HDFC Bank Infinia Credit Card Review

By | July 21, 2019

Last Update: 1st May 2019

Hdfc bank – the pioneer in credit card industry has come up with a unique offering few years back for ultra rich Indians – the Infinia credit card. As the name signifies, it denotes limitless possibilities in every aspect.

This is one of the best super premium credit card in India that every credit card enthusiast would dream of. It offers maximum benefit, starting from lounge access to golf courses and even the credit limit.

  • Annual Fee: Rs.10,000+GST (You get 10k points ; Waived on 8L spends)
hdfc_infinia_credit_card

Infinia Credit Card Review – One of the Best Credit card in India

High Credit Limit

  • Minimum Limit: ~8 Lakhs

Infinia Credit Card falls under “Visa INFINITE” or “Master Card World” and comes with a minimum credit limit of 8-10Lakhs. It might as well come at lower limit when the limit is split or when the ITR is not as expected.

Yet, there is no issue when it comes to Credit Limit on this card as it has unique NPSL* (No Pre-set Spending Limit) feature, which means they may “temporarily” increase the limit if you inform the “Infinia Support Team” prior. This feature is unique to Infinia and is not applicable to any other HDFC card.

Reward Points

You get 5 reward points for every 150.rs spent anywhere and everywhere – Wallets & fuel excluded. This gives you an equivalent amount of Rs.3.30 for every rs.100 spent, meaning you can easily save Rs.3,300 for every 1 Lakh you spend on the card.

Not just that, you can save 2X if you spend on dining & airvistara/hdfcbankinfinia website. That’s equivalent to Rs.6,600 in savings for every 1 Lakh spends.

  • Default Reward Rate: 3.3%
  • Accelerated Reward Rate: 6.6% (2X on Dining/airvistara/hdfcbankinfinia)
  • Accelerated Reward Rate: 33% (10X with limited partners)

Unlimited Lounge Access

With Priority Pass membership, you can get unlimited access to airport lounges across the globe (both domestic & international). One of the biggest advantage of this card is that even the supplementary card member gets unlimitedΒ lounge access.

Note that your Priority Pass wont be charged even on domestic swipes, unlike other HDFC cards. Apart from priority Pass, you may also use your “credit card” itself to get access through Visa/MC Lounge Programme.

Lots of savings and peace of mind during travel by resting in a comfortable place. With Lounges, you have access to complimentary food, wifi, coffee, posh interiors, etc.

This is quite beneficial if you travel with your partner/children.Β Thinking of a World tour with family and free lounge access everywhere? Infinia Credit card is for you!!

Foreign Travel is Rewarding

  • Foreign Currency Markup Fee: 2%+GST
  • Reward Rate: 3.3%
  • Net Gains: 1%

It has the lowest 2% foreign currency markup fee, making it the best card to swipe abroad. I should say, HDFC Bank Infinia credit card is the best credit card for international travel you can ever have.

Premium Customer Support

Connect faster with dedicated Infinia customer support who can really understand your queries, unlike regular HDFC support. Note that the Diners Black & Infinia share the same support and they’re usually knowledgeable.

Their personal Concierge service can save you a lot of headache with your travel planning. Be it limousine transfer or taxi or hotel or whatever.

I personally use concierge to redeem reward points, for ex: I just send them my big flight itinerary and let them book it all. I just need to say: yes, yes, okay – over the call πŸ™‚

Attractive Cover

  • Credit Shield: 9 Lakhs (in case of accidental death and permanent disability)
  • Accidental death (By Air): 3 Cr
  • Medical emergency cover: Up to Rs 50 lakh against medical emergencies during travel abroad.

So you don’t need to take a separate Travel insurance when you travel abroad – Infinia covers you all. Apart from that, you can also withdraw cash of upto 40% of your credit limit without any cash withdrawal charges, however, interests will be applicable.

Getting Approved

That’s a million $ question, though, after knowing good # of the Infinia cardholders for a while, i can say: its not a child’s game. Most HDFC Premium credit cards are issued/upgraded based on the credit limit, but Infinia needs more that just limit.

For Fresh Card: You need 45L ITR to get a fresh card. You might still need to open HDFC Savings A/c to process your request.

For Upgrade:Β They do relax the income criteria a bit with below expectation:

  • High Limit on Existing HDFC Card
  • Very High spends on existing card
  • High Relationship value: More than “Imperia”
  • Maximum exposure to other HDFC products: Current a/c, Demat, Insurance Policies, Loans, Family accounts, etc.

In other words, you need to be a real High Net-worth Individual, or, should have given decent profit to the bank in the past to get approved for Infinia.

So wondering why the rules are bit strict? Well, what if you swipe your lovely Priority pass 50 times a year? Who pays for it? Its surprisingly YOU πŸ™‚

They give back what they have earned from your past relationship with the bank – those profits they made on interests, loans, insurance policies, etc.

Update: I recently got upgraded to infinia. Check out my hands on review of Infinia.

Bottomline

Unless or until you’re so much bothered about air miles, there is no better credit card you can ever have in India except Infinia, especially for Priority Pass. However, as you see, getting approved for one is not that easy. If you’re finding it tough to grab one, consider going for Diners Black Credit Card as its even better with 10X rewards, yet acceptance is not guaranteed.

Next best isΒ Regalia credit card which stands one step below Infinia. Impressed about the features? Do share your views in comments below.

  • CardExpert Rating: 5/5

Still confused as where to start? Drop your comments below, or Catch me on call, i can come up with a bespoke solution based on your financial situation to help you get one. Check out my Consultation page.

434 thoughts on “HDFC Bank Infinia Credit Card Review

  1. Kumar

    You need to take the annual fees of the card when you gush about the 3.3% discount. Does not seem seem too great against a 30kfee to get in.

    Reply
    1. Siddharth Post author

      Annual fee is waived off on 8L spend. It surely make sense to have the card only for high spenders and airport lounge lovers πŸ™‚

      Reply
      1. srinivas sai

        will there be additional annual fee for add on cards for other family members.

        Reply
      2. Gaurav

        Hi Siddharth, The HDFC website says that the travel insurance on the INFINIA card does not qualify for obtains an travel visa. Also, the same is valid only for international travel for a maximum period of 30 days at a time. Will this apply to the medical insurance too. Kindly do advice.

        Reply
        1. Ankit Malpani

          Dear Siddharth, Pls let us understand that the Infinia Credit Card is being provided to limited or specified customers who are having good relationship with bank and falls under the category. I have got an offer to upgrade this card to Infinia Credit Card but why this card cannot be provided life time free. It really seems that the bank is trying to check the customer credit thats why charging so much higher yearly fees. Awaiting for your reply.

          Reply
  2. Vishnu Uday

    Hi Siddharth,

    Any ballpark income eligibility for a salaried individual with decent past credit history? Thanks

    Reply
    1. Siddharth Post author

      Vishnu,
      12L+ on IT is a good number for them to consider,
      But some guys i knew have received it as they have better relationship value with bank. Completely depends on the customer profile and HDFC doesn’t have any pre-set rule for the same.

      Reply
  3. Pulkit

    Hey,
    how can I apply for this credit card? I don’t see any option.

    Thanks,
    Pulkit

    Reply
    1. Siddharth Post author

      Pulkit,
      Its invite only card. You should ask your RM or visit branch.

      Reply
  4. manoj dharmarajan

    Dear Sidharth
    you have said that annual charges are waived off if u spend 8L per year. i couldn’t find any such link anywhere. could u list the link on your website ? right now, i hold a Regalia card although my spends per year are much more than the desired limit

    Reply
    1. Siddharth Post author

      Manoj,
      I can see that its not mentioned anywhere now. But i happened to see it earlier (an year back). maybe they’ve changed the policies now. Better to have a word with HDFC support for more info.

      Update as on Oct 2019: Is now mentioned on website.

      Reply
  5. Arjun B

    Have you heard cases where this card is offered as a lifetime free card? I currently have a regalia card on which I have spent about 6 lacs in the last 8 months that I’ve had the card. Wanted to know if I can get a lifetime free upgrade.

    Reply
    1. Siddharth Post author

      Drop them an email and give it a try. If your income on IT and relationship value is good enough, they may issue infinia as LTF.

      Reply
      1. Vineet

        Hi, when you say unlimited access to airport lounges it’s only for priority pass holders. The guests meaning spouse and children are not included? If you get an add on card for spouse then they will have their own priority pass but what about children? They will still pay?

        Reply
        1. Prashant Gupta

          Thats obvious you need one more card for children….you can use any other bank PP or credit card for access.

