of Infinia? What should be the spend like, limit on the existing HDFC card to help get there etc.
    I hold a DCB with 7L limit. Got it in Feb. Since Feb I have already made spends of about 5L on it.

    Reply
    1. Siddharth Post author

      If you go by the limit, >8L helps
      Do check out comments from other Infinia holders on main review thread. There is no single way, as HDFC looks at each profile differently.

      Reply
    2. MT

      i got mine by arm twisting the RM , i used to hold Business regalia before Infinia , an ITR >18L helps in pushing the application , but mostly its the determination/motivation of the RM to get things done for you…a few tips about their concierge/customer care , they are more knowledgeable than the average customer care executive , but they couldnt get a simple refund of 2400 rs deposit they charged me over and above the 2400 for a car i booked via the concierge (avis is their partner) , 10x points are usually posted on 2nd day after the billng cycle though now in the past 2 months i have been facing problems (non of the bonus points credited, but the 2x points on insurance were immediately credited)

      lounge access , be free and keep swiping the PP even for domestic lounges , i havent been charged yet , guest charges are $32+GST now .

      if you cross 8 Lakhs spend , they dont even charge you the fee ( usually fee is charged and then reversed , not here , 1 year plus of holding the card , not charged even once)

      Reply
    3. Amar

      Siddharth ,

      Hi.
      Thanks for the detailed list of benefits.

      Just wanted to make sure that the lounge access is unlimited for international use.

      Have a regalia card for almost 3 years+ which is free for life with a very good credit limit and now have been offered a infinia card (not clear if it will be charged or will be free for life).

      Very happy with the regalia card and the only issue is just 6 international lounge visits per year. My current travel requires at least 20-24 visits to lounges in a year.

      My current Regalia card has 12 domestic and 6 international per calendar year . For domestic lounge access i have other cards which are good.

      Thanks in advance. Warm regards,
      Amar

      Reply
  2. Abhi

    WoW Sid, congrat ! First AmEx Plat Charge and few days later Infinia. You are on a roll 🙂

    Reply
  3. SH

    Congrats Sid. Will love to know more about how you are using the card.

    Reply
    1. Siddharth Post author

      Updated the content a bit on that now 🙂

      Reply
  4. Praveen Perumalla

    Congratulations, Sid. Yet another super premium card.

    Citi Prestige is probably one left now to get hands-on and I hope you get it too.

    Reply
      1. Rajeev

        Siddharth,

        In my view, Citi Prestige is not as good as Infinia, any particular reason why you would go for Citi Prestige? Prestige’s reward rate can’t match Infinia even if someone has a Citigold relationship if we consider 10X on Infinia.

        Reply
        1. MT

          Citi Prestige and Amex Plat is a slightly different ballgame , there you need to maximize value per point , anything at or above Rs 1 / point you get is more rewarding than infinia ( yes the 10x smartbuy offer is unbeatable upto Rs. 83,333/- per month) , then they have extra perks for the extra price they charge…siddharth in his 25 best cards blog also mentions that you should only get into citi prestige/amex plat if you know how to maximize on the points game rather than a flat reward rate

          Reply
          1. Rajeev

            Hi MT,

            Thanks a lot for sharing this, I know Citi Prestige and Amex Platinum is a slightly different ballgame. Amex Platinum is a charge card so it is definitely a different product and if someone has a lot of hotels stays that to in super premium hotel (5 and 7 star) only then benefits from Amex Platinum can be maximized. Amex Platinum was never on my radar.

            I had Citi Prestige and preferred to cancel it after having Standard Chartered’s Ultimate and HDFC’s Diners Club Black. No prize for making a guess that now I am eyeing Infina. I had done my maths and arrived that in no way I can match the 10X of DCB and Infinia even if I have a Citigold relationship. As per my understanding, the Citi Prestige can’t match even Standard Chartered’s Ultimate if you do not have Citigold relationship. One reward point per INR 100 spent cannot match a reward rate of 3.3% no condition attached unless someone finds a way where each prestige reward point is worth more than INR 3.33.

            MT, request you to explain how to maximize the value from Citi Prestige which is better than 3.33% of Ultimate, Diners Club Black and Infinia without a Citigold relationship.

          2. MT

            Hey Rajeev,

            Sorry bro , i am not much help to you this time , i myself am Infinia+SCB ultimate subscriber…citi has rejected my application 3 times ( last being the paytm card) citing bank internal reasons not willing to divulge the actual reason

  5. Mohit Jain

    Your recent article on Infinia has made me curious to get one. I have two questions

    1) If you are part of ‘HDFC Preferred’ Program , do you automatically qualify for LTF Infinia card. (My Current Regalia and platinum debit card is LTF till I am part of this program).
    2) Regarding reward points , its mentioned on the website ” Earn 5 Reward Points* for every Rs. 150 spent on your HDFC Bank Infinia Credit Card, with no conditions attached”. We will accumulate points on paying utilities bills like electricity bills etc. ?

    Thanks

    Reply
    1. Siddharth Post author

      1. Depends on multiple factors. Pls check main review
      2. Depends on where you pay bills. You need to verify by testing, maybe on any HDFC card.
      Note: If you do high volume utiity/eb bills, you may still get points, but HDFC may revoke anytime if they wish.
      Someone I know lost few lakhs points that way 😐

      Reply
      1. Mohit Jain

        I just called the dedicated Infinia Helpline and they confirmed that except for Fuel charges and online wallet reloads , all charges accrue points. I specifically asked for electricity charges and he mentioned that as long as it’s done on the merchant website directly and not via wallet like PayTm then it should be good for points.

