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. 

342 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
      1. Ritam

        Hi! Please let me know how you got Regalia “free for life”? Do you spend 5 lacs every year on your credit card?

        Reply
        1. Duane Bayliss

          To get Regalia free for life, you need to spend 1 lac in 1st 90 days – same confirmed with HDFC Bank today (Aug 15, 2022). This is for cards activated after Aug 1, 2022 only.

          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
      1. Sd

        Hi. Isnt inifnia on smartbuy 10x rewards now? Dont see any mention on any of your reviews

        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
        1. lordsom

          Just had to open a Fixed deposit…that did the trick.
          Have got the awesome pair of DCB + Infinia!

          Big Billion day ..here I come!!

          Reply
          1. Niraj

            Hi Lordsom
            What was fixed deposit amount? For how long you have been holding DCB and what are card limit when you got second card(Infinia)?

  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
      1. Vinod Kannan

        @Rohit Roy – No… I did not send any IT Documents. The upgrade was purely based on my Credit limit. Whats ur Credit Limit? If u have >10 lakhs credit limit, u can get Infinia. Try their Twitter handle or Grievance Redressal. They are good at handling requests.

        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. Dr Niyaz

      Hi ankit,
      i am an NRI . they blocked my allmiles card after i changed my status to NR. i had an option for applying to NRI regalia or NRI infinia. i received infinia with a FD of 13L.

      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. Ajai

    They say that for Infinia LTF I will have to wait for a offer thru HDFC Netbanking but will surely get it soon since my overall spend via the Regalia is 19lac.

    My question’s are:

    1. Is this really true?
    2. I thought the RM is suppose to initiate a mail or something for LTF Infinia was I wrong
    3. Is there really a Infinia LTF card?

    Siddharth you or anyone in the know kindly answer my questions and also tell me what is the real process of getting a Infinia LTF.

    Reply
  56. 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
  57. 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
  58. 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
  59. 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

  60. 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
  61. 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
  62. 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
  63. 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
  64. 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
  65. Akash Gurnani

    Hi, I am currently using Diners Club Miles with 2 lac limit, have many other credit cards too like Amex Plat Travel, Amex MRCC, SBI simply Click all with good limits. I also have a good credit score.

    I have monthly USD expenses of about 800 USD and 20k other INR expenses. Expenses are going to increase over time as I am diverting from direct payments to credit cards.

    I was planning to get HDFC Infinia or Diners Black. As I don’t have any other relationship with HDFC except Diners Club Miles which I got a few months ago. They are providing me DCB against 7 lacs FD and Infinia against 11 Lacs FD.

    My question is it wise and worth to get it against FD or should I increase the relationship with HDFC and wait for an offer from their side which I think will take a long time.

    Please advise and thanks in advance.

    Reply
  66. 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
  67. 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
  68. Mickey

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

    Reply
    1. Pranab

      After my Moneyback card was upgraded to Regalia in Jan this year, spent approx 17.5 L in 8 months. Then got free upgrade to Infinia.

      Reply
    2. 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
  69. Pranab

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

    Reply
  70. Vamshi krishna

    I just received my Infinia, which I had upgrade from Regalia. I see that I received MasterCard World variant even after stressing multiple times to my RM that I want Visa Infinite variant. Clearly, Visa Infinite variant is more premium and has better offers (BookMyShow just to give an example). The lady who was responsible for processing the card says it is randomly decided by the bank. I find hard to believe and there obviously will be some criteria to decide the variant.

    Any idea how do I get the Visa Infinite variant?

    Reply
  71. Nash

    Hi Sid
    I got upgraded to Diners Black last October. Current limit of 12.7 lakhs. Spends of about 28 lakhs over past year.ITR of 26 lakhs PA. I’m also a guarantor on an automobile loan for one of my company’s auto loan from HDFC. No other relationship with HDFC. Cibil score 836. Any idea when I could get an invite for Infinia? Or should I just send the form to Chennai.

    Any existing Infinia customers’ advice will also be appreciated.

    Thanks in advance.

    Reply
    1. Rahul

      Call your RM. I asked my colleague to do so, his RM guided him how to apply for infinia online and within 3 days he got infinia with 12 lakh limits.

      Very fast.

      Reply
  72. Shail

    Siddharth,

    Earlier we could access domestic lounges with Infinia prority pass but looks like hdfc stopped it. Diners Club Black offers unlimited visit via again its own lounge platform. Hdfc infinia offers 4 visit per quarter via visa/mastercard lounge partnership through main credit card. The separate priority-pass may be chargeable for domestic use by HDFC.
    Is this correct? If yes, DCB wins hands down with unlimited domestic lounge access feature and perhaps the only card in India which provides unlimited domestic lounge access.

    Reply
    1. AK

      Nope you can avail unlimited domestic lounge access through yes bank YFE for self and up to 3 add on card members also.

      Reply
    2. Abhishek Roy

      Yes that is correct. HDFC doesn’t allow unlimited domestic lounge access via its Infinia Priority Pass. PP is only good for lounges outside India. Diners Black allows unlimited lounge access domestic as well as international lounges.
      However there are other cards that allow unlimited lounge access domestically- Yes First Exclusive, Axis Magnus, ICICI Emerald and Citi Prestige etc

      Reply
      1. Rahul

        Infinia priority pass allows unlimited domestic lounge access, have confirmed it multiple times with infinia desk. It is also applicable for add on as it is just a replica

        Reply
    3. Pranab Das

      Domestic Lounge Access through ‘Infinia’ Priority Pass is absolutely free and unlimited. I availed that on 20th Sep at Kolkata and on 24th at New Delhi lounges (including add-on PP).

      Reply
      1. Subhadip

        Domestic Lounges in Kolkata & New Delhi I have accessed through Infinia only, no need for Priority pass…

        Reply
  73. Nithin

    can anyone tell if 10x infinia rewards beats the 10% discount offers on amazon(sbi) and flipkart(icici n axis)?

    Reply
    1. Neo

      depends on what you value more ? A straight instant cash discount or 33% back in terms of points which are best utilized for travel?
      If your choice is former, then SBI/ICICI/Axis offers may make sense.

      Reply
    2. Prashant Gupta

      Is that a question to be asked…the answer is no brainer….hands down 10X offer is better.