          Reply
          1. Mickey

            Prashant – how can you get a Priority pass for children?? I tried with SBI Prime and Regalia but they don’t issue PP to kids

  6. sj

    My relation ship manager said one need 25 lakh plus ITR for Infinia , I have 14lakh and he said he will try but not sure. Fees is only 10,000 and not 30K . what are other 2 -3 cards which offer free unlimited lounge access worldwide and to add on card too. Thanks

    Reply
    1. Siddharth Post author

      You can get easily with that IT if you’ve used the other card with HDFC for an yr or so. They either need your usage history or sky high IT.
      Citi Prestige has unlimited access as well.

      Reply
      1. RAMESH

        Sir I do hold a regalia card with 10.00 lacs credit limit. I am Banking with HDFC since 2011 and using digital products of HDFC. IAM a salaried official and my GRoSS ANNUAL INCome is Rs. 14.00 lacs excluding additional rental income of Rs. 2.50 lacs. My net take home pay is Rs. 5.00 lacs p.a . My card is due for renewal in Sept 2019. I had applied for LTF Diners
        black / infinia card. Will the bank consider my request.

        Reply
      2. Murali

        Hi Sidhanth ,

        I have a ITR of 16L yet was rejected for infinia, area head in Chennai says they need 40L ITR .

        Reply
  7. srinivas sai

    I GOT ADD ON INFENIA CARD FOR MY WIFE. WE DO TRAVEL. A PRIORITY PASS CARD WILL BE REALLY HELPFUL. SHE DID NOT GET Priority Pass card WITH THE WELCOME KIT. SHOULD I APPLY FOR IT.

    Reply
    1. Siddharth Post author

      Yes, for Add-on Cards, you have to request priority pass Card separately over Infinia Helpline.

      Reply
  8. Sumit

    Finally I got invitation for infinia card after on after one year old regalia i got invitation call on my birthday date 2 August one thing I noticed that with hdfc bank that who use card very less like me they give more offers i got this card with only four years old credit history with hdfc bank and i have used only single card and one interesting thing I want to tell you i paid all of my credit card bill before the statement generated date and my use is on my regalia is only 1 to 5% of credit limit and while upgradation limit on my old card is 3 lakh and iam a farmer by occupation with no itr

    Reply
    1. Siddharth Post author

      Maybe they’re issuing as your 4 yr track record is good, also depends on how much balance you’re maintaining on your Savings A/c.

      Reply
  9. VK

    I tried hard to get Infinia card, however it has been rejected. I am an Imperia customer and holding Regalia from a very long time. My banking history is very good with very high balance maintained. Inspite of this, my request was rejected stating that take home salary should be 3.5 lakhs.

    Reply
  10. Tarun

    Hi Siddharth,

    Thanks for the awesome blog post. I am a super high spender. (2-3L spend a month). Which card should I opt for (Infinia or Regalia).

    Reply
  11. Sumit Kumar Verma

    Hey Siddharth….a very informative forum indeed!

    could you do an article on best credit cards for all categories please?

    thanks.

    Reply
  12. Gaurav

    Hi Sid,
    I already own an Amex Platinum Card.
    Want to go for another Card with a premium feel but a Master/Visa that is accepted everywhere.

    Which one shuld I go fr.. Spends on my new card will be ~2 LPA.. as I plan to limit my spends on AmEx to 4L.. for Maximum benefit seeking. Also, I splurge a lot o f money but dont like paying much for an Annual/Renewal Fee.
    Was considering Regelia.. Heard they are downgrading it.. Still worth it? Or something else?

    Reply
    1. Siddharth Post author

      Regalia is still good. You can also checkout Yesbank/SBI cards. And of course Infinia if you’re eligible.

      Reply
    2. Abhishek Roy

      AMEX Platinum is a top of the line charge card in India. It comes for a cool β‚Ή50K/annum fees. I guess, you wanted to say AMEX Platinum Travel Card.

      Reply
  13. Manu Puri

    Hi Siddharth,
    Nice forum, I am a regalia holder i think since atleast 4 – 5 years. They have steadily increased limit to 6 lakhs which i presume is max for regalia. I want to upgrade to infinia but they say it is by invitation only. I am a heavy spender with good credit history with ITR of 13L. I feel there is not much clarity about eligibility especially after reading Sumit and VK’s case. It will be great if you can get exact information about eligibility criteria for infinia. Thanks.

    Reply
    1. Siddharth Post author

      Manu,
      Talk to your branch. Only they can take approval if they’re okay with your usage/limit etc.
      With this limit, you’ve more possibility to get Infinia. Good luck πŸ™‚

      Reply
  14. Jay

    Since there is unlimited lounge access via priority pass do one gets the PP prestige/PP select or the normal one?

    Reply
    1. Siddharth Post author

      Its a normal one with unlimited access. Its like, HDFC buys a bulk amount of visits from PP and give away across multiple cards. PP don’t even know the limits/visits avail on your HDFC issued PP card.

      Here’s a response PP gave me when i asked the free visits left:
      According to the membership number you’ve provided, your Priority Pass card was issued to you by your bank or credit card. They issue their own Priority Pass cards and administer their own accounts so you will need to contact them directly for account information, charge information or material requests.

      Hope it helps πŸ™‚

      Reply
  15. CK

    Are you aware if HDFC can issue the Infinia as a Secured Credit Card, since HDFC does offer secured credit cards already. I have three extremely high value (upwards of 50L+ each) in name of three of my family members (seperately, of course) & I would like to avail the HDFC Infinia against these FD’s with 70-80% of total FD amount…

    Reply
    1. Siddharth Post author

      Am unsure about it. However, this is very high value. If you can talk to Branch Manager, he can get it for you without even placing lien on your FD πŸ™‚

      It all depends on how long you’ve been dealing with the bank.

      Reply
      1. CK

        Thanks for your answer brother. I’m in talks with the bank for this now, & I have no issues if they place a lien on the FD’s, in order to get me what I want πŸ™‚

        Reply
  16. priyanshu

    Hello Sid!

    i just wanted to conform that Hdfc infinia card has a min limit of 10 L and there is no upper preset limit.
    my query to you is, in the infinia card ‘statment’, what is the Crdit Limit printed\shown?

    Reply
    1. Siddharth Post author

      Only Infinia Holders will know it. Anyways, some Infinia cards are also given with <10L limit πŸ™‚

      Reply
  17. hemdeep singh

    I tried speaking with my RM today, and they mentioned that they need an ITR -> Taxable income of 36 lakhs to be eligible for Infinia, which I thought was absurd! Ive been holding a Regalia for 1.5 years, and an HDFC Classic banking customer for last 5 years. Not sure how do i negotiate with HDFC to get an Infinia card? Please help!

    Reply
      1. hemdeep singh

        My credit limit now in HDFC Regalia is 5L, also hold a Yes bank preferred with limit of 3.5L.

        Reply
  18. kk

    I got it as a Director of a company. My income was below 10L and Company’s income was above 1 Cr. We are HDFC Bank customer for more than 13 years.

    Reply
    1. Siddharth Post author

      Glad to see a Infinia holder here πŸ™‚
      Yes, it should be possible because HDFC looks at the overall relationship with the bank.

      Reply
      1. A2Z

        My Regalia shows Upgrade available to Infinia.

        1. Points will be reduced by 50% but as I can see points value on Regalia was 0.50 on their portal and for Infinia it’s 1:1 so I hope rewards devalue should not be a concern? what say?

        2. RM said lifetime free also possible basis approval but after initial followup with product team he said only 1st year free possible. I read somewhere on renewal they give 10,000 points!
        so does this still hold good?
        10k+gst will somehow be compensated by 10k points, if true?
        Did anyone get this LTF at all?
        8L spends will get fee waiver.

        What’s your thought Sid?

        Reply
        1. Rajeev

          Hi A2Z,

          How old your Regalia card was when it showed upgrade available to Infinia.

          What is the average spend on the existing Regalia card for the period which played a key role for the upgrade to Infinia?

          Reply
  19. Lalita

    Hey Siddharth,

    You said Infinia gives value of 3.3% but as per HDFC Reward Catalog.
    Lets take Shoppers Stop GV example, to get 500 Rs you need 930 point (Category G)
    for that one has to spend 27900 , then the value is coming as close to 1.79% instead of 3.3%.

    Am I mistaken somewhere in above calculation

    Reply
    1. Siddharth Post author

      HDFC points are best used when you redeem in respective portals,
      like in infinia portal in this case.
      Where, 1 Point = 1 Rupee (for comparison, 1 point in Allmiles = 0.25ps now )
      Catalog Redemption’s are poor yes.