        Reply
    2. MT

      no points on utility , fuel , insurance (limited points) , no points on wallet recharges ( its across the board for HDFC cards)

      Reply
      1. Yash Dabriwal

        Is there a card you recommend for utility bills ?

        Reply
          1. jagath

            @shivi.if my elerricity bill is abt 2lakh per month,sbi prime will give me 5% cash back?

  6. Satish Kumar Agarwal

    Congratulations Sid.
    So, you must have surrendered DCB or dual card!!!

    Reply
  7. Satish Kumar Agarwal

    Sorry. I didn’t read the article correctly. You already have dual cards. Now I got it.
    Amazing. Both DCB & Infinia. Very rare phenomena.

    Reply
    1. Siddharth Post author

      With time, limit & patience, its possible 🙂

      Reply
  8. Sahil

    Welcome to the club! I would love to hear about how it is living with this card and Amex Plat Charge Card is. I did that for two years and realised what a waste the Amex. While you think there are many “lifestyle” benefits, I have always found using my Infinia for business class tickets and high end hotels a much better/cheaper option thanks to the 10x offers. Upgrades on hotels with Amex are “subject to availability” hence you cannot calculate such intangible ambiguous benefits.

    Reply
    1. Siddharth Post author

      Majority of cardholders can’t find value in Amex Plat Charge for various reasons. Yet, it’s still worth it. I’ll do comparison sometime soon.

      Reply
      1. ccgeek

        Hi Sid,

        I do see your point here. But really the Amex Plat concierge leaves so much to be desired. the card will pay for itself if you use it smartly but having an excellent concierge will take it right up there! I have the DCB,Prestige and Plat charge

        Reply
  9. Lordsom

    Cool!
    Are you in possession of DCB + Infinia now? If yes, has HDFC opened up on issuing two super premiums?

    Reply
    1. Siddharth Post author

      They neither opened, nor closed. They always issue dual cards case to case. Maybe as many are asking for dual cards, its made bit strict.

      Reply
      1. Lordsom

        Whoa… Wasn’t aware of this as they had shoved the door when I had Regalia and had applied for DCB in 2016. They had upgraded me instead quoting the one card policy.

        Since I’m an Imperia customer now I should ask for Infinia separately!

        Reply
    2. MT

      i got a polite “No” after asking for DCB while having Infinia in hand , they said they have stopped the practice…however Sid , if you still are holding both , you are a lucky guy

      Reply
      1. Nihar

        The trick is to upgrade from Regalia or Regalia First to DCB with 5L+ limit , use it handsomely, wait for 6 months to 1 yr rollover; share high ITR atleast 14-18 L , improve the deposits in your HDFC . Make some international spends on DCB , and convince the RM to upgrade to Infinia due to low acceptance of DCB abroad .
        It can work out, not to mention the prerequisites of high Cibil, before due date repayments on Cards and multiple product relationships with HDFC with Good vintage.

        Reply
  10. Prashant Gupta

    Congrats for getting the card.
    I am still chasing it. I have 2 DCB in the family now. As i dont have any account with HDFC so dont know any RM. Customer care always says go to the branch and check out. I have almost spent double my limit in last 1 year. Though i have SCB ultimate so a bit confused also. Only extra benefit to me will be 2X spends on dining and PP for add on card holders.

    Reply
    1. Siddharth Post author

      Having A/c is most important, especially when ITR is not very high. Why not shift some relationship to HDFC? That’s one way of saying thanks for them to give us 10X benefit 🙂

      Reply
  11. Amex Guy

    Actually, annual fee will be waived off if you put a bill autopay as well, right? When I got DCB, the fee waiver form had 3 cards — DCB, Infinia, and Jet Diners.

    I’m not into HDFC system much (except for DCB and an account that for some reason keeps deducting SMS fee every quarter) — but when I got DCB, I also tried getting it for my cousin. He did not qualify the ITR route, so they gave us an option to get DCB against 6L FD. We were also offered Infinia at 8L FD. Did not go through with it as HDFC does not have an option to move it to non-FD option when you can actually qualify for the card. You have to cancel and reapply. But if one really wants these cards and has some savings, this might be a way for them.

    BTW, if your ITR is high enough to HDFC’s liking, and you have DCB, they will try to shove Infinia down your throat every chance they get.

    Doesn’t resonate with my card strategy, but I know how much Sid loves this card. So congrats, bro! 😀

    Reply
    1. Siddharth Post author

      Thanks 🙂

      # Autobill pay is not there now for renewal waiver i guess.

      # My HDFC stmt is One of the cleanest. No sms charges, not even prog. management charges these days. Maybe perks of Classic/Pref./Imp.

      # FD route makes less sense, unless one can max. out 10X every month.

      Reply
    2. SH

      Amex – question unrelated to this post, but pertinent to your comment above. What is your card strategy? Are your spends primarily on Citi Prestige and Amex Plat? It would be interesting to know about your card portfolio strategy, and what spends are you channelizing to which cards. Waiting eagerly..:-)

      Reply
    3. Aka

      Yup….I already hold a DCB….and they are after my life for an account with them with LTF infinia….I will most probably go for it since yes exclusive has been devalued and i need a decent backup to DCB

      Reply
  12. Diwakar

    Can anyone explain me what are the extra advantages of having Infinia over DCB?

    Reply
    1. MT

      Higher acceptance being on visa/mastercard platform… other things are same as DCB , disadvantage is not having the 10x partners

      Reply
    2. Heena

      Infinia is a visa card.thus,acceptance is a brownie.There is no second reason to switch from dcb to infinia.Value per say you can earn 55k points on dcb p.m whereas only 30k on infinia.