      Reply
    3. SG

      Even if you convert the HDFC reward points to cash, its still 16% which is better than the instant discount of 10%. Its just not instant, is all.

      Reply
  74. AKN

    Hi everybody,
    I am regular visitor of this site. Good to know many of us are getting invite to upgrade to Infinia. I am holding a regalia card since 2016. Current limit is 6.9 lakhs.
    My expenditure in last card anniversary year is more than 8lakh. My in hand salary is >10 lakh PA. I have tried to upgrade it to infinia. But not able to get an invitation.
    I have reached to my RM, HDFC grievance team. But…
    I am a salary account holder of hdfc bank since last 11 years as well as into preferred banking.
    Can anybody suggest me the way forward to upgrade to Infinia….

    Reply
    1. Mickey

      AKN – Send the Upgrade request form with a covering letter to the Principal NO Mumbai

      90% it should be done if your track record is good

      Reply
  75. PD

    Quite curiously, the primary and add-on Infinia cards have the exact same credit card number, same cvv and priority pass numbers match too. The names printed differ though. That was not the case with my ICICI add-on card.

    Is this how hdfc issues add on cards? Would there be a problem with primary and add-on to use the lounge at the same time?

    Thanks

    Reply
    1. MT

      No problem face in lounges till date , only on the statement you will know which addon card holder swiped how much.. another disadvantage, in an online transaction, OTP only comes to primary card holder

      Reply
      1. PD

        So you confirm that the primary and add-on credit card numbers and CVV are exact same?

        Reply
  76. Rohit

    I have an offer to upgrade to infinia from existing money back card which if LTF and Limit of 12L
    is it worth to upgrade from LTF to 10k annual fees ?
    i mostly do online shopping and very rare travel ? pls suggest

    Reply
    1. Maj Shetty

      Have u got invite to infinia MasterCard or visa variant…anyways if your annual spends is more than 8 lakhs, it is an excellent card

      Reply
  77. Shiv Kumar Singh

    Finally got LTF Infinia. Very happy thanks Siddharth for your wonderful blogs, the fastest push engine is your ITR, to get Infinia.

    Reply
    1. GTMAX

      Hi Shiv,

      Congratulations on getting Infinia. Would be great if you can share your detailed experience in getting a LTF Infinia. As from October month onwards, they have put a hard stop on processing Diners & Infinia as LTF.

      Reply
  78. Raghu

    For Infinia, its mentioned in the T&Cs that there is no late payment fees – can anyone elaborate on this pls?

    Reply
  79. Dr.Hardik Patel

    My whole family recently had hdfc imperia relationship from classic to preferred and then imperia…so how this imperia relationship will help me for my diners club black credit card? I mean it will help to get upgrade to infinia or just limit enhancement? In how many days i will see limit enhancement or any offer for upgrade? My spend on diners black card is quite good…say 10L per annum…

    Reply
  80. Akhil

    Hi Sid,

    I have the MasterCard version of this card. Any benefit in getting the Visa Infinite?

    Thanks!

    Reply
  81. Raju

    Hey guys i have got an upgrade to this card, I have some points in my old regalia card. Should I carry them to my new card ( at a conversion rate of 50% ) or should i use them for cash back points etc then upgrade? Please let me know.

    Reply
    1. Shivi

      Carry them to your new Infinia card at a conversion rate of 50% or use them for cash back points etc. then upgrade ~ it is one and the same thing value wise.

      Reply
    2. Vyom Aggarwal

      Convert. Value of regalia point 50 ps.
      Value of infinia point 1 rs

      Reply
  82. Dhaval Shah

    Fkr infinia card they claim reward point value as 1 rp = 1 inr, but when redemption in voucher or cash it shows half.

    Aby help?

    Reply
    1. Shivi

      Reading the T&C booklet which comes with the card and updated reward point redemption T&C usually helps offset such shocks 🙂

      Reply
    2. MT

      1rp=1INR only for redemptions against flights and hotels on smartbuy portal , rest all 1rp=0.5inr or less

      Reply
    3. Vyom Aggarwal

      You get a value of 1 rs per point when you redeem the points for flight or hotel booking on smartbuy website

      Reply
  83. Pranav

    I need some information regarding how to use lounge in domestic airport?
    I have a priority pass and card for the primary and add on member, if the add on member only uses the the mastercard variant at the domestic lounge will it be changed

    Reply
  84. Anuj

    I got an automatic credit enhancement from Rs 4 lacs to Rs 20 lacs yesterday on my regalia card. Probably I used a lot on the POS machines in USA over the last 6 months that’s why I got the enhancement I believe. A quick question, should I wait for automatic upgrade or should I push my RM for an upgrade after a few months? If so, should I request for DCB or infinia directly??

    Reply
    1. GARIMA DURGA

      I have recently been offered infinia card but I refused because i am not interested in paying 10k+GST for it. should I regret my decision?

      Reply
      1. MT

        If your spending is north of 8 lakhs a year + you travel airlines to make use of unlimited lounge access +
        not interested in 1 year free Club mariott membership + double reward rate compared to Regalia (same as DCB) , regret , if not , Don’t regret

        Reply
    2. Harshal

      Never heard anyone having 20 lakhs CL on a Regalia. Very surprising. Do push with RM for automatic upgrade for Infinia. You should be able to easily get it, given the spend history and current CL.

      Reply
    3. Pradeep

      @Anuj,
      1. Did you stay 6 months straight in USA?
      2. Received Any calls from bank?

      Cheers
      Pradeep

      Reply
  85. Anand

    I have Dinners black and I have few questions on Infania:
    1) Could we transfer Reward points accured on Infiania to Air miles of SQ,Vista,Avios like Dinners
    2) Comparing Dinners Black and Infania which has
    * The best collection of Lounges
    * The best network of Lounges
    3) For getting SQ’s Kris Flyer Silver status there should be 25,000 Kris points, so if I transfer 26,000 Dinners reward points to Kris points will I get Silver status?