      Reply
  20. Pradeep

    I have hdfc regalia with limit of 530000 .using it from last 3 yrs. Is there is any to get infinia.

    Reply
    1. Siddharth Post author

      Limit is good enough for the upgrade.
      They look into the usage too. Did u approach the branch?

      Reply
      1. Abhishek Roy

        A personal question out of curiosity. What is the credit limit on your Diners Black Card?

        Reply
  21. Lalita

    Thanks,
    I am finding American Express Gold Card best, Let me explain
    Amex Gold Benefit are Amazon GV 11000 for 24000 Points.
    for every 4 swipe of 1000 Rs you get 1000 point , so in a year you get 12000 easily.
    To get rest 12000, you have spend 6 Lacs Ruppess (AMEX Gold gives 2 per 100),
    So if you spend 6 Lac you get 11000 rs Amazon GV (There are other Gift but I am taking this as it give complete monetary value)

    So its ~ 2% per 100 Rupee spent as compared to Infinia where its lesser value in Catalog redemption.

    Reply
    1. Siddharth Post author

      Well, with Gold charge card, you can get statement credit which is the best option than vouchers.
      yes, i’ve explained this 2% value back on the respective Amex post.

      Only challenge is the acceptance though.

      Reply
  22. Lalita

    Yeah , I am using from 2011 in Bangalore and Amex getting better and better.
    I strongly advise AMEX Gold for anyone who ask for credit card.

    Reply
  23. Pramod

    I will be getting my Infinia card in few days so i was searching exact benefits of that my interest is more in Upgrade of my flights already Air india SBI card treated badly in this i transfered all my miles to Air india despite crossing Maharajah status miles barrier i was told i wont get any status well that was my mistake i should have asked before transfer of all my reward points anyways can anyone help me with exact Airmiles i will earn on annual spent of 20 lacs exact as in i mostly travel by Lufthansa , Emirates , Etihad and Turkish sometimes will this Infinia card gonna help me in that ? i have had Amex Platinum since decade along with hsbc platinum and SBI Air india none of them has ever gave me any kind of flying benefits but atleast Amex have been very very kind and they do pay attention towards every small thing customer ask back to help πŸ™‚ i hope someone will guide me how to use this card for my travel .
    Thanks & Regards

    Reply
    1. Siddharth Post author

      Pramod,
      Use the card on 5x and 2x categories that HDFC is promoting these days. That will get you a lot of points which you can redeem for flights as revenue tickets.

      Btw, good to see yet another Infinia member here.
      Everyone would be interested to know your Infinia application process. Feel free to share the same πŸ™‚

      Reply
  24. Sunil

    Hi Siddharth,

    I recently shifted my business to HDFC and I am being offered either the Infinia or the Diners Club Black. Which one would you recommend?

    Great job with the blog though. Hope to see more posts.

    Regards

    Reply
    1. Siddharth Post author

      Depends on your spend areas.
      I would recommend black if you travel/shop often to avail their 10X rewards.

      Reply
      1. RInku

        Hi
        I’m eligible to take Infinia or Diner black. My major spends are shopping and air tickets. IS Diner black better than Infinia

        Reply
  25. priyanshu

    Hi Sid!

    Happy new year.

    I wanted to know why there is fuss about Infinia and difficulty getting it, when the Amex gold card is also having ‘NPSL’

    being the only difference between them that one is a credit card and other is a charge card.

    plz explain.

    Reply
    1. Siddharth Post author

      Infinia comes with a far higher limit & ongoing benefits compared to gold card πŸ™‚

      Reply
      1. Ebin Johnson

        Iam a AMEX GOLD card user. Joining fee was Rs 1000+ST. In one year, the benefits I got are,

        1) Rs 10000 statement credit for achieving 24000 MR points. This I did with so ease
        a) 5000 MR joining points
        b) 12000 on spending card 4 times (Rs 10000 plus)
        c) 1000 points for a standing instruction + 2000 points for supplementary card+other regular spends
        2) Got Rs 20000 Tanishq voucher for spending 2 lakhs in a month
        3) Got Rs 15000 Taj vouchers
        4) Saved Rs 1000 plus with 3% fuel cash back
        On top of all, the priceless customer care

        Reply
  26. Abhishek Reddy

    Hi Siddharth,

    Post reading this comment, i asked my Dad (Classic account with Business dealings with HDFC) to apply for this upgrade.

    And HDFC BM told he will have his Ragalia upgraded to Infinia for Free of cost(anyway existing is free he informed).

    Also mine is upgraded to Regalia (first or plain – not sure, just got SMS)

    Without these posts i wouldnt have known all these details. I said lot of thanks, but once again thanks.

    Reply
    1. Siddharth Post author

      Congrats!
      Have a great time with Infinia & your Regalia πŸ™‚

      Reply
  27. Deepak

    I am not sure how did you calculate 3.3% reward rate. Per their reward catalog, every point is normally worth of 0.5Rs (500 shoppers stop voucher for 960 points). So for 150Rs, you are getting 2.5 Rupee cash back. That means effectively 1.66% reward rate ?

    Reply
  28. Majumdar

    You really need to be loaded to get Infinia. You need a monthly post tax take home of Rs. 3.5 L. By contrast you can get DC Black at just Rs. 1.75 L take home.

    Regards

    Reply
  29. Hari

    Hi Siddarth,

    I have a Regalia card with Rs 600,000 /- limit. Have been using this for the past 2.5 yrs. I spoke to my RM regarding the upgrade. He says only people with ITR of 45 lakhs or more are eligible. I am getting all kinds of offers on netbanking like Jumbo Loan of 10 Lakhs, Insta Loan of 450000 etc except for the elusive upgrade to Infinia. My Regalia is due for renewal this September. Should I wait until September and see if they offer me this upgrade ? any suggestions ?

    Reply
    1. Siddharth Post author

      That’s a nice limit Hari.
      Talk directly to branch manager. If your other relationship value with the bank is decent, it will go through quite easily πŸ™‚

      Reply
    2. Maj Shetty

      Hye Hari..have u got upgraded to Infinia….even though u had limit of 6 lacs,what were your average monthly spends when u tried to upgrade to Infinia

      Reply
  30. Venkat

    HI Siddharth,
    I am not holding bank account with hdfc,but using hdfc credit card from the last 7 years and now holding regalia (holding from last 1 year)with 6Lakhs as limit.whenever ask for upgrade,they mention it is bank invite and I ask in bank they mention need to 30L + as salary.is it correct ?

    Reply
    1. Siddharth Post author

      With 6L limit, you’ve more possibility for infinia, if you have their other products like savings a/c.

      Reply
  31. pawan gupta

    Hi

    can i use my personal hdfc diner club black card for my private limited company purchase ? and make the payment of my card from the company account
    ?

    Reply
    1. Siddharth Post author

      That highly depends on how you file your ITR, talk to your Auditor πŸ™‚

      Reply
  32. priyanshu

    Its confirtmed HDFC is not considering existing card limit for upgrade to Infinia.

    The HDFC BM said the requirement of 3.5 lacs/pm income, is mandatory.

    He said that this criteria is in place so that the exclusivility of the card is maintained.

    Reply
    1. Siddharth Post author

      Criteria is indeed very strict, though, they’ll consider your limits, spends and relationship value.

      Reply
  33. Xavier

    How does hdfc infinia compare with Citibank prestige? With regard to overall rewards, global acceptance and best return for money.

    Reply
    1. Siddharth Post author

      It depends on what kind of redemption you prefer. Citi Prestige is mainly for ppl playing the Points and miles game.

      Reply
  34. Madhur gurbani

    Dear Siddharth ,
    Can I issue infania as a corporate card on my business itr which is 50L+

    Reply
    1. Siddharth Post author

      Proprietor Business? if so, you’ve a chance.
      Else, its a completely new entity as it comes with a different PAN.

      Reply
    1. Siddharth Post author

      Then you might get a chance if the said current a/c is with HDFC, which means more relationship value.

      Reply
  35. Nikhil A

    Hey Sid,

    I have Axis Bank Visa Signature Credit Card since 2013 with good credit history, limit 1.9L. Recently acquired Regalia Business, limit 3L and an SBI Elite, limit 1L. Spends are usually 50K per month avg. Should I try hard to get Infinia or do you think I can make good with the above ?

    Reply
  36. Somansu

    Hi Siddarth!
    Nice expert reviews. I have a question about HDFC Infinia card for you. Is it issued to both Resident Indian and Non resident Indian. I was informed by HDFC that only Regalia is for NRIs.
    Thanks in advance for your feedback.

    Reply
    1. Siddharth Post author

      Am not sure about this. Though, i don’t see any reason to differentiate as long as you’ve good Relationship with Bank.