      Reply
      1. CCFreak

        Max. is 25k for DCB too, isn’t? How are you reaching to value of 55k points?

        Reply
        1. PS

          25K on Smartbuy + 25K on 10X partners. The limit for the extra 9X is 25+25. Taking the total to c. 55K

          Reply
      2. Shivi

        @ Heena – Infinia is also issued on MC World platform

        Reply
  13. Rajesh Angra

    Let me share my experience about getting Infinia upgrade from regalia. I was using regalia from last 5 years. Last year in November I got upgrade offer with 1st year fee, then 10k fee or you spend 8 lac.
    The quickest route is that you use all your transitions by smart buy and load you PayZap for 50k every month.

    I am heavy CC user and use smartly to get the maximum juice.

    Today CRED app shared surprise cake for me.

    Hopefully sharing many more experiences going forward

    Thanks

    Reply
    1. AJ

      How does loading PayZapp help here? Can you shed some light on this?

      Reply
  14. Shashank

    Hey Sid, congrats on the card !

    I had asked for fee waiver on autopayments when I applied the card – I was given to understand that this was not discontinued w.e.f Jan 1 2019 but the card would be offered LTF if I open another savings account for a family member/friend

    Reply
  15. Abhi

    “Doesn’t resonate with my card strategy”.
    @Amex Guy: Would you mind sharing your strategy?

    Reply
  16. Sunny

    Hey Sid,

    I’ve had a regalia for many years now and at present have about 75k points on it. I’m eligible for Infinia, but only 50% of points will be converted as per bank rules. Is it still worth upgrading?

    Also, as per customer care, infinia cant be provided as LTF. Is this true in your knowledge?

    Thanks a ton! Keep up the excellent and fair reviews 😉

    Reply
    1. Shivi

      .@ Sunny – RP value for Regalia is 1.3%. For Infinia it is 3.3% – You do the math which is better!

      Reply
      1. Sunny

        Thanks for the reply. I realised this myself and now hold an Infinia 😉

        Reply
    2. MT

      If you spend 8lakhs + on a single card in a year, consider infinia to be free for you… the unlimited PP usage(even on domestic) for your + 3 addon cards is an additional bonus , even if you pay 10k + gst , you get value back at 3.58L spend

      Definitely worth upgrading , and as shivi said , default reward rate is higher

      Reply
      1. Sunny

        Thanks for the reply MT. How did you arrive at the 3.58 lac figure?

        Reply
        1. MT

          10k+ gst = 11,800/- for the card , 11800/0.03333 (3.33% reward rate) = 3.58L approx

          Reply
    3. A2Z

      Even after 50% devalue points will same worth when you upgrade to Infinia or DCB
      Reason 100 points on Regalia have worth of 50 (1 RP = 0.50)
      And after moving to Infinia these 50 points still will have same value (1 RP = 1)

      Reply
      1. Sunny

        Thanks for replying A2Z. Yes I did realize this afterwards and now have an Infinia 🙂

        Reply
  17. Captain Bishuddha Bharatiya

    Wow a million congratulations to you. Does investing in ELSS through HDFC savings ac. also counts as good relationships ?

    Reply
    1. Siddharth Post author

      Anything that gives profit to the bank is good. Your internal band level (customer scoring) increases when you do this.

      Reply
    2. SH

      It does. But that strategy is very costly. If you are going to the mutual fund AMCs through an advisor (typically a bank), then the advisor will get a trailing commission. But if you go direct there is no such commission. And that difference shows up in the returns – typically a direct plan fetches 1 % to 1.3% more return than a regular plan. Now if you are doing some serious investment then that translates into a lot of money over the life time of your investment years (just a mere 1% more earning on a 50 lac portfolio is 50K a year, if you do that over 20 years imagine how much you can gain, also your portfolio will grow, so 50K in excess earning will be 60k next years and so on).

      A sound strategy is to keep investing and the credit card game separate – and not mix them. I have been seduced by Citi Gold so many times – but I kept myself away from it. I go directly to the AMCs for higher returns. This is not a blog for investments – but though I would put this out there in case it helps some of us.

      Reply
      1. Ashish Nikhare

        Its all good till you are alive. After your death, all those investments would go into UNCLAIMED assets coz your spouse or parents wont be knowing about those investments, login id & passwords of each AMC’s. Better to invest through regular plans through your Savings account bank coz atleast there will be a track of investments, insurances, loans, wills, etc. Your Nominee in the bank gets everything and not a single penny goes unclaimed !

        Reply
        1. Anshul

          You can invest in direct MF plans through Paytm Money, no need to go to each AMC website. And you can track/redeem all your investments through Paytm Money/CAMS/Karvy apps. Very simple, for you as well as your family.

          Reply
        2. Raj Kumar

          Ashish,

          No need to remember all these details. You can manage all mutual funds using MFU(mfuonline.com) or CAMS/KARVY. You can modify/add any bank account or nominee anytime through them.
          It really makes a lot of sense to invest in direct funds through any above platforms or through new age options like paytm money, orowealth etc.

          Also, do register for NSDL CAS statement which gives all your mutual funds, stocks in 1 statement every month.

          Reply
        3. SG

          All the portfolio can be gotten by the nominee by going to Karvy/CAMS/Franklin depositories and NSDL/CDSL with the death certificate.