    Reply
    1. MT

      @Anand,
      1. Infinia points transferrable to Krisflyer 1point=1 krisflyer mile , do only if you are getting a value of >1rs per point , otherwise its a waste to transfer , just use them to buy revenue tickets
      2. both have almost equal network of lounges , maybe more diffrentiable in USA , in India , my observation is all lounges accept both diners and Priority pass..though diners has less acceptability than visa/mastercard
      3. you need to earn those miles , you simply cannot enjoy a status by transferring miles

      Reply
  86. Shochand

    Hi sid I have buisness regalia holder limit with 9.5 L i need to upgrade to infini please help me

    Reply
  87. Vishal Agrawal

    Thank you Siddarth for detailed Review.

    Finally got my Infinia card today.
    Was holding Diners rewards card since 4~5 years with credit limit 3.6 L. Didn’t had any bank account in hdfc.

    In Jan 2017 got in touch with hdfc area head.Who helped me to get Regalia first without closing Diners. With credit limit split 2.5L and 1.1 L.

    In Nov 2019 I got option to increase credit limit for Regalia First in hdfc credit-netbanking. It got increased to 7.5L.

    In Dec 2019 again approached same hdfc area head for Infinia card. He asked to cancel diners card so that he can merge credit limit and initiate upgrade application for infinia, after which Regalia First credit limit became 8.6 L.

    He forwarded my case to Super Premium card sales manager, and here I was asked to open 1 saving account with hdfc, saying that for super premium card Saving account is mandatory (but I doubt on this)

    They sent 2 persons, 1 for account opening formalities other for card upgrade application form.

    After around 1 week when I called hdfc customer care to check status of Infinia application. Customer care executive told, Application rejected with reason in remark saying, “Infinia card is only invitation based and customer is not eligible”

    Immediately I informed Super Premium card manager, who promised me that he will take care of application.

    Next day customer care executive told that card application is under process. After 1 week got my Infinia card along with priority pass.
    Received message that “As soon as I make first transaction on Infinia card, Regalia First will be deactivated”

    Rules told by him –
    1. Minimum 8L credit limit is required to apply for card upgrade.

    2. Card is not free, if I spend 1.5L in 90 days then it will be free for 1st year.

    3. For new infinia card application (not for card upgrade) if customer applies for FastTag along with card application then they can offer 1st year free infinia card.

    4. Second year onwards fee is usual 10K +GST, if we spend 8L then it will be waved off.

    Though I am personally expecting that, based on usage they may make it life time free in future.

    Reply
  88. Dhaval Shah

    Dear Sir,

    I came to know that infinia card reward points value is 1 rp / point.

    I have 15000 rewards accumulated but I couldn’t locate any place where i can redeem with full value. Any advice?

    Cash redemption is resulting in .5 rp/point

    Reply
  89. DEEPAK

    Hi Sidharth

    Great blog. I am a regular follower.
    One small question. Is there a limit to the regular reward points i can accumulate? Eg if i make a single payment of 10 lakh, do i get 33,333 points?

    Thanks for your help.

    Reply
    1. Siddharth Post author

      No limits, but I would suggest to make it in multiple txns as this might cause unnecessary flagging & complications based on the type of txn.

      Reply
  90. Shivi

    .@ Dhaval – Quoting a reply to your same previous query on November 19, 2019:

    “MT
    November 26, 2019
    1rp=1INR only for redemptions against flights and hotels on smartbuy portal , rest all 1rp=0.5inr or less”

    Reply
  91. Leo Paul

    Hello Sir
    I am an imperia customer in hdfc bank holding Regalia First card with 5L limit. I travel out of country more-than 5 time in a year. could you please suggest me better card

    Thank You

    Reply
  92. Seyed

    @Siddharth : I have MoneyBack Credit Card with a credit limit of 15L and I have an offer to upgrade to Infinia.
    Should I go for it?

    How many points can we get with an average spend of 6 – 8 lakhs per year.?

    I travel less. Mostly online spending and paying utility bills and dining often in a month.

    Reply
    1. Neo

      @Seyed,
      With a default earning rate of 3.3%, 33% on smartbuy (amazon , flipkart) & 6.6% on dining, you could easily estimate your average points accrual basis your spends

      Reply
      1. Seyed

        @Neo: Thanks for the swift reply. Finally, upgraded the card 🙂

        @Siddharth: Thanks for this highly informative blog.

        Reply
        1. Naresh kumar

          Hi Seyed,
          When you get the card, can you tell us if it’s visa infinite or mastercard variant, i heard somewhere they are now sending Mastercard variant even though the name itself is infinia.

          Reply
          1. Shivi

            The name has always been Infinia. It won’t change; the only thing that changes is the platform and level of membership on which it is based – Visa “Infinite” or MasterCard “World”

  93. Dev

    @Sayed, Can you Please share how did your get such a huge limit on HDFC card. Types of transactions for which HDFC offered limit enhancements . TIA

    Reply
  94. Seyed

    @dev: my only relationship with HDFC BANK is credit card and i use only for buying gadgets and air tickets (personal use only and not for others)

    Last year I got an offer to take Jumbo loan on the card and took it and since then my credit limit enhancement offer alerts comes very often and i recently upgraded the limit to 8lakhs (3months before) and last week they increased the limit to 15 lakhs.

    Last two years
    Limit enhancement(started with 60k)->1.4->2->4->8->15 (lakhs)

    My gadget EMIs are use usually 3-6 months tender and i pay it before due date.

    Reply
  95. varaun

    Hi, am using regalia (lift time free), am credit limit is 9.5L , am Primer customer of hdfc, good relationship with Hdfc.
    Am very interested infinia card , how to get this card, average spend of 6-7Lac , online payments and bills, flight tickets

    Reply
  96. ARR

    Hi Siddharth and others,
    I’ve Regalia with the credit limit of Rs.6,84,000/- since jan 2019. Can I upgrade it to Infinia or DCB? Can I send the upgradation form to their Chennai office without the income documents attached as I don’t meet their eligibility criteria?
    I’m a classic account holder and Credit card holder since 2014. I’m a regular high spender of the credit card in the range of Rs.40,00,00/- annually. I’ve a jumbo loan of Rs.15,00,000/-( I paid Rs.8,00,000/-already )

    Reply
  97. AMIT

    Hi,

    Thanks, Siddharth for the amazing info on the blog.
    Applied for DCB on 24th jan and got it approved last night.

    Quick question, when can i upgrade the card to infinia also are there a lot of differences.
    between the two.
    I have below cards with me
    1.Axis Magnus
    2.Amex Plat Charge
    3.SBI PRIME
    4.Amex reserve.