      Reply
      1. SriKrsna

        I see from the HDFC website that Regalia Visa Signature variant is being issued to Non-Residents as NR Regalia (so Regalia comes as Regular Regalia, Business Regalia and NR Regalia) which seems to require a NRO account with HDFC. The card bill also needs to be settled by the linked NRO account.

        Reply
        1. Siddharth Post author

          I see, there is also another one, Doctor’s Regalia. πŸ˜€

          Reply
  37. Nitin

    Being offered both Infinia and Citi Prestige. My annual spend is 20L mostly corporate travel. Suggestion which one should I use? It seems Infinia has better reward returns?

    Reply
      1. NITIN

        There is 20K fee for Citi and 10K for HDFC. Is there a benefit of getting both?

        Reply
        1. NITIN

          My spend is half flights and remain in hotel etc. As I understand Infinia will give 3.3% to 6.6β„… return where as Prestige will give only max of 3%. All other benefits seems quite same.

          Reply
          1. Siddharth Post author

            Citi is known for its Hotel Transfer partners and Prestige is known for the Limo benefit. If you don’t need these, then Infinia would do.

  38. Majumdar

    Nitin,

    It is not just 3.3 -6.6%. You also get 5X with many merchants incl MMT. But if you need limo drops etc you canconsider Prestige as Sid says.

    Regards

    Reply
  39. Ashish

    Hi Sid,

    Currently i am holding Regalia with 4L limit (LTF) for past 1 year and HDFC credit card account for almost 8 years. Also, i am classic customer have saving a/c for almost 5 years. am I eligible for infinia? and what approach should i take to apply.

    Reply
    1. Siddharth Post author

      Its quite tough. You need Imperia range of relationship to get Infinia.

      Reply
  40. Kaushik

    Hi Siddharth,

    I currently am a preferred account holder with HDFc but am eligible for Imperia Banking as well. However the branch i have my account in does not offer imperia accounts. Therefore i will have to transfer my account to another branch in order to get my account converted to Imperia.

    I currently have a Diners Club Premium card which is LTF. Should i transfer my account and get it coverted to Imperia ?
    Will i be getting any extra benefits on that ?
    Though my current income doesn’t qualify for Infinia but will converting to a Imperia account make me eligible for a Infinia (LTF) ?

    Reply
    1. Siddharth Post author

      Kaushik,
      You can certainly get Diners Black with Imperia but Infinia is a hit or miss.
      As i mentioned in the article, Imperia will help to certain extent, but you also need other to be strong in other aspects as i mentioned in the article.

      Reply
    2. Malavkumar Patel

      You don’t have to transfer all your accounts to another branch just because you want imperia upgrade, Talk to the branch with has imperia program and they will remove preferred relationship manager and assign Imperia relationship manager, You will have bank accounts in your existing branch only but your imperia rm will be in new branch. I did the same so i know for sure.
      P.S your preferred RM will not tell you this because he will loose you as a customer so talk directly to imperia RM.

      Reply
    3. Rajeev

      Kaushik,

      Is Infinia LTF or no fee charged if annual spend is INR 8 Lakhs or above?

      I have not

      Reply
  41. MANOJ DHARMARAJAN

    Siddharth
    i have just been upgraded to Infinia. I do not have a salary of 40 lakhs and instead my gross annual income is Rs. 26 lakhs. if you would like to know the reasons for the upgradation, i guess the following could come in handy for anyone looking for Infinia. i have been a customer of HDFC Bank for nearly 17 years. i have also spent more than Rs. 12 lakhs with my Regalia during the current financial year. Besides, i work for the central government. my branch manager was of the view that Rs. 26 lakhs in govt is worth more than Rs. 50 lakhs in private sector( govt has no concept of CTC and instead every reimbursement other than salary is on actuals). btw, the limit that they have given on my Infinia is only Rs. 8 lakh. so i guess you were right on the money when you said that its the relationship that matters and not just the salary. Take heart, everyone !

    Reply
    1. Siddharth Post author

      Manoj,
      Congrats on Infinia!
      Yes, it does go in line with the pattern that i’ve seen with other Infinia card holders πŸ™‚

      Thank you very much for sharing your experience.

      Reply
  42. Malavkumar Patel

    Here is a useful information on how to get HDFC Bank’s INFINIA CREDIT CARD.
    I inquired about Infinia Credit Card while i was HDFC Bank’s preferred customer and my Preferred Relationship Manager said that I need 40Lacks ITR and there is no way around it, If i have lower ITR like 30 to 35Lacks then they maybe able to push for approval but there is no guarantee,
    But I was recently upgraded to HDFC BANK’S IMPERIA PROGRAM, and i was assigned new IMPERIA RELATIONSHIP MANAGER, so i inquired again about INFINIA CREDIT CARD, and they said i need 21lacks ITR, But i has only 15lacks ITR so they offered me this card against FIXED DEPOSITE of 6 LACKS, 15LACKS ITR + 6LACKS FIXED DEPOSITE = 21LACKS, That is how they explained to me,
    I have already completed documentation and awaiting for CREDIT CARD.

    Reply
    1. Siddharth Post author

      True with the said points.
      Also, Interesting about the FD thing. Did they mark a lien on the card?

      Reply
      1. Malavkumar Patel

        Since they issued this card against FD, I can not widraw this FD aslong as i hold this card, I have to surrender this card then only can i widraw FD.

        Reply
        1. Siddharth Post author

          Got it!
          Do keep us posted about your experience once you receive it πŸ™‚

          Reply
          1. Malavkumar Patel

            Just received my Infinia Card, I didn’t have to cancel my regalia to get Infinia, Regalia gets canceled automatically when i got Infinia. My regalia was lifetime free this is not even tough its gives as an upgrade, anual fee of 10000 is charged but in return i get 10000 rewards so its practically free.

          2. Siddharth Post author

            Congrats!
            Thanks for sharing your experience with Infinia, especially the Imperia RM without change of branch part is very useful.

            A quick qn, your regalia was non-FD based card,
            and now you’ve got Infinia based on FD, likely @ 80% of the FD amount,
            or, was it Regalia old limit+FD amount?

  43. Mahesh

    congrats Malav kumar for the INFINIA.

    I just wanted to ask you,how is the procedure to get upgraded to IMPERIA? especially in your case.thanks

    Reply
    1. Malavkumar Patel

      I am from Ahmadabad so i will share my experience about HDFC Bank Ahmadabad,
      In Ahmadabad, only 4 HDFC bank branches have imperia Banking facility, other branches are preferred branches only, so if you have account in any of the imperia branch then only will you get your upgrade, otherwise its tough,
      My account was in non imperia branch so i was stuck with preferred account, i asked for upgrade to imperia but they never gave me straight answer, but one fine day i learned from hdfc bank’s ex employee that preferred branch couldn’t give me upgrade to imperia even if they want to because they don’t have imperia RM, and if they change my RM to imperia branch(without transferring my account to imperia branch) then i would get imperia upgrade, so i went to imperia branch and talked to Imperia RM and he asked my Preferred RM about my wish to change RM and i was assigned new RM with imperia upgrade, Preferred RM was bit hesitant about letting me go as a client because RM’s usually get incentives from the products they sell to us(life insurance, car insurance, demate accounts), but i stood my ground and i got upgrade,
      PS, you have to meet eligibility criteria for imperia upgrade which are as below

      Maintain a minimum Average Monthly Balance of Rs.30 Lakhs across all your Savings and Fixed Deposit* accounts.
      OR
      Maintain an Average Quarterly Balance of Rs.10 Lakhs in your Savings account. OR
      Maintain an Average Quarterly Balance of Rs.15 Lakhs in your Current account

      Reply
  44. Malavkumar Patel

    I hold good relation with HDFC Bank’s ex employee because i bought lot of life insurances and opened many accounts for my family members, so we keep in touch even though he left a job at HDFC Bank, I will share what he told me, This is all insider information, and this may help you get Premium Credit Card with HDFC Bank,
    Each HDFC Bank Branch has one credit card guy who will sell you credit card, one Life insurance guy who will sell you life insurance and all other employees like branch managers and backup branch managers and Relationship managers and Cashier, and receptionist etc, so every branch manager reports to Cluster Manager, what it means is if there are 20 branches in Bandra, mumbai then all those branch managers report to Cluster manager,
    In the same manner every branch’s credit card guy has Superior, So if you live in Bandra, Mumbai then your branch will have credit card guy who reports to someone who is not Branch Manager, but we can call him credit card cluster manager, so when we make special credit card request for odd upgrades like regalia to infinia or floater card etc then those requests get sent to HDFC Credit Card Cluster Managers, some cluster managers are quiet relaxed about rules and some are not so one person on this blog may have obtained upgrade or shared limit credit card while other person’s request might be rejected, so if your request seems to get rejected then try to move your account to another branch that’s at some distance from your old branch then make new request and u may have it approved, my infinia card was approved after moving my relationship manager from Memnagar, Ahmedabad to Thaltej, Ahmedabad, All requests are not sent to chennai for process and some are processed at you city only.

