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. 

76 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
  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
  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
  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
  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
    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
  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
  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

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