    Reply
  98. Vikram

    If I have to describe HDFC in one word, I would chose to use CLUELESS. They don’t know what they do. Each person you talk to in their customer care gives you a different answer for the same question. Less than 2 years before I was told that a credit limit of at least 6L is needed for upgrading to Infinia. When I had that much in my DCB already, it became 8L. Now for over a year I have had a limit of 8.5L and all I got was upgrade to the new DCB from the old. Now I have a limit of 10.5L and I still don’t see the option. I have been a HDFC credit card customer for 10 years, savings account holder for 8 years and home loan holder for 7 years. I know people who draw less than me holding this card. This kind of disparity from HDFC is nothing new though. I have not known any other bank that does this. They tell you upfront what’s the eligibility criteria. These guys don’t because there doesn’t seem to be any criteria at all. Whatever you hear from any of their representatives is probably just freshly made up stuff, a fig of their own imagination.

    Reply
    1. Gaurav SIngh

      I agree completely, After having gone through this comment section, its clear that there is no clear methodology at work here. My limit on my Regalia ia 13L and still no upgrade option, However I logged into redeem points website and it shows that at Rs 5L spend this year, it shows CC upgrade 1 as an option, at Rs 8L spend – it shows CC upgrade 2 as an option, my total spend so far is 4.1L so I would have to wait and see what happens at those milestones, I am also an Imperia cust with major Net Relationship Value Like FD’s and current accounts with HDFC but not sure if they make a difference or you just need a good RM, mine doesnt even reply to simple queries. Lol

      Reply
  99. Seyed

    Always accept the credit limit enhancement offer on your existing credit card. Invite for Infinia will happen automatically once the credit limit crosses 8L.

    Reply
    1. Vikram

      I have accepted every credit limit enhancement offer thrown at me. Like I mentioned earlier I had a limit of 8.5L for over a year. Now it’s 10.5L. And there’s another person who has mentioned that with 13L limit he still doesn’t see the option to upgrade.

      Reply
      1. Naresh kumar

        A lot of times the upgrade option doesn’t show up, you have to physically send the upgrade application and they approve it. Do it if you need it.

        Reply
    2. Shivi

      Nah it isn’t auto invite. 8L is just a criteria for being considered for Infinia.

      Reply
  100. Mayank

    Does holding other relationships like salary account, demat account, fd’s, ppf, etc. help in getting infinia card? Can someone list what are the services that really help in getting this card? I have read whole comments from top to bottom but it is too confusing.

    Reply
    1. Shivi

      @Mayank – Additional relationships like the ones you mentioned help you with the Infinia cause. So does high NRV and existing hdfc card with 8 lakh plus limit. They need to be there with a clean credit bureau records however me and a few others got Infinia with rather low spends n low ITRs so the exact calculation are unknown

      Reply
  101. Anuj

    Is it worth shifting from DCB to Infinia, incase you have option to get only one card?

    Reply
  102. Anuj Jain

    Yes, Infinia is better option as you can get all benefits of DCB anyway.
    For partner offer, use instant voucher through smartbuy for myntra etc.

    In addition, you will be get higher smartbuy limit and higher acceptance internationally in Infinia

    Reply
  103. Dr.Ali

    Dear guys..
    I am holding a DCB with CL 9lakh. Recently I tried for a seperate Infinia card as my DCB acceptance in Europe was very poor and the Chennai CC team denied saying one cannot hold two super premium cards. When I escalate the issue, they have agreed to issue me a seperate regalia by splitting my CL. So please advise me which is the best option for me…
    1. Upgrade my existing DCB to Infinia ( already availed the membership benefits of DCB for this year and my DCB is FYF)
    2. Accept the offer and issue a seperate regalia card and eventually upgrade it to Infina, may be by 1-2 years.
    3. Upgrade to Infinia from DCB and request for Diners Preferred by splitting my CL later and eventually upgrade my DC Preferred to DCB again..
    Pls advise guys..which is the best ?

    Reply
    1. Praveen Katiyar

      @ Dr. Ali
      I would have gone for option 3. Take Infinia when you can.

      Reply
      1. Dr.Ali

        Thank you Praveen, i did exactly the same. Got upgraded my DCB to Infinia with a CLE to 12 lakhs. I will chase for a DCB later if it requires as i have availed all the membership benefits for this year.

        Reply
  104. Raman

    Hi,
    I had applied for Infinia upgrade from my existing Regalia (9L+ limit) through my branch RM. Today my netbanking shows available limit on my current card as 0.00 which generally happens when HDFC issues a new card. Does this mean they have accepted my upgrade request?

    Thanks
    Raman

    Reply
      1. Raman

        So will I just receive my card in post? I have not received any communication by email or sms regarding the upgrade.

        Reply
  105. Y

    Hi Siddharth, I have a new DCB card (3610) with 10L limit and its LTF. If I send an infinia upgrade form to chennai, will the upgraded card continue to be LTF?

    Reply
  106. hrishikesh

    As i have checked on Hdfc website the infinia card has only 2 benifits 1)unlimited lounge access vis PP 2)Club Marriot.I have the same lounge access via Yes First Exclusive Card(I hope its not dead) and Club Marriot via my Axis Bank Select card.I also have regalia first which i use in diwali or festival period for offers on HDFC cards.Do I still need infinia.Does it offer any other benefits which I dont know.Can anyone explain.

    Reply
  107. Aryaman

    I just received my Infinia, add on too… Mine was a little harder. I do have 40 lakhs ITR and my family accounts and so on… due to some past history (12 years ago I didn’t close the card properly, agent said he will settle and get the NOC but didn’t do it.) Because of that they refused to issue any card. I had to pressurise RM for an year. He issued DCB to my wife a few months back. Finally I got Infinia.

    A few things to mention / ask here.
    1. I use Amex Plat Travel. I feel Amex is giving more returns than what DCB has given when I compare both. For 4 lakhs I get 10k Taj voucher then 23k worth of Airline vouchers. DCB will only give you 13333. Considering not all expenditure will be SmartBUY>Amazon 10x thing. Let’s assume on the whole it will be 2x then its 26k. But we need to spend 10 for renewal fee. Only if I spend 8 lakhs I’ll get minimum of 26k points + plus whatever 2x/10x.
    *Not a great fan of lounges anymore… these days they are over crowded. No premium category or anything. Plus, I have enough Yes Exlusive LTF as well… with unlimited lounges and other debit cards that are enough.