    Reply
    1. Siddharth Post author

      Thanks for sharing in depth info on approval process. Little correction on the last part. All decisions are made at chennai only, but the said “cluster manager” or the regional manager or the credit card manager, say for Mumbai, has the ability to recommend you on their own risk to Chennai guys to approve it. And when such requests come, chennai gas can’t reject it unless there is a credit limit/CIBIL issue. Its like, chennai guys are like President and the branch/regional managers are like Prime Minister πŸ™‚

      But matter of fact is, these guys don’t recommend your request easily unless or unless you got enough relationship with bank. In your case, its FD linked card and hence there is no reason for anyone to reject it as there is ZERO risk.

      Reply
  45. Malavkumar Patel

    They gave me 8 lacks credit limit on Infinia Card,
    My regalia had 8 lacks credit limit before i got upgrade, and i have 70 lacks in fixed deposit with hdfc bank, 20lacks FDs X 3 and one FD with 10Lack, so I got infinia credit card against 10 Lacks FD,
    so it could be my old credit limit of 8 lacks or it could be 80% if 10 lacks which is 8 Lacks, Tough to tell,
    But one thing they told me is my credit limit will not increase based on spending because this card is against FD, but i am not worried because i don’t spend 8 lacks in one month.

    PS, Before i came to know of your website, i Thought i had the best rewarding credit card (REGALIA), and my only credit card but your website has helped me a lot, After i started reading your website, i applied for three more credit cards, If you allow then I would also love to share my journey about how i got regalia card and how my credit limit increased from 2,25,000 to 8,00,000 in two years with detailed spending pattern and and time between each credit limit increase and amount spent between two credit limit increases.

    Reply
    1. Siddharth Post author

      Glad that i was able to help πŸ™‚

      Sure, i’ll drop you an email shortly, we may put it as a separate article.

      Reply
    2. Vineet

      Good Info.. thanks for sharing…..I didnt get Inifinia… so finally ended up in Yes Exclusive LTF….

      Reply
  46. Urluck

    Dear Mr. Malav, thanks for sharing.

    I am in Ahmedabad and eligible for imperia at my Vejalpur branch. But what is the advantage except zero locker rent ?
    As per there website they charge Rs 100 plus tax every quarter programme fees same as preferred programme. It was waived off / revered last year after after written request.
    Even after imperia member, no guarantee to get Infinia credit card. – LTF.

    Reply
    1. Malavkumar Patel

      Imperia program does not guarantee to get Infinia Credit Card but It certainly does help, Imperia RM usually has more authority then Preferred RM and he is usually more knowledgeable,
      While I pay for 100rs + tax every quarter as program management fee for being imperia customer but you get lot more value in return, I will explain below.
      100+tax=115*4=460
      so I pay 460 rs every year for just being in Imperia program every year,
      i get RENT FREE LOCKER for life as long as i am part of imperia program, I have the largest locker which my HDFC BANK branch provides, Locker rent is 15,000+tax every year and i get it for free, so 15000 saving against giving 460rs as program management fee, some branches also have locker that is huge and rent is 40,000 and its also free for imperia customer,
      I also have demate account with hdfc bank, they charge 800rs or so for opening it but i got it for 499 rs so 300 rs saving there, yearly rent for demate account is 750 rs but its lifetime free for me,
      they also charge 15rs every quarter for messegs received on mobile for account transaction like cash deposits and withdrawals etc and that is also free for me so 60 per year saving there
      they also charge for international debit card but its free for me, premium debit card like platinum card cost 750 rs per year and i have it for free, there are no free debit cards with hdfc bank, they charge minimum 150 rs for debit card for non premium customers,
      they also charge 200rs or so to replace debit card if you loose it or damage it but its free for me,
      they charge 500rs to issue Forex Multi-currency Card but i got it for 250 rs because i am travelling to USA and it may help,
      I also get preferential rate of intrest for all types of loans like car loan or home loan etc,
      AND MOST IMPORTANT IS, IF YOU ARE HDFC BANK’S CLASSIC PREFERRED OR IMPERIA CUSTOMER AND YOU SPEND ON YOUR CREDIT CARD ON WEEKENDS THEN YOU GET DOUBLE REWAR POINTS, SO MORE SAVINGS THERE(this scheme ended on 31st march but they may come up with new scheme in future)
      SO your total saving is
      40,000 for largest locker rent
      750 for premium debit card
      60 for sms alerts
      750 anual demate charges
      250 forex card
      800 demate opening charge
      200 for debit card replacement
      So your total saving is 42,810, Now you tell me weather its worth it or not.

      Reply
      1. urluck

        Thanks Mr Malav for in detail IMPERIA programme. It is the highest premium account at HDFC bank.
        As a preferred customer I am getting all this benefits except locker rent ( I have to pay 50% rent ).

        My programme management fees were waived off last year , so I am saving Rs. 460 also on this. You can try to get is waived off by calling and writing to your RM.

        Mr Malav, your Infinia card is life time free – same as Regalia ??

        Reply
      2. Sid S

        Thanks Malav for sharing this info.
        However, what is the eligibility for having imperia relationship? On website it is given 10l in savings account. Are you maintaining it in this or some other way?

        Reply
  47. Mahesh

    Thanks Malav for sharing ur experience regarding IMPERIA n INFINIA.

    Reply
  48. urluck

    Its nice to learn all internal process at HDFC bank cards.
    Mr Malav, your Infinia card is life time free – same as Regalia ??

    Reply
    1. Malavkumar Patel

      No it is not life time free, It has anual fee of 10,000 rs per year but in return i get 10,000 reward points worth 10,000 rs so its practically free.

      Reply
      1. suresh

        Hi, you may need to pay 18% GST tax around 1800rs for 10000rs annual fee.

        Reply
  49. urluck

    So this 10000 rewards points, we can redeem for credit card bill payment ? Or we need to purchase some other things like flight or anything from catalogue ??

    Reply
    1. Malavkumar Patel

      You can use 10,000 reward points to purchase thing from reward catalogue, recharge mobile and dth, book flight and hotel etc, but its best used and valued when used for hotel booking or flight booking and dth and mobile recharges.

      Reply
      1. urluck

        Malav, I am also shifting my account from Bodakdev to Thaltej-hebatpur road branch ( but they don’t have imperia programme). Do you pay 11800 annual credit card fees and against that points you can redeem to buy amazon / shoppers stop vouchers of same value or less value ?? You can buy Rs 10,000 value goods from rewards point or only flight and hotel bookings ??
        Rs 1800 tax is not refundable from rewards points ??

        Reply
  50. Ananth

    I have a Housing Loan with HDFC and will fall in to their definition of HNI, will I be eligible for infinia card?

    Reply
    1. Siddharth Post author

      Just housing loan won’t help. Depends on lot other factors. Talk to your RM.

      Reply
  51. Prasoon

    How is infinia better than hdfc diners black. I am planning to go for diners black (even though I am eligible for infinia)?
    Can you please assist?

    Reply
    1. Siddharth Post author

      Infinia should fine as they’ve recently added 10X to all cards on smartly spends.

      Reply
      1. Prasoon

        Thanks Siddharth

        Is infinia like a pure superset of diners black then?
        If not in what terms is it better? I have heard plenty about the features in diners black as far as lifestyle is concerned i.e 10x reward points, bookmyshow offers unlimited, unlimited lounge access, can use it for uber, Amazon etc.
        Do we enjoy the same privileges if we hold infinia?

        Reply
        1. Siddharth Post author

          If you’re more of a person who needs 10X benefits, go for Black. Else, if you’re happy with unlimited PP and limited 10X benefits, Go for Infinia.

          Reply
          1. Prasoon

            Thanks Siddharth. Will go for Diners black then.
            Will upgrade to infinia if I get a better offer there.

    2. Ankur Mittal

      I have recently upgraded from Diners Black to Infinia, mainly because the conversion rate in infinia is much better than Diners Black. Diners Black charges like almost 1 re more for each USD when compared to infinia.

      Reply
  52. Prashant Gupta

    I dont find any difference between the 2 except the 10X points offer in Diners Black. So diners black is better till the offer.