          Reply
    1. Siddharth Post author

      That’s not the actual numbers 🙂

      Reply
  18. Hardik

    Congrats on your card. I have a DCB with a limit of 8L and Regalia with 5L limit. When I requested for an Infinia, I was asked if I got an offer. Since I was not offered one, they said they could provide me an Infinia against an FD of 13 lakhs since I had low ITR. I declined and said I would probably wait for the spend based order. Should I spend more on Regalia as most of my spends are through Diners Club Black?

    Reply
  19. Poorna

    I have regalia with >8L CL. Jst started it using heavily after devaluation of yes first. It’s gonna expire next year March. What are my chances my invitation to ltf infinia? Nowhere my spend ll be 8L

    Reply
  20. Captain Bishuddha Bharatiya

    What amount of spends on existing card and total investments HDFC requires if someone wants to upgrade to Black or Infinia ?

    Reply
  21. Mohan

    I’m holding regalia with 9.70 l CC limit, waiting for auto card upgrade, as of now managing SC ultimate (3.3 % return) and YES first exclusive ( priority pass). Hopefully I’ll get upgrade soon.

    Reply
    1. Hardik

      I had Regalia with Rs 10 L limit before I applied for DCB but did not get invite with that. So having a having a high limit and high spends in itself do not ensure an invite.

      Reply
  22. Abhishek Reddy

    Hi,

    I also have 8 cards, I was using yes preferred for daily transactions since it had 8 points per 100. But i need to use some other card for better returns, is infinia worth it for 10k? I have upgrade offer to infinia from regalia but didn’t take it yet to high annual fees.

    Your comments sid?

    Reply
    1. SaurabhN

      Hi Abhishek, I am in same boat like you. I hold approx 8 cards (like Yes Exclusive, Amex Play Travel, ICICI Rubyx etc) and have regalia Ltf and got an offer to upgrade to Infinia. Due to annual fees I am also holding myself back though I am very much tempted to get this super premium card. So did u accept the offer or not. If yes then what points were in favor of it?

      Reply
  23. Rohit

    Infinia is the only remaining HDFC card I believe that still allows to redeem points for recharge (DTH), so that’s one additional benefit as well.

    Reply
  24. Sahil

    I am averaging approx 8% rewards most months over a long period on my Infinia. Do keep us posted on how much reward yield you manage.

    Reply
  25. A2Z

    Best part with HDFC Infinia & DCB is their dedicated customer support which is way better then their usual support team. It’s a direct connect line and no waiting or IVR stupidity.
    They are knowledgeable, subtle, to the point & solution oriented.
    They understand things well & try to take queries to logical end.
    It really feels premium holding this card due to their support.

    Reply
    1. Surya

      But their concierge line is pathetic, sometimes you need to wait for 15-20 minutes to get their line.

      Reply
  26. Rakesh

    Did anyone got upgraded from DCB to Infinia ?

    And if yes, loosing DCB mandated to get Infinia ? Do not wanted to loose 50k points for 25k ! (though temp benefit, still !)

    Reply
  27. Infinia User

    I got my infinia card last month as lifetime free card. The eligibility out forward was to open and HDFC savings bank account and ITR greater than 40 lakhs for 3 consecutive years. Process was very smooth.

    The only complaint which I have is that, most often transaction alerts doesn’t come as SMS while I’m out of India. Strange is that I get all OTP messages on time and HDFC says they don’t have a provision for email alerts. I find this tricky when there is no 2nd level authentication and relatively high credit limit and you don’t even get to know if the card is used until and unless you keep monitoring the available credit limit. I get SMS and email alerts on all other cards I hold. I got no response from so called privileged customer care for this issue.

    Reply
    1. MT

      Are you imperia or private banking customer of HDFC bank ?

      Reply
    2. Vignesh

      Totally agree. Not sure why they don’t have an email for every transaction. SMS get erased / sometimes don’t come which is a vulnerable situation to be in given the high limits.

      Reply
    3. Atul

      Use Visa verified by visa, and the OTP comes to your email id for certain websites. Also u can use 2nd default password.

      Reply
  28. Infinia Aspirant

    What exactly is ITR of XXX? Where do I find it in ITV acknowledgment form? Can some please help me understand it.

    I got DCB card 6 months back and have limit of 7.75 lakhs. Has anyone upgraded from DCB to Infinia? What was their credit limit for DCB before they got upgraded?

    Reply
    1. MT

      ITR of XXX means the final net income amount you offer for tax , ITR V is the acknowledgement of the return filed and can be found when you login to your IT portal on the efiling site of Income Tax… in my opinion , they should offer you infinia since you have a 7.75 lakh limit already on your DCB , get in touch with customer care and request

      Reply
  29. DR.HARDIK PATEL

    Hi, can anybody plz tell how someone know that their existing card like diners club black wil upgrade to infinia? Like in net banking it shows in card upgrade section or they send e-mail or sms for upgrade to infinia? Please reply asap…thank you so much…

    Reply
  30. sanemate

    You mentioned 10x for some partners in Infinia, what kind of partners are they? Are they same like Diners?

    Reply
    1. MT

      Infinia doesnt have 10x partners , you can get 10x points via smartbuy and its partners , infinia has 2x on dining and travel bookings via hdfcinfiniarewards website… the place where infinia outshines is unlimited lounge access to both primary and supplementary card holders ( diners black is limited to primary card holder) , and ofcourse wider acceptance being on visa/mc network… if you are looking to maximize on 10x partners , opt for DCB

      Reply
      1. Lordsom

        Diners Black is not limited to primary card holder. I have made it work for my family 3 times in a year (for 3 members each on separate supplementary cards) internationally. Works like a charm everytime!