    2. Why do you guys use Credit Card for international travel instead of Forex card. For CC, they charge foreign conversion fee 3.5% + transaction (markup) fee 1.75-3.5%. Together the min amount will be 5.5%. How does it make sense to spend so much more money just for some lounge access?

    Please feel free to share your opinions.

    Reply
  108. Aryan

    So Axis bank started reducing credit limits by 90 % approx. Many card holders got the sms yesterday from Axis in this regard. Some had limit of 7 lacs now reduced to 70k .

    Reply
  109. Seyed Meeran

    Hi,

    My cibil score report showing the wrong credit limit. It is showing only 33% of the actual credit limit of my Infinia Credit Card.

    Is it normal or should I report and ask them to update it.? Please advise because it is affecting my credit limit utilization.

    Thanks

    Reply
  110. SHOCHAND

    Hi I have buisness regalia limit with 11.5 L n also imperia account with hdfc but infinia card is not offered to me yet please help

    Reply
  111. Matt

    Hey Siddharth,

    I’ve been following your blog a while. I’ve had Regalia First card, which got upgraded to Regalia (Limit 4.3L) in around 6-8 months. It’s now been 7 months since the upgrade. I spent around 1L per month (Gave add-on card to my friend who is doing all the heavy purchases) on my Regalia card . My ITR is around 14L. I have an 8 year old Salary account with HDFC and no other investments or loans. As far as the relationship goes, all I can say is, there’s good amount of billing happening on the card. Do I stand any chance to get a DCB or maybe an Infinia, if I set my hopes to sky.

    Reply
  112. Sandy

    I have yearly spends of above 25 lakhs of which about 5 to 8 lakhs are domestic spends like insurance and above 18 lakhs in international sites charging in Euros for various fees.Right now I have SBI Elite and HDFC Regalia both with Foreign currency FCY mark up of 2%.I am looking for cards with maximum cash back towards outstanding card payment (1st preference) then followed by those with air miles or good reward points redemption like HDFC Infinia. The card must be with Zero or upto 2% FCY. I would like to upgrade Regalia plus global value program as above 8L spends there are no bonus reward points .SBI Elite has bonus till 8 Lakhs and annual fee waiver after 10 L spends.After that its only 2 RP per 100 Rs ie, 50 Ps /100 Rs.

    Please advise a better option or combination for me including Forex cards & credit cards. I have short listed HDFC Insignia / DCB (2% FCY) , Axis reserve (1.5% FCY) , RBL World Safari (0% FCY) I checked with banks for Axis Burgundy Privilege CC & SC Ultimate but said its difficult to get.(I have SC Manhatten too but not using it much and Axis Burgundy debit card)

    Please advise a better option or combination for me including Forex cards & credit cards.

    Sandy

    Reply
  113. Varun

    The spent of infinia was 7.98 lacs for this year. I didnt realize I was just short of 2k to achieve 8k threshold but HDFC bank deducted the annual fees of 10k+gst for same. Can I ask them to reverse them. Will they honor it.

    Reply
    1. Ashish Nikhare

      I doubt they won’t !
      You can easily keep track of your Milestone spends & milestones reached. Its a very useful feature. Login to netbanking. In cards section, click Enquire, then click Redeem reward points, select your card and click Continue — Opens a new Pop-up window of “HDFC Bank My Rewards”. Click My rewards tab – then click “SPEND PROMO DETAILS”. Here you get to see all the milestones of
      –Welcome benefit,
      –Monthly benefit &
      –Annual membership benefit.
      Easily track your milestones from here.

      Reply
    2. SUNIL PATEL

      Drop them an email explaining the same, I believe they will be more than willing to help you out.
      Regards.

      Reply
    3. Ashu

      Yes, they should reverse it. In my case i spent 3.5lac on DCB, They reverted annual fee, i paid gst of 1.8k.

      Reply
  114. Binay

    Hey Guys,

    Need Help here.

    I already have a Diners Club Black, with a good limit and good ITR.
    I requested for HDFC Infinia as well from my RM.
    They keep telling me, HDFC doesn’t issue both cards to the same person and offer to upgrade DCB to Infinia.
    When I tell them, I know ppl who have both cards, they ask for PAN number.

    Please suggest how to get both cards.

    Reply
  115. Vikash Kumar

    I have diners black card with credit limit more than 11 lakhs. How difficult is it to get upgraded to infina card

    Reply
    1. Vikram

      There’s no specific requirement that I know of for becoming eligible to upgrade to Infinia. It’s seems to be completely random. That has always been a problem with HDFC all along. And their customer care is clueless about anything the bank does. I have been holding the Diners Black for 4 and a half years now and I am still not eligible for upgrading to Infinia they tell me. In this time my credit limit went from 3L to 12.55L but still I am not seeing the option. First they said 6L min limit on DCB or Regalia is needed for the upgrade. Then it became 8L. Then they said monthly take home must be at least 3L but none of them who currently hold the card have that much take home. I currently have a credit limit of 12.55L and I still don’t see the option in my netbanking. I am going to talk to my RM one last time and if he’s still not able to get me the Infinia then I believe that I must get rid of the DCB card and get a card from some other bank that values it’s customers. I am a HDFC credit card customer for more than 10 years, held a Salary A/C with them for 3 years and have a home loan with them for over 7 years now and still this is what I get.

      Reply
      1. Anshul Kothari

        If limit on your DCB is >8 lacs, then you can apply for upgrade – it should be upgraded as per the HDFC CC guy my RM connected me to..

        Reply
  116. Archit Manoj

    Guys, now we can get infinia from hdfc credit card page when you apply for new card . it showed me i can apply through online without hassle of going through RM and all. I have ITR needed for card so thats why its showing me maybe

    Reply
    1. Pranab

      Most of the cases, Infinia card approval works in this way only. Almost every Infinia cardholders got their card in this way. RM have very limited say on cards like Infinia.
      Also it’s not necessarily be meeting the ITR criteria. Again most of the cards are approved without bringing ITR in the picture.