    Reply
  53. Yazi

    I see other blogs that hardly update content but you update regular and best part take time to reply to every comment here that users put, much appreciated mate great quality content with outstanding support. I took your consulting and after 3 months I drop an email with some query and you answer that in no time which is really sweet.

    Keep up the great content
    Cheers

    Reply
    1. Siddharth Post author

      Thanks for your kind words Yazi. Stay tuned!

      Reply
  54. Sonu M

    Does HDFC Infinia gives 5X points for fuel purchase at gas stations ?

    Reply
  55. Vikram

    Okay, latest update regarding upgrading to Infinia. I hold a Diners Black from HDFC. Spoke to the relationship manager and inquired about an upgrade to Infinia. He said that was possible only if I had such an offer on my card. It wasn’t there on my card and I asked for alternates. He said that for salaried personnel the monthly income must be 4L and for self employed an ITR showing at least 40L.

    Reply
  56. Raman

    Hi Sidharth
    I am NRE and holding a Regalia card. I don’t use the card much, however, I enquired about the Infinia card, and I wan told that I should have one of my FDs lien marked for 12 Lacs. I will check with my RM if there is an initial fee for the first year or not. But if they charge me 10K, then how do I get back that money (in terms of other benefits?)

    Reply
    1. Siddharth Post author

      You can use the points for flights.

      But first of all, 12L on FD is not a right choice to park your money unless you plan to use Priority pass to the tune of 100 visits or so a year. I’ll write a detailed article on this in sometime.

      Reply
  57. Avishek

    Hi Sidharth,

    HDFC want me to change my resident Regalia to NR Infinia but with INR 8 lac FD lien. My annual spend is approx. INR 12 lac. Shall I opt for it or go with SBI Prime / SBI Elite?

    I feel SBI Prime’s reward points for insurance payments is 5% and my annual payment for insurance is around INR 10 lac. Another benefit I see with SBI Prime is I can pay dues using reward points which is not possible in Infinia.

    Please suggest.

    Reply
  58. Tanmoy Saha

    Hi Siddharth,

    Compliments on a great site! I have a query re Infinia vs Amex Plat travel as below:

    – My primary card is Amex Plat Travel credit card, which I have been holding since last 7 years (Amex KF before that). Annual fee was waived off every yr because of spend patterns (arnd 5L+ every yr) This year they are refusing to waive off, even though spend is 6.5L. I am thinking of cancelling this card as I dont want to pay the fee. I use the MR points heavily for air travel (Indigo) – family vacations, and this has been a big reason for this to be the primary card.

    – Other card is HDFC Regalia – used wherever Amex is not accepted. Guess the spend will be 1 – 1.5 lakhs a yr also. This is LTF due to relationship wt bank, credit limit 6L. Have Priority Pass card, which is also used. However, not a fan of the rewards program and have not used it much really.

    I can get the HDFC Infinia with condition of 8L annual spend (therefore no cost). Hence my question is:

    1. Should I cancel Amex Plat travel card to avoid the fee (6k incl GST)? Will I miss the vouchers (now Spicejet or their own travel portal)?
    2. And if I cancel, will the Infinia have similar or better benefits than Amex travel (I am looking at travel vouchers mainly).

    Would be great if you can respond at the earliest, as I need to make a decision fast.

    Thanks,
    Tanmoy

    Reply
    1. Siddharth Post author

      Amex plat travel still has good reward rate. They seem to waive off on spends north of 10L these days. IF you’re limited to yearly spends of ~7L i guess you should continue with Amex as you also get travel offers.

      There are many other factors to decide though. For ex, if you fly intl often, then Infinia might help due to unlimited PP.

      Reply
  59. Ashutosh Garg

    Hi There,

    i currently own a Regalia Credit Card and thinking of upgrading it to Infinia but i don’t use my card that much.will it be of any use if i upgrade or should i stay with Regalia??

    Reply
  60. vedant

    If the PP usage is not much and card is generally used for shopping and travel with annual spend around 8L. Is Infinia card still good choice given that now I have an option to get one? or there are other cards that offer greater benefits?
    Cancelled my Diners Jet because lack of acceptability.
    Currently using combination of Amex Travel and HDFC Jet World.

    Reply
    1. vedant

      Given that after 4L spend there is no incentive to use Amex platinum Travel

      Reply
  61. Joal David

    Hey all . I recently got the email to convert my resident regalia to NR card . I applied on the online form with the FD made and there was radio silence for a week . When I checked up with the branch and phone banking , no one could give me an update on the application status . The branch said that NR infinia does not exist and the phone banking guys told me to talk to the branch .the branch also advised me to apply for NR regalia . When I mentioned about the email I got , they told me that a “central team “exists which sends the mail and they have also the authority to grant cards .they apparantly work parallel to the branch cards division. I am not an imperia customer with HDFC nor did I have a high credit limit with my old card . Any ways long story short I got my infinia card yesterday . I honestly don’t know what criteria they use to accept as it appears very random .

    Reply
  62. Saurabh

    I have been using Infinia since more then 4 years and I feel it’s still the best card available in market after Amex centurion. I travel a lot and often use the Priority pass program. This card helped me earned lakhs of rupees free of cost In form of points. And finally kudos to sidhart fir opening such a wonderful forum where people who share the same passion for cards and travel can share their views

    Reply
  63. Kotian

    How many guest are allowed along with the priority pass issued with Infinia card

    Reply
  64. SM

    Hdfc bank is funny. They rejected my application for a Regalia in spite of an Itr >50lpa for last 3 years and a 800+ score. At that time I was having a Citi Premier miles with a limit of 6.3l and annual cc spends of about 10l. However they offered LTF regalia to my wife who has an Itr of 4lpa and has an existing HDFC bank savings account jointly with her mother. Now they have offered LTF Infinia to her and I am still stuck with Citi PM. Citi won’t give me a prestige because I have moved to Jaipur. So now my wife takes me in as a guest whenever we are travelling abroad while she earns around 10% of me πŸ™‚

    Not sure if it’s relevant but the year I took my first salary, I had applied for a SC rewards card with zero annual fee and was rejected but was given a Citi PM as I had a Citibank account. Not sure what are my past sins but my cibil is absolutely clean.

    Reply
    1. Siddharth Post author

      Infinia for 4L P.A !!
      I wonder what triggered the upgrade. Do you(wife) maintain high Relationship value with HDFC?

      Coming to your case, consider dropping an email to escalation. You could get Infinia right away!

      Reply
      1. S&S

        Keep up the great work Siddharth & Abhishek !
        This site of yours is a blessing πŸ™‚

        Here’s an Infinia update (my experience)
        1. I have regalia and diners black.
        2. Previously when I asked my RM for an upgrade to Infinia, was told ‘ITR less than 30L will not be considered. If its falling short by 5L or so (against benchmark of 40L) then RM can push for Infinia’
        3. Since I was in the 35L ITR range I asked my RM to bump me up to Infinia.
        4. Not possible RM said after doing max negotiations with credit card team. (I believe my RM).
        Apparently HDFC now DOESNT consider anything in the range of 40L good enough to upgrade to Infinia. It should be 40L ATLEAST or I should give up my black to get Infinia. (Asked them to take a hike:)
        5. Also limit enhancement when one holds two super premium cards is NOT possible.
        (My current limits regalia: 2L, black 4L).
        {Though I can see a 4L to 5L enhancement option in my account online & even received a call from CC informing of it.}
        But limit enhancement option, for card on card for Yes Exclusive, too nipped in the bud πŸ™

        So that’s my Infinia story.
        Like someone in Citi Prestige thread option mentioned…maybe time to either move from HDFC in toto and become a Citi Gold Client (with its associated pro rata bonus + renewal bonus via Prestige) or just move onto Prestige for now and wait out/work out for ITR to get Infinia friendly.

        (Last weeks’ news)

        Cheers !
        S&S

        Reply
        1. S&S

          Another Infinia update by an Imperia Customer

          1. Nov 2018 (2L limit. Holding card since April 2016.)
          Got my Regalia blocked suspecting fraudulent transaction and got a new one reissued

          2. Jan 2019 (4L > 5L > 8L limit. Holding card since August 2016).
          My DCB was blocked for using it on a virtual currency site. I transacted inadvertently.
          My RMs supervisor has assured me he will get a new one issued once my points claims are
          settled.

          3. Today found Infinia upgrade option for Regalia when I logged in. 8L Limit.
          Promptly upgraded.

          Didnt take screen shot post confirming upgrade, so wondering if calling HDFC CC will help.
          Also hoping Infinia upgrade doesnt affect DCB reissue.

          Any tots wise followers of the very wise Sid ? πŸ™‚
          Great show man !