        Reply
      2. jagath

        nw 2x(6.6%) is nt there on travel.when u try to book frm infinia’s web page its redirect to a new page which hdfc has launch on 10 june.

        Reply
  31. Diwaker Singh

    for Infinia – which one is better, if at all, between VISA and MASTERCARD?

    Reply
  32. vivekm

    How does it compare to Citi Prestige in terms of reaping points & the concierge?
    I have a lot of traveling across the country & a few times overseas – which of them gives better returns on booking flights? Any 10x or 2x partners on Citi prestige? it looks like they’re only for citi rewards as per the website

    Reply
  33. Pranav Sharma

    Hi , thanks for the review , please provide me with the correct information
    1. If i make bill payment through PayZapp (added credit card in it) will i get 10x reward points or 1x regards point.
    2 how much time it takes to get reward points in my account specially for Amazon , flipkart etc.
    3. I even called infinia customer care they said wallet money loading,fuel Transaction is excluded ,easyemi is excluded only.
    4. Last if make a payment through smartbuy with promo code will i get any reward points.

    Reply
  34. Aryaman

    1) For payments through payzapp , you will accure regular 1x points unless an offer is going on.

    2) Depends on the terms and conditions. For Flipkart transactions of this month , points are getting credited within a week. Amazon transactions usually take longer , around 60 days.
    4) For flight and hotel bookings on smartbuy with a promo code applied , you will accure 10x reward points as well.

    Reply
    1. Pranav6410

      I asked customer care guy, he said on reward redemption site of hdfc no reward redemption fees is changed for infinia members (rs99 fee) is it true. Tell on your experience

      Reply
    2. Pranav6410

      I purchased a product from Amazon through hdfc smartbuy
      How much time it takes for the points to come in my account,
      Tell from Your experience.

      Reply
  35. Pranav sharma

    How to buy things on Amazon
    I first visited smartbuy website.
    Then i clicked on Amazon
    Entered card no and Mobile no
    A Amazon page appears
    I then searched the product i want to buy.
    Then i clicked on buy now
    Login in into my account
    Then made payment through that card which i entered the details.
    Are these steps correct, i think so it’s Correct as i also seen Amazon t/c of smartbuy

    Reply
    1. Hardik

      Yes it’s correct,wait for atleast 3 months for points🙂

      Reply
      1. Chintan

        Yes, and send mail after 3 months that the points are not yet credited, they will consider it and then points should get credited in next 7 days. 🙂

        Reply
  36. Vikram

    What’s the typical timeline? How long does it take from speaking to your RM about it to knowing whether you’ll get one or not? It’s been over 2 weeks since I spoke to my RM about this and he said he’s put a word to the concerned department regarding this and is waiting for their response. I haven’t heard anything back yet. It’s almost 3 weeks now.

    Reply
  37. New_Infinia_User

    Just wanted to share my experience of getting the Infinia card a couple of months back. I almost completely relied on the auto-card upgrade route through limit enhancements. I quickly reached 6L limit on my Regalia LTF card but from there it took me almost 2 years to get upgraded to Infinia. I tried reaching out the Super-premium cards sales manager etc but all that didn’t work.

    After getting to 8L credit limit, I happened to be travelling abroad on work and spent close to 11L INR over 2 trips in October’18 and January’19. That resulted in an automated offer for credit limit enhancement to 10L (from 8L) which I availed. The moment the credit limit was enhanced, I saw the Credit card upgrade option on Netbanking offering me Infinia!

    So it took 10 years of patience and focused spends on my HDFC to get to Infinia. Ironically it’s only after getting the Infinia card that I’m truly realizing the power of Smartbuy 10x points @ 1Re/point redemption. And of course unlimited lounge visits through Priority pass card for Self+3 Add-on cards is amazing.

    Reply
  38. A2Z

    Change in HDFC Rewards portal is reflecting now
    They have a tab called Privileges on Smartbuy website
    Under that it is categorised as Infinia, Diners, Regalia & Other cards
    Good they brought all options under one tab & no need to go to different websites but still they haven’t explored to merge rewards in case someone holding multiple cards
    Amex allows to group all rewards under single card which helps a lot

    Reply
  39. Manoj

    I am having regalia for past 2 and half years with limit 5L at present. I hold a Salary account and reimbursement account with hdfc bank. Also I have this years ITR as 20L+. What are the chances of approval if I ask my RM to get me Infinia Card.

    Reply
  40. Vinod Kannan

    Hi all! Received a Mind Boggling Limit Enhancement offer yesterday on my HDFC Club miles Credit Card. I was going through the routine of Checking the LE and Card Upgrade sections in NetBanking, which I do on a daily basis. I was Shell Shocked to See a Limit Enhancement offer from 3 Lakhs to 11.38 Lakhs. Now waiting for the Infinia Upgrade offer to Kick in.

    Reply
    1. Captain Bishuddha Bharatiya

      Wow congrats Vinod Kannan. If you don’t mind can you explain in details what kind of relationship you have with HDFC. It will be a tremendous help for lots of people like me.

      Reply
      1. Vinod Kannan

        @Captain : I hold only a Regular Savings Account and Credit Card with HDFC. Nothing else.

        Reply
        1. Captain Bishuddha Bharatiya

          Thanks a lot Vinod. I really appreciate it. Can you please answer some more questions :-
          1. How old is your card ?
          2. What limit you started with ?
          3. How much balance you maintain in your savings account ?
          4. How much and where is your annual spends ?
          5. Have you ever provided your income documents to HDFC for limit enhancement ?