      Reply
  117. Vikram

    Alright. Spoke to customer care and expressed my displeasure about over not being able to contact my RM and even if I did him showing little interest in getting my DCB with 12.55L credit limit upgraded to Infinia. They said the other option I have is to visit a branch, any branch and needn’t be your home branch, and tell them that I am interested to upgrade to Infinia as the branches have the authority to do it. I went to my nearest branch today and spoke to the manager. He checked with the person in charge for the cards and that person spoke over the phone to someone else and came back and told me that it is not possible to upgrade from DCB to Infinia at all as both cards are equal. I was shocked. He however said that there’s another way to approach. He said I need to write a letter mentioning that I don’t want this DCB card and instead want an Infinia card. I did that. Hope I don’t end up with neither. Even if that happens in a way I would be happy. I can go ahead and apply for a card from a bank that knows what they’re doing and is more prompt in their responses and treats customers well.

    Reply
    1. Vikram

      Alright. After about 2 weeks of initiating the process to upgrade from my DCB to Infinia through the branch closest to me, I just got a call from the bank. It seems that the response they received was that they no longer process upgrades through RMs and branches. The only way one can get an upgrade to Infinia is if they see it in their “Request Upgrade” option in their credit card page of their account. I have never seen a Bank more pathetic liars. Well if they don’t want to upgrade my card they should have the guts to tell that upfront. Why give such crap? I know RMs who have successfully done upgrades for their clients. I know branches have done too. In fact their own customer care personal told me that if I am not able to reach my RM then I can very well have it done through my branch. They asked my credit limit and when I said it was 12.55L they said I can very well have it done as I am well above the eligible limit. I am soon going to get rid of this card once and for all. HDFC clearly doesn’t treat everyone equally. I have been their credit card customer for 10 years, I also hold a Home Loan with them. And this is what I get? Enough is enough.

      Reply
      1. Srikkanth

        Give a try of sending credit card upgrade form to Chennai address , with the limit of 12 lakhs that u r having on dcb , chances are very high to get Infinia

        Reply
      2. Shivi

        Vent. Venting is good. Although had you only gone through the posts in this thread, all point out to one single and simple process of getting Infinia after 8 lakh CL on your existing hdfc card and that is to send the upgrade request form to their head branch. Nothing more, nothing else.

        Reply
        1. Vikram

          I had actually done that long time before but I think back then my credit limit wasn’t 8L. Maybe I will try it out again. But it was the same form that I filled once through my RM and the second through my home branch. I mean they downloaded the exact same form from forms center and made me fill it and sent it to the head branch. They also attached a letter from my home branch’s head approving my request. I am not sure if doing it by myself is going to make a difference. Anyway I will try that again, too. Thank you for the guidance.

          Reply
      3. Jay

        I know the feeling, I have escalated a complaint as well, will take it till Parag Rao, inform him how shitty things have become and then cancel all our cards. HDFC is treating its existing customers like garbage.

        Reply
      4. Murali

        I was also in same situation to upgrade my DCB (12L CL) to Infinia. RM/Branch is not helpful. They are only interested in investments.

        I had sent mail requesting to upgrade in 1st week of October ’20. ([email protected]) They asked me to send scanned copy of upgrade request form (you can download from HDFC Bank website). They took 1 month to confirm the same and finally upgraded to Infinia at the start of November ’20.

        You can directly send scanned copy of upgrade request form to above mail id. It will be done.

        Reply
        1. Vikram

          Thank you for sharing the process through you got yours upgraded. I will try the same too. Did you just send a scanned copy of your upgrade form or did you have to attach your payslips and bank statements too? The form does ask for it and that was why I wanted to know.

          Reply
        2. Vikram

          Sent the email yesterday and got a response asking me for a self attested latest payslip. This is what happened last time too when I went through my RM and they came back saying that the take home must be at least 3L. If that’s what they expect then why even ask me for the payslip? Why can’t they just ask me it and say the value and tell me that I am not eligible. Also I don’t understand the difference. How would they ask for different things from different people. I don’t think this is working out. Looks like I am out of options. I am making futile attempts trying to clink on to HDFC. I must learn to let it go.

          Reply
          1. Vikram

            These guys make piss me off but also make me laugh at their randomness in handling things. I decided to make one last attempt by sending the details they’d asked. They asked for a letter requesting for the upgrade, latest payslip no older than 45 days, Office Id Card or Visiting Card copy. And all these needed to be self attested too. So I had printed them out and sent all of that as one PDF and guess what? I got a response stating that the file size is over 2MB and that’s not allowed it seems. They asked me to send the documents as separate attachments with each attachment not exceeding 1 MB. I managed to separate the pdf into separate pdfs and send it. Now they’ve said that they’re analyzing and will respond to me within 3 days. I don’t think they will respond that early. Anyway this is the last thing I am doing. If they still prefer not to upgrade my card I think it’s time that I just moved on.

            I mean HDFC has not been genuine to me ever. Everyone I knew got points for the annual fee they paid for their DCB card. Even here in some posts about it. But in the 4 years I have had the DCB card I have paid 5K 4 times and never once got points for that. I spoke t my RM about it and he says that it’s impossible and they don’t give points to anyone for paying annual fees. He even asked me to provide me the details of someone who was receiving points like that so he could check and update me. I declined from providing such details as it could end up causing that person the points too. This is totally unprofessional.

            The main reason I am sticking with them is that the HDFC card is the one that I have had with me the longest. It’s over 10 years now. Not just the sentimental angle but it’s also better not to surrender the card that you’ve had with you the longest as per the advise of many financial experts. Whatever it is the bank doesn’t seem to share any sentiments.

  118. Sunil B

    Hi Sid, Great review and i have been following this site for quite a while.
    I started owning my first HDFC CC (Diners black) and it has been couple of years.
    Now my credit limit is 12L for the Diners Black and i have a ITR ~ 40L
    i was behind the branch RM for Infinia upgrade for some time but the RM kept changing.
    i still want to get the Infinia. What are the alternate best chances?

    By the way, my yearly spend on the CC is 10L on an average and I am a frequent overseas traveler (once a month or two)

    Reply
    1. Siddharth Post author

      Sending the upgrade request document to Chennai address should do, but do it after the ban on HDFC is lifted.