          PS: Not happy with my RM, so the question here.

          Thanks

          S&S

          Reply
    2. Rajeev

      Hi SM,

      HDFC won’t offer Infinia offer an ITR of 4 LPA, there must be something else on the basis of which Infinia was offered. It can be Imperia relationship with the bank or very high uses on existing HDFc credit card.

      Can you share the exact reason for Infina for your wie?

      Reply
  65. Raviraj Parab

    I’m also dying to get HDFC Infinia. I spoke with the RM but no luck. I own Regalia with 6.8 L limit and also a Yes First Exclusive with 5 L limit (Both LTF). I read though all the replies and I suppose gradual upgrade , better relationship and spending pattern along with your existing limit holds the key.

    Reply
  66. Kiran

    Hello Siddharth,

    I have HDFC credit card for almost 6-7 years and upgraded to Regalia in last two years with CL of 5.3L.

    I have kept good credit scores and scheduled repayment of all the outstandings. My annual income is around 13L. Will I be able to get Infinia or Diners Black? I do not have an RM, hence please advise how to approach.

    Reply
    1. Siddharth Post author

      Send IT papers to Chennai address for Diners Black. You’ll mostly get it as its above the floor limit. Infinia is impossible at this stage.

      Reply
  67. Mitnick

    I have a 9 year relationship with HDFC Bank. I started out with the Gold card and now have a LTF Regalia with a limit of slightly more than 9 lakh. I have an ITR of 36 lakh. 800+ CIBIL score. No other relationship with the bank.
    a)What are my chances of getting Infinia LTF?
    b) I plan to write to them that I don’t want to use Regalia any longer because of the devaluations that’ve happened. Does that sound like a decent reason to request upgrade to Infinia?

    Reply
  68. HTC Fan

    Hey
    quick question – does Infinia allow access to domestic lounge as well via PP? The visa infinite variant does not have access to all the domestic lounges it seems.

    Reply
  69. bhunesh

    hey sid , really wanted to hdfc infinia or hdfc dinner black ..which is best among the 2.. the only draw back is most overseas payment dont accept dinner card …were only visa or master work…so which one is better among the 2.

    Reply
  70. MrinalT

    is it possible to upgrade Business Regalia (CL 3.6L , age 1year) to Infinia ? i do not hold much high relationship value with HDFC consisting if a SB account (downgraded to regular ) and the Business regalia card , i have Yes Bank first exclusive with credit limit of 2.5 lacs , ITR of >40lacs…since i have no RM now , who should i consider talking to?? post their devaluation of rewards , i have moved most of my spends to YB First exclusive and SBI Elite

    Reply
    1. Siddharth Post author

      CL is too low to aim for Infinia. RM is essential for Infinia as the application has to go through RM/BM.

      Reply
  71. JNS

    The HDFC Regalia is my secondary card – my primary one is Citi PremierMiles. However, I have a fairly high CL on the Regalia – it is just over 15 lacs. I don’t have an account with the bank. How do I go about getting it upgraded to an Infinia?

    Reply
    1. Siddharth Post author

      Interesting. Never heard of Regalia with limits like 15L. Reg. upgrade, Infinia is usually processed for approval from branch side. You might need to email HDFC or just visit the nearby branch to know the upgrade process for your case.

      Reply
      1. JNS

        Thanks. I didn’t apply for any limit increase – they just have done it gradually over the years. I find the CB PremierMiles the best card for tickets – do you reckon there is a better card for air miles? I’d happily change that to my primary card. Appreciate your response.

        Reply
        1. Siddharth Post author

          Airmiles – depends on what airlines you’re interested in.

          Reply
  72. AQ

    Hi! I posted this query earlier but my comment did not get moderated. Im not sure why.

    Please advise whether MasterCard variant of Infinia is better than the Visa variant of Infinia in terms of lounge access, offers, foreign currency spending conversions etc.

    Reply
    1. HTC Fan

      In real world usage the variants you choose doesn’t matter much. I have visa infinite variant but I am able to access domestic lounges not covered under visa program using the Priority Pass. The PP usage in domestic lounges comes complementary only with the Infinia card across the HDFC CC product portfolio. However, I have read that there is a slight advantage in foreign exchange conversions using the MC platform as opposed to visa.

      Reply
    2. Abhishek Roy

      In terms of lounge access, MasterCard is indeed better than VISA because of the range of lounges to which you get access. VISA isn’t even close to MC. Regarding offers, VISA Infinite is indeed one of the best cards to have. It has a lot of perks with BookMyShow etc. Foreign currency spending will be similar to MasterCard as the currency exchange rates of MasterCard and VISA are quite comparable. Most of the places in the world accept both VISA and MasterCard alike. So you won’t run into much problem when you consider that. But just to be safe. ALWAYS keep 2 or 3cards preferably all on different platforms. If you have one VISA and one MC, I’m sure you won run into any problem.

      Reply
    3. Amex Guy

      Get Visa Infinite if you don’t already have one. It is a tier above MC World, you get things like:

      1. Visa Infinite BMS offers.
      2. Visa Luxury Collection hotels. You get $25 food credit. This is similar to Amex FHR.
      3. Visa Infinite Concierge. This is important because Infinia concierge is probably the worst in the country.
      4. 2 stays to Hilton Gold.
      5. Car rental discounts.
      6. Access to Visa Infinite travel desk.
      7. Discounts on meet and assist services.

      If these benefits aren’t useful to you, I would reconsider getting Infinia in the first place. If you’re looking into it for Vistara Gold, Axis Vistara Infinite is a far better card to have. But keep in mind the service level that Infinia provides is bad and is not even in the same zip code as Citi Prestige and Amex Platinum. So it has never been a luxury card in my book.

      Visa/MC won’t matter for forex rates with HDFC as HDFC buys USD in blocks and you get same rates, depending on when transaction is finalised. Most people who claim MC is better do two transactions one after the other and then compare. But that’s not how it works as forex rate you get is the one that is applied when transaction is finalised and pulled, not when you actually swipe. MC has slight edge over Visa in domestic lounges. Infinia PP will not work in domestic lounges anymore.

      If forex, offers, and lounges are concern for you, get Diners Black instead.

      Reply
      1. AQ

        Thank you Amex guy for that insightful response. I wanted to pick your brains for the best card in terms of rewards and features between HDFC Infinia, Yes bank First Exclusive, Citi Prestige. Not considering Amex Platinum because of the 50k annual fee. Are there any other cards out there that you would recommend?

        Reply
  73. Prashant Gupta

    Visa amd master almost have the same lounges but master has slightly more choices. I have heard that currency conversion charges are slightly less in MC. Rest they are same except for bookmyshop one on one offer which is available on visa. If you dont have any visa card you can go with master. I have both world mastercard and visa signature.

    Reply
  74. HTC Fan

    Not sure how many infinia holders are aware of it but there is a fastastic MMT offer of flat Rs 5000 discount on domestic flight bookings of Rs 10000 and above. Excellent offer to redeem on rock bottom flight fares!

    Reply
  75. AQ

    Thank you Amex guy for that insightful response. I wanted to pick your brains for the best card in terms of rewards and features between HDFC Infinia, Yes bank First Exclusive, Citi Prestige. Not considering Amex Platinum because of the 50k annual fee. Are there any other cards out there that you would recommend?

    Reply
  76. Toshi

    Hi Amex Guy,

    Why do you say ‘Infinia PP will not work in domestic lounges anymore’? I’ve been using Infinia PP to access domestic lounges without any issue (the latest usage was today). I have the MC Infinia (I hadn’t specifically asked for it but thats what I got). Would you recommend switching to Visa Infinite. Does HDFC perform such a switch for an already-issued card?

    Thanks

    Reply
  77. AQ

    I have been offered a Business Infinia by the local hdfc branch. Are the features and perks same as a personal Infinia?

    Reply
  78. AQ

    Got my Infinia card last week. I noticed the add on cards i received this week did not have the Priority Pass cards. Does anyone if these need to be applied separately?

    Reply
    1. Toshi

      Yes, you need to call up the customer care and ask for them to be sent

      Reply
  79. Rohit

    Hi everyone…I am holding a Diners Black Card, I am interested in getting a Infinia Card in addition to my DCB…Does anyone in the group holds both DCB & infinia , my RM has said as per HDFC policy this is just not possible irrespective to ITR/Salary requirement

    Reply
    1. HTC Fan

      He is correct. I hold infinia and have DCB as addon. This is probably the only workaround.

      Reply
      1. Toshi

        Hi, what do you mean by having DCB as an add-on? Do you mean that both share the same credit limit?

