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
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,
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.
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.
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.
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.