      Reply
      1. Vikram

        Sid, do you mean the Card Upgrade form that is available in their Forms Center link in their website? That clearly asks for the Payslip. How do you guys get over it? When I didn’t send it they rejected stating no supporting documents are attached. How’s it that others get around it? Or is there a separate upgrade request form somewhere else that I am missing to notice? If so can you please point me to it?

        Reply
      2. Praveen Katiyar

        @Sid, I sent during the ban period, got Infinia approval.. ban I on new cards.. I think upgrade are different category.. as I see a lot of people getting approved during this ban.. they are less strict these days..

        Reply
  119. Priya Ranjan

    This is my first write here.
    1.I had my first credit card – SBI Gold in 2010, now I have Prime, did not want SBI Elite.
    2.2nd card – Diners Black in 2019 after going through Sid’s writings in this forum.
    3. 3rd Amex MRCC in 2019.
    4. 4th Amex Platinum Travel in 2019.
    This year also got a offer for Amex Platinum Metal Card, with 125000 opening rewards, but did not accept as I won’t be using it much.
    5. Also got Amazon Pay Card in 2020.
    6.Got Yes Bank First Preferred in 2019, now upgraded to Exclusive.
    7.Got RBL V card recently.
    Now my DCB has a good limit, but when wanted Infinia, they did not recommend. So I escalated to Chennai through grievance forum. They agreed for it and approved.

    Reply
    1. Vikram

      I am not sure why HDFC is so biased. I sent an upgrade form and they said that the supporting documents like the Pay Slips and Office ID Card/Visiting Card copy are missing and rejected it. I called up customer care and they asked me to go through RM. RM tried, or at least pretended so, and came back and told me that only if the offer came from the bank I can upgrade and not just if I wished. He said the other option is if my take home was 3L+. I already knew many who didn’t have that much take home salary but held it.

      Then off late they asked me to try through the branch and again got a response that it’s not possible through branch or RM any more and I can only apply if the offer as there on my netbanking login. Then I tried through this grievance redressal forum and they too asked me for my latest payslip and id card copy. Sent it and they told me that they were very sorry that they can’t upgrade my card right now and asked me to continue using this card.

      I responded saying that I understand that and I too am very sorry because I can’t take bias and disparity and that I am going to cancel their card. It’s been over 3 days and they haven’t had the courtesy to even respond to me. Seriously never have seen such a pathetic customer service from any other bank.

      Reply
  120. Priya Ranjan

    Also, came to know that after upgrading to Infinia, they are no longer issuing Addon cards due to RBI restrictions. I don’t kown how it will be applicable since I am not a new customer to source a card. I think we have to manage without Add on cards for this period.

    Reply
  121. Vikram

    Don’t know why many of my comments are not being approved. All of them follow the expected norms in here. Not sure if this will make it at least. I wrote their priority redressal stating that since they are not willing to upgrade my card I had no option but to cancel the card as I don’t take bias and disparity very well. They replied that they were disappointed with me and let me know that I will have to cut the card diagonally and enclose it along with a letter and send it to the mentioned address for them to proceed with the cancellation.

    I mean this is a new low. Disappointed with me? What does that even mean? I wonder if their system is hacked into and some crook is sending this kinda emails or if this is how they’ve planned to treat me.

    Reply
  122. Vikram

    All right. I’ve reached my breaking point. It’s now my time to give it back to HDFC. I cancelled all the autopay bills I’d configured on my DCB. Had been using this feature for almost 7 years. Added them on to my Yes First Exclusive card. I am not going to use the card anymore. Since I had spent over 7L last year I won’t be charged the renewal fee for the year. I can’t cancel the card immediately as I had made some flight bookings with points on it. Indigo has already returned the fare but Spice Jet hasn’t yet. If they do then I will need this card to receive the refund in. Once that is done I’ll be saying good bye to my card relationship of over a decade with HDFC. It’s gonna be a bit difficult but when it’s obvious that they don’t share the same sentiment I believe it’s time.

    Reply
  123. Amit kumar

    Today get ltf infinia on net banking for both me and my wife regalia card

    Reply
    1. Ajai Singh

      Double check if its LTF or FYF because I also got the same and its FYF but says 0.0 in yearly fee.

      Reply
    2. Ajai Singh

      “Upgrade to Infinia Credit card : No annual membership fee would be charged on the first year. From second year onwards Annual Membership fee of Rs. 10,000 +ST would be applicable. For Spends of Rs.8,00,000 and above in a year, subsequent year’s annual membership fee will be waived off.”

      from T&C

      Reply
      1. Amit

        Bro i checked with customer care and they says LTF AND I TRY IT WITH MANY CC EXECUTIVES AND MY WIFE CARD ALSO UPGRADED TO LTF INFINIA AND MY PREFFERED SB ACCOUNT IS ALSO BECOME IMPERIA ACCOUNT AND THEY ALSO GIVE BUFFER LIMIT ON INFINIA CC .

        Reply
        1. Vikram

          Try mailing them to confirm because their customer care, from my experience, have no clue of what’s going on with respect to anything. You won’t believe that they once argued with me that there was no card called “Infinia”. I asked that person to go check their own website. Then the person told me they will check with their superiors and came back and told me that it’s invite only. So don’t go by the word of the customer care.

          Reply
          1. Amit kumar

            Bro i confirmed by mail for both me and my wife both are Ltf

  124. Amit kumar

    Friends my question is that is infinia card holder is auto eligible for imperia banking service pls share your experience

    Reply
    1. Prashant Gupta

      No. Imperia has separate eligibility criteria. But imperia helps in getting Infinia.

      Reply
  125. Vikram

    My RM has changed and he had called me a couple of weeks before. He pleaded with me not to close the card as there’s a high chance of me getting an invite during the Christmas and New Year time. He checked my details and said that I was indeed eligible and he himself has gotten Infinia in the past for people with lesser limits/salary etc. So he asked me to not close the card ac in haste and instead wait. I got another offer to upgrade the credit limit to 14.55L from 12.55L. This means that my credit limit has increased by over 6L in a year’s time. And that makes me wonder why I haven’t gotten the invite to Infinia yet.