          Reply
  41. Ajay

    Hi

    I had applied for infinia. HDFC has sent me MasterCard version of Infinia. Will the RM provide a Visa infinite instead of MC as that is more useful it seems.

    Reply
    1. S&S

      Since I had Prestige as Visa Infinite I asked for my Infinia Visa Infinite to be changed to Mastercard World. RM checked with card team. They wanted reasons. Told them Mastercard has better offers and that I already have Visa Infinite variant via another bank.
      They didn’t accede to my request.
      Your situation appears to be just the opposite.
      You can try your luck but without a reason they consider valid, chances are low.

      All the best!
      S&S

      Btw: I hold an Imperia account.

      Reply
  42. Prashant Gupta

    Yes……Just talk to your RM or the bank directy…….Happened with me for Regalia long time back and i was issued visa as requested by me.

    Reply
  43. Mickey

    I’m still struggling to upgrade from RF to Regalia 🙄🙄

    No RM or savings with the bank, but excellent spends and all timely payment. No auto LE or upgrade received. Even using smartbuy/ PayZapp etc.

    Wonder what triggers the system??

    Reply
  44. CHENNURU RAMESH BABU

    Sir I do hold LTF regalia credit card with limit of Rs. 10.00 lacs. I am a salaried official drawing a gross annual income of Rs. 14.60 lacs excluding additional income of Rs. 2.50 lacs. I draw a net monthly salary of Rs.0.50 lacs. I am holding HDFC credit card since 2011. I do not hold any account with HDFC. I do hold digital products of HDFC. My card is due for renewal in the month of Sept 2019. When enquire with customer care, they advised me to send to Chennai citing their reference no. Accordingly, I had applied for LTF DINERS BLACK / INFINIA CARD. I had submitted the upgrade request to Chennai with latest salary slip and last year form 26 statement, previous year form 16 statement and also salary account statement. My CIBIL score is at 845. Will the bank consider my request and if do which card will be issued to me.

    Reply
  45. Mickey

    Good Question – if someone has experience for both above queries

    Reply
  46. Vinod Kannan

    Hi All…Very Excited to say that I Got Approved for Infinia Credit Card Yesterday. Still Couldn’t Believe my self. The process was unbelievably fast. I mailed them to Upgrade my Club miles Card to Infinia on Thursday night ( 27/06/19). Got mail that they are looking into it. On 28th I received a Reference number which the Regular Customer Care could not track. They said that this Reference number is from the Main Team. I don’t know what that meant. Saturday and Sunday were Holidays. On Monday, 01/07/19, I received d reply that they Got me the Approval for Infinia Card. They wanted me to Send the Upgrade form Signed and accept the Terms and Conditions for 1st Year Free Infinia. Also they just wanted me to Send the form as a reply mail to the Approval email I received.
    The thing to note is that it worked like I had an RM who got me an approval from some higher Team. I hold just a Regular Savings account and nothing else with HDFC.

    Reply
    1. Captain Bishuddha Bharatiya

      Wow amazing. Congrats and thanks for your valuable reply.

      Reply
    2. Rohit roy

      @ Vinod Kannan
      Can you let me know did you send ITR doocuments and if so do you mind to share for how much was it ? I have an approval for Diners club Black but unfortunately my RM and branch manager are showing no interest to push it for Infinia. I have approached cc team directly and they said ITR is must for infinia and they cannot give card based on relationship and no matter how much FD you have. Thats a stupid reason for a bank to give since i have seen many getting it just with FD. I have actually requested for dual card and even that bank is not ready to give stating they have stopped issuing.

      Reply
  47. Vinod Kannan

    @ Captain :
    1. How old is your card ? 4 Years and 8 months
    2. What limit you started with ? Just 30,000. Yes.
    3. How much balance you maintain in your savings account ? Usually 10,000 Rupees only
    4. How much and where is your annual spends ? Heavy Spends last year on electricity bills. Converted many spends to EMI last year and Have been paying regularly. Used to Prepay the Insta loans very often. This year I spent very less on HDFC since i had to make sure I clear all the loans on Credit Cards. Still have loans worth 2 lakhs on HDFC credit card.
    5. Have you ever provided your income documents to HDFC for limit enhancement ? I Provided it on d 1st year of Credit Card usage. They Increased d Limit from 30K to 1.5 Lakhs. After that Auto enhancement to 1.80 lakhs. Then again Sent Amex Statement next year and they gave 3L. Last Week I got an Auto Enhancement tfrom 3L to 11.38 Lakhs.

    Reply
    1. Aniruddh

      Hi Vinod,

      For the 5th point, on what email address should the income documents/other cc statements be sent to be eligible for Limit Enhancement as on my other cards it is almost the triple that of HDFC cc?, because my current HDFC RM is adamant in NOT giving any enhancement or upgrade despite sharing a good relationship with HDFC cc since the last 8 years and having over 10l in savings/FD’s and a TRV of much higher(cibil > 800). Any points to get the work done because even if I move the savings to other banks, I believe I could fetch many premium services – Axis Burgundy or Yes First.
      Thanks!

      Reply
  48. Ankit

    Grateful if someone could help me out here. I’m in a dilemma. HDFC cancelled my DCB & Regalia first due to not being NR cards and now they’re offering either DCB or infinia with FD lien (DCB 7L & infinia 12L FD) with a limit of 5L/10L respectively. Any suggestions would be helpful. Thanks!

    Reply
      1. Ankit

        I am still an NRI but the DCB I held wasn’t. That’s why they canceled after it popped up in their system. Anyway, got me the NR Infinia basis FD.