    Reply
  126. Ajai Singh

    The No Pre-set Spending Limit “NPSL” is nothing but a big confusing question mark of a feature. I offcourse took what the RM had said at face value “3-4x temporary LE of your limit after approval” but when I tried that in practice 2 days back for business spends of 42lac was told by CC that its not possible the temporary limit increase is less than inital limit and that I can do the swipe and then pay then again swipe till I spend 42lac 🙁

    In the end paid via RTGS and seriously thinking of getting Amex Platinum “Upgrade from Reserve”

    Reply
    1. Shivi

      …….you are still asking the RMs!? NPSL Infinia was always 1.5x – up to 2x the limit.
      Amex Paltinum too will not give you free hand in credit. You need to check it on their website/ with customer care whether or not your “over the internal credit limit” expense will be approved.

      Reply
  127. Praveen Katiyar

    Just a quick question, if I have two HDFC card (Infinia + Diners Club Miles), do I get two separate limits of 5K to purchase Amazon Vouchers or just one ? Basically is it per card or per smartbuy account ?
    If it’s per account, any bypass available ?

    Reply
    1. Pranab

      It’s 5K per month per card per Smartbuy account.
      So you can use second Smartbuy account (different mobile number) and get the 2nd 5K vouchers.

      Reply
    2. Anshul

      You can buy 10k worth Amazon vouchers, 5k on each card. Use different Smartbuy account for each card (having different phone number and email). Use one card at same Smartbuy account everytime. Do not mix cards or use them interchangeably, else they’d get blocked.

      Reply
    3. Chandrakant

      The 5K limit is not per Smartbuy account. Actually you don’t even need to login your Samrtbuy account. The limit is per Gyftr Account. Create multiple Gyftr Account with different mobile number and email id. The limit is per card per Gyftr account.

      Reply
  128. Shivi

    My latest Infinia statement is showing base RP earned against each & every transaction. Finally the much needed feature! \o/

    Reply
    1. Pranab

      Are you sure? For me, it’s still the same. Statement generated on 2nd Mar.

      Reply
      1. Shivi

        Lol… what do you mean whether i am sure? It’s on statement! Breakup of base Reward Points, bonus reward points, redemption against transaction. Infinia statement ~ Mar 2

        Reply
        1. Siddharth Post author

          Nice find Shivi. Just got the stmt and covered it in detail.

          Reply
    2. Ak

      Wow, I got my statement in email. I still see old template only. Not like you have mentioned.
      I wonder why 😖

      Reply
  129. Aditya Patankar

    Hi,

    I recently noticed you can buy flights from flipkart and they provide some decent offers through their partnership with Ixigo. Now, smartbuy provides 10x reward points for transactions on flipkart. Does it apply to flight tickets as well? Anybody tried this and verified on points accrued?

    Reply
    1. Shivi

      Smartbuy provides 3x reward points for transactions on flipkart

      Reply
    2. AbhiKohli

      No. From what I know, Smartbuy provides 3x only on Flipkart

      Reply
    3. Sandeep Kumar

      Only 3x on Flipkart and 5x on Amazon.
      Offer is not applicable on Amazon and Flipkart on following categories –
      Flight Bookings, Prepaid / Gift Cards, Bill Payments & Recharges
      Purchase of Video Gaming Consoles & Hardware
      Prime membership
      Amazon Fresh orders
      Amazon Pay Balance
      Jewelry / Gold coins or its equivalent

      Reply
  130. P M

    I recently upgraded DCB to infinia as FYF, and my DCB points are all transferrec to Infinia. But I haven’t received the 9x reward points for previous spends on DCB. Usually these updated at the beginning of month.
    Is this expected? Do we loose the pending 9x reward points on old card?

    Reply
    1. Namit

      Since your card was upgraded, You will get all the points that are pending, in your new card.
      If still not credited by next month, then Call customer care and let them know about all the transaction details for 9x

      Reply
    2. Chandrakant Agrawal

      You will definitely get your 9x point. If not received call customer care.

      Reply
  131. Balpreet Singh

    Hi All,

    Finally got my hans on the Infinia card.

    Branch team pushed hard for me. The BM along with RM put all their efforts and sincere thanks to them.
    Earlier today on 19th March, I finally got the box. It had both primary and addon card. Also the 2 PP cards too.

    Thanks for Sid and everyone contributing on the forum. Now whatever purchases that I could not make on DCB will get routed to Infinia.

    Regards,

    Balpreet Singh

    Reply
  132. Priyansh

    So finally got my DCB to Infinia upgrade approved. (Though only FYF vs LTF there).

    But hey, not complaining at all.. This should be extremely helpful to reach 1l+ points a year now with 15k smartbuy limit a month.

    Will miss ola 10x on Diners but else, definitely excited… 🙂

    Reply
  133. PS

    I am really thankful to Siddarth for his efforts and educating people with awesome content.

    I have to say something about my stupidity. I got my only credit card(LTF) in 2012 from HDFC and was using it. In 2018, my neighbour (HDFC mid senior employee) opened my account in HDFC bank and offered HDFC Diners Black but I denied saying I am happy with my very basic card. Not knowing benefits of dinner black. After 1 month got notification about Dinner Black upgrade but ignored.

    In March 2019, I moved to Bangalore from Delhi and explored lounge. Just after few days my cousin told me about smartbuy portal.

    I talked to various people in HDFC and visited a couple of branches. It took almost 2 years to get Dinner Black in May 2021.

    In those 2 years, my total spend on card was around 9L. A big chunk of it was on Amazon and Flipkart. I could have earned 2L-3L reward points but missed the train.

    Reply
  134. Balpreet Singh

    Hi Sid & Others,

    I read on the T&C pdf for Infinia about Domestics lounge access via Visa / master is limited ot 4 per quarter. Some how I had an impression its unlimited. Has it been the same always or got reduced recently.

    Another question on Priority Pass that I have via Infinia, can I use that in domestic lounge too or its only for internationl lounge ( india and abroad)

    Reply
    1. Siddharth Post author

      Visa comes with limits. Not sure about the MC, most likely the same limit.

      You can use Infinia issued PP in domestic as well. Doesn’t carry the charge unlike other PP cards.

      Reply
  135. Shubham

    Hi Siddharth

    What difference (if any at all) is there between the Infinia usual and Infinia NRI card?
    I have been working in the UK for the past yr and am planning to open an NRE/NRO account with HDFC (convert my existing Imperia account) and want to apply for Infinia credit card. I currently have Diners Black which they wont upgrade to Infinia anyway.

    Reply

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