        Reply
    1. Ankit

      Non Resident card
      Basically credit cards can’t be issued to NRIs without FDs and thus I can’t get a card from Amex (that’s a whole different situation though).

      Reply
  49. S&S

    I logged onto my hdfc account to transfer Infinia points to BA avios last week. Surprisingly I only found Jet and Kris flyer options.
    Thought must be a glitch.
    Logged in again today and again saw only Jet and Kris options.
    Wonder if anyone has an update.
    Hope to revert after speaking to CC in the interim.

    Cheers
    S&S

    Reply
    1. S&S

      Infinia CC tells me, only Jet and Kris Flyer have been transfer partners for Infinia since inception.
      Came as a surprise.
      Wonder if I was under a misnomer that BA, Club Vistara and Trident too were partners for Infinia like they are for Diners?
      Anyone in the know?

      Thanks
      S&S

      Reply
  50. Mickey

    So from reading some posts above it seems that you cannot get a card upgrade, if you have outstanding EMI’S running on the card? Is that correct?

    Better to clear off all loans and EMI’S and only then to send the upgrade form to Chennai?

    Reply
  51. Ak

    Hi, two questions about the infinia

    1) Does the priority pass come with free domestic lounge visit? The letter only mentions international but my RM says domestic included.

    2) I read that the add on card gives free lounge visits also (based on the priority card which is given). But is this only for the first add on or also for the 2nd and 3rd add on?

    Thanks,

    Ak

    Reply
  52. Srikar Ananthula

    Hi Siddarth, Can you please also include the differences between VISA variant & master variant? Which is preferred over other?

    Reply
  53. Mohan Eluri

    Today, I received my Infinia card, finally !!!!
    My card limit was 9.7l, it took 8 months after my card limit upgrade from 3.6 to 9.7 for auto card limit enhancement.

    Reply
  54. abhinav

    I have got an offer to upgrade my HDFC Regalia to Infinia. I hold Regalia LTF but looks like there is a fees of 10K on infinia from second year. Is it worth taking the upgrade. Also which variant is more useful Visa Infinite or Master world. I already hold YFE which is Master card one and also have Diners Black and Amex Plat. Are there any benefit in Visa infinite variant over the master world. Every other month I do international trips, so is there any benefit globally which is not in India.

    Reply
  55. Mohan Eluri

    Priority Pass Update:

    For premium card as like Infinia we can use priority pass in domestic airport lounge as well. I confirm the same with customer care executive.

    Reply
  56. ankit verma

    Hello

    I have got an upgrade offer for Infinia. Can any one tell the difference between the Visa infinite variant and master world. Which was should I prefer. I already have YFE and DCB cards. I do international travel every 1-2 months.

    Reply
    1. Abhishek Roy

      If you have YFE, then you don’t need Infinia for Priority pass (international Usage). These days, Diners Black is more rewarding than Infinia. If you don’t have any specific requirements that the Infinia offers then give a second thought whether you want to upgrade DCB to Infinia or not.

      Reply
      1. ankit verma

        Thanks Abhishek ..sorry I didn’t mentioned.. I have 2 HDFC card one DCB and other Regalia. I got upgrade option on my regalia. Both my DCB and Regalia is LTF but for Infinia there looks to be a fees of 10k from 2 nd yr. My yearly usage on cc is around 30 Lacs. I will push them to give me Infinia LTF. Is it wise to upgrade to Inifina in case I don’t get it LTF. Any additional benefit which I will get. Also my original question if in case I take the upgrade to infinia should I take visa or master card variant.

        Reply
        1. Mickey

          Ankit – just out of curiosity man, but where do you spend 30L annually on your card?

          Some ideas that could help all of us to increase usage!

          Reply
  57. praveen

    Why does HDFC cards have same card number for both primary and add-on card. Is it possible that the add-on user can get different card number. If not is it possible that they can get the OTP for online transaction on their mobile number rather than primary card number.

    Reply
    1. Praveen Katiyar

      @Praveen
      Must be a matter of policy/implementation.
      I have Add-on card of Yes First Exclusive, wherein card numbers are different and the Add-on gets OTP on his number.
      What I can guess is that providing different number actually end up it being considered different cards in case of offers on portals, HDFC is smart to issue same card numbers.

      Reply
  58. SaurabhN

    Hi, I am holding Regalia (LTF) for more than a decade and I also hold Yes First Exclusive (LTF), Amex Plat Travel Card, SBI Prime, ICICI RubyX VISA and couple of other banks LTF cards.
    I recently got an offer to upgrade my card to Infinia, though I am excited to get it but its annual fee is holding me back. Does it make sense to upgrade to Infinia keeping in mind I do have unlimited lounge access on YFE and for Infinia fee reversal I need to spend more than 8 lacs per year and 15 lacs in total to get most out of these 3 cards (Infinia, Amex Plat and Prime)?
    Any thoughts will be appreciated.
    Thanks.

    Reply
    1. Amresh

      Ask them to upgrade to DCB which is more rewarding these days. No need to take infinia unless u do lot of international travel and your hotel preference is Marriot.

      Reply
        1. SaurabhN

          In some cases I read that HDFC awards 10k reward points in case annual fee is paid but when I called customer care they had no clue about this. Any clarity on this?

          Reply
          1. Mukesh Mittal

            Yes , if you are not able to spend 8 lacs , they will charge you 10K +GST as fees and you will get 10,000 RP . So basically you will just end paying 18% GST .

            P.S. – Please note that 1RP=1 Re is only applicable for redemption on flight booking and hotel booking . For All other rewards redemption (gift voucer, phones, etc.) , 1RP = 50p

  59. Yogesh goel

    Dear Member,

    1:1 ratio of RP is only for hotels and flight bookings.

    If you wish to purchase anything from the catalouge, the ratio is 1:0.50 and that is why double the points required.

    Hope this answers your query.

    Regards,
    Priyanka S

    Reply
  60. Mohan

    My Journey to Infinia:

    I started with basic credit card with HDFC later migrated to Regalia 6 years back, Now current credit limit is 9.7 L. My friends CC was migrated to Infinia last Diwali though they have less (8l +) credit limit than mine. I was trying to figure out why I’m ouster, Then I started with a Recurring Deposit with HDFC and also enabled Bill pay service for my postpaid connection, also start using the card for offline and online shopping. After 6 months, my card upgrade to Infinia…. Finally …. All reward points were reduced to 50% ratio.

    After , 10 days … Now my preferred Status of HDFC is now upgrade to Imperia …. this is really exciting.

    Reply
  61. Sriram

    Hi Sid,

    Need your suggestion. I am using SBI Elite card with AMC of 5000/- and my annual spends are 8L. I usually get reward points worth 50,000 (worth 12,500 INR ). My international travel is very limited; does it make sense to go for HDFC Infinia card. Can you provide a ball park figure of how much monitory benefit if i convert points earned through Infinia card. Just compare these 2 cards for a person without much international travel.

    Reply
    1. Mohan Eluri

      It’s not only an International trip, even your domestic travels covered with Infinia, DTH recharge, With Infinia you will receive 3.3% cashback in terms of reward ( Flights, FTH, and Hotels). If you purchase from smart buy U will receive 10X rewards that be 33%….. So Infinia is always the best card to hold.

      Reply
  62. MT

    Hi,have been a regular at this blog.
    I have a Question which most is frequently asked.
    Visa Infinite VS MasterCard World for infinia which is more preferred and Why?

    Reply
    1. Murali Reddy

      VISA Infinite definitely has a edge over Mastercard World due to its acceptance through out the world and the merchant partners outnumber Mastercard . Also, as far as I know, to get Visa card it is tougher than Mastercard World.

      Reply
  63. Llywelyn Lasrado

    The conversion at 50% of Regalia points is harsh I think. It’s better to redeem points first and then upgrade. Any divergent view?

    Reply
    1. MT

      value remains same , 1 regalia point = Rs. 0.5 , 1 Infinia point = Rs 1. so 2 Regalia points = 1 Infinia point

      Reply
  64. Abhisek

    I finally managed to get hold/upgrade to HDFC Infinia Card from the much cursed and useless HDFC Jet Platinum card. It was quite a jump though keeping the card variant in view. Joining is free, though 10k will be charged next year for renewal , with which frankly I am ok with as the points offered on renewal solves the purpose.

    HDFC Jet Platinum card had become useless and redundant for me way before Jets ouster as Jet had stopped flying to my home (Bhubaneswar) few years back.

    HDFC were highly adamant in not letting me go off Jet card, regardless I wanted an upgrade or downgrade.

    Finally my friend who works at HDFC helped my glide through to Infinia from Jet Platinum.

    Just started using it & have made an excel to keep track of points (specially the 10x points).

    Lets see how it goes. 🙂

    Reply
  65. Rahul

    I got a msg on 15th august that I have an option to upgrade from my LTF regalia to Infinia FYF. I applied the same day, card arrived on 17th august morning.
    Points movements from regalia to infinia was smooth, PP came with the card. club mariott came in a week. Already raked up 35000 points on the new card in less than a month.. hope to get some more as diwali flying season is coming.

    Only sad bit is they have given the mastercard version.. Regalia was also mastercard world, Infinia is also mastercard world.

    Reply
    1. Vineet

      Hi Rahul, Congrats for your new acquisition. Can you advise me as to what possibly should have triggered your upgradation? Was it spends or bank relationship or your itr.
      Thanking you

      Reply
      1. Rahul

        Spends. Both domestic and international. I got regalia in 2017, then on an international trip i used it for bookings and duty free shopping etc and almost reached the 4lakh limit. They immediately increased it to 6.4 lakhs, which they didnt change till Feb this year where i hit 50% kind of limits on US trip. They increased limit to 9 lakhs in march/april. In june this year I got the 15k bonus for spending 8 lakhs etc and when i was reaching my anniversary year in August. They sent a card upgrade msg and sent the card in 2 days

        Reply
    2. Shivi

      Mastercard has better fx exchange rates if you are into lot of international purchases online and offline. Marginally less than Visa though. Visa, on the other hand, has more global acceptance. I have been in places where they would accept only Visa and not Mastercard (so far happened in Malaysia, Thailand, Japan, Egypt, North America). Some shopping malls also run occasional offers on Visa “Infinite” version. Visa also has few loyalty programmes under its belt – Hilton Honours being the most popular one.

      On a side note – South East Asia shopping malls accept and give freebies and offers on CitiBank issued Visa Infinite cards regardless of the country of origin of the card.

      Reply
  66. Mickey

    Rahul how much were your spends in Regalia in last 12 months approx when you received uograde?

    Reply
    1. Rahul

      I think it will be more than 9 lakhs. I got the 15k bonus point for 8 lakhs spend on regalia by may itself. Anniversary year was in august

      Reply
  67. Pranab

    Hi Sid,
    Can you please elaborate a little on Concierge Services on Infinia Card? How to get most of it? Thanks

    Reply

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