        Reply
        1. HTC Fan

          What I meant was my mom holds a the DCB and I use it as an add on card holder.

          Reply
  80. Gopi

    I have the Infinia. Here are some notes:
    – You need to have salary upwards of 45L to be eligible for this one
    – the annual fee is waived if spending is > 8 L in a year.
    – They also have some issues giving the ‘unlimited’ credit option if you’re below 30, you can call them up and ask for an temporary (30 day) extension of limit (upto 50 L)

    It’s a fabulous card to have.

    Reply
    1. Siddharth Post author

      Thanks for sharing your experience. 50L limit seems to be the interesting part πŸ™‚

      Reply
    2. Manav

      Good to know. Recently I checked on my RM for Infinia eligibility. He said, monthly Take home of 3.5 Lacs is essential. As per him he tried a case where Take home was 20-30k lesser, however the card didnt get approved, even though customers CTC was 50 Lacs ( yearly) but take home was lower

      Reply
  81. chowdary

    Hi..
    Firstly thank you for all the info on your site..very helpful…a lot of research i must say..

    So, i’ve just received my HDFC INFINIA card.. and i was wondering how you calculated the 3.3% return rate..when i checked the reward catalogue it was coming to less than 1.5%.. still better that my ICICI DIAMANT card..Pls let me know what’s the best way to spend the points as i have a lot of spends this year and i might as well get the maximum out of it.

    Also.. would you suggest i use the HDFC INFINIA or stick to my ICICI DIAMANT.. i also have an AMEX PLATINUM RESERVE Credit Card but its capped at 3lacs/month whereas my other 2 cards are capped at 20lacs/month.

    Thank You in advance.

    Reply
  82. Vikash Kumar

    Hi,

    I currently hold an HDFC Regalia and have been offered an upgrade to either the HDFC Infinia (Visa Infinite) or HDFC Diners Black by my bank.

    I travel frequently and my primary attraction for getting these cards is that both offer unlimited lounge access across domestic & international airports. I already hold Visa Signature (SBI Elite) and a Mastercard World (ICICI) cards..so the lower acceptability of Diners at some outlets will not be an issue for me.

    The the Diners Black has been offered free for lifetime, however the Infinia would be free only for the first year and renewal fees of 10k will be applicable from next year onwards. My annual spends on this card would be approx 4L hence I will not qualify for the renewal fee waiver on the Infinia.

    Which one should I pick and why?

    Reply
    1. John

      Hi,

      My take would be that you go for the Diners Black since the 10X program is unmatched by any other card. Also since you already own the premium variants of VISA and MasterCard, having a diners variant would be advantageous at times. I have been holding DCB for a year now and I am completely happy with it.

      When compared to the Infinia, the only disadvantage would be the lack of unlimited lounge access for the secondary card at international lounges. My secondary card is accepted at all lounges in India but not abroad. Infinia provides unlimited priority pass for secondary card as well. But in your case you will end up paying 10K for the unlimited lounge access since you were mentioning that your spends wont exceed 4lacs and you will end up paying the annual fees.

      Hope this helps

      Reply
    2. Armaan Khurana

      Hi Vikash,

      Nice that you got an upgrade. Could you tell how much usage you had on Regalia on annual basis to qualify for upgrade.

      Reply
      1. R M

        I got an upgrade to Infinia with almost no transactions on my regalia card during past 1 year. My father actually got a diners black last year, so we only used DCB after getting add on cards. But they still kept increasing the limit on my regalia, and once my limit was increased to 10L, within a month I was offered Infinia through net banking. My payment record is flawless, and have very good banking relationship with HDFC. Though my experience says banking relationship is not a criteria for automatic upgrades. Relationship does matter when you’re applying, but upgrades are system triggered.

        Reply
  83. Agrim

    Hi
    I have applied for infinia credit card based on itr criteria. Its more than 40 days now. Can the experienced forum members tell me how long does it take? And where should i contact to get the application status as the branch ppl are very casual.
    Thanks

    Reply
    1. Prashant Gupta

      Contact customer care through both email and phone. Put pressure on the branch people.

      Reply
    2. HTC Fan

      If it is a straightforward case and no issues with the background checks (CIBIL etc.) then it takes a maximum of 1 week to 10 days for them to process. It is better to pursue it with the credit card acquisition team since your RM will also be taking their help for processing your application. Take his name and number from your RM and followup with him for exact status.

      Reply
  84. Utkarsh

    Hi Siddharth (& Team),
    1st of all, thank you for creating this space. I discovered this website only a few weeks ago and have been feeling like a new world of knowledge has opened up.
    I have never enquired or checked about what I can do with my Credit Card. I currently hold a basic HDFC ALL-MILES.
    However, I’m a high-end user (3-5L/month) and my Credit Limit is 8Lakhs. (And about 3L unused Credit points. Before coming here I didn’t even know how to look for them.)
    Now, For the 1st time, after reading your work, I’m keen on upgrading my card.

    2 years ago, I closed a 10L+ Loan with HDFC.
    Have an ITR in the range of 25-30L in last few years. And now I have started a new job with 3.5L/month package. Do you think I could straight away ask for an Infinia? (I’m a 15 year old customer with a very good relationship.)
    Else, I realised that through Netbanking they want to offer a Regalia.
    Please suggest.
    Thank you once again.

    Reply
    1. Prashant Gupta

      You can try for infinia but will definitely get diners black…ask your RM and branch for infinia.

      Reply
      1. Utkarsh

        They are saying that for Infinia, ITR should be in the range of 40L. So now what They are offering (and I am considering) is splitting my card into 2 cards.
        Diners Club Black with limit of 5Lakhs
        And Regalia with limit of 3Lakhs

        Reading the review of Diners Club Black on this website, I’m planning to say yes. Your thoughts?

        Reply
        1. S&S

          Hi Utkarsh
          I had a 6L regalia limit.
          When I opted for DCB, they split it into 4L for DCB and 2L for regalia.
          I would suggest go for the split offered.
          Over time with your spend levels your DCB limit can go up substantially.
          I now have an 8L limit on DCB alone. Regalia remains at 2L. I hardly use regalia.
          Since you seem to be closer to the 40L requirement for Infinia, you can in due course upgrade regalia to Infinia.
          My experience has been – If one doesn’t meet Infinia requirement but still wants it, they ask you drop DCB.

          Have fun with DCB while the party lasts!

          Cheers
          S&S

          Reply
          1. Thomas

            Hi can you tell me the fees charged while splitting will both cards come LTF

        2. Prashant Gupta

          Utkarsh…..thats how most people do….split into diners blach and regalia….go for it……i am actually waiting for my limit to cross Rs8L and then try an upgrade for yes prefered to exclusive.

          Reply
        3. Points Guy India

          You should do exactly what bank has suggested you,
          Split your AllMiles 8,00,000 into two cards and get Diners Black with 5,00,000 and Regalia with 3,00,000 limit, The good thing about HDFC is that your cards will not be share limit and you will have separate credit line from both cards and your credit limit will increase in both the cards according to your usage,
          Eventually you will have two credit cards from HDFC and both will have 8,00,000 limit so total of 16,00,000.

          Reply
          1. Anoop E S

            Hi

            I’ve one doubt regarding splitting the credit card limit. How to get it?

            My DC Black limit recently increased to 9 lakhs. I would like to split a portion of the limit either to regalia or jet signature.

        4. Sharathkumar Anbu

          I would say it’s a good decision and go ahead!

          Reply
  85. Utkarsh

    Thank you all… I have applied for the same.
    They say cards will be here in a week’s time.

    Good Day.

    Reply
  86. Agrim

    Hi
    Thanks for your opinion members. Still struggling to get the card. Today i had to fill the upgrade form again for infinia application.
    Just wanted to know that in card upgrade do they transfer the points from my old card to new or do i have to use the points in my card before upgrade as nothing was mentioned in the form and RM had no idea so he said to use it or you may loose.
    Thanks

    Reply
  87. RNC

    Hi Siddharth,

    I have a Regalia card with a limit of 8 lacs (recently enhanced). My spends in the last year were around 14 lacs. My ITR is around 24 lacs with a 820+ Cibil score. In addition I have a business account with HDFC – FDs in excess of 3 crore. Can I expect to be approved for the Infinia card? Many thanks.

    Reply
    1. Rohit

      Your ITR is a bit on the lower side for Infinia but given your NRV they may very well offer it to you. Talk to your RM.

      Reply
  88. Anonymous

    Hello Anoop E S,
    You can simply walk into your HDFC Bank Branch and talk to Credit Card Guy there or RM or BM and tell them that you are interested in splitting your credit limit into two cards because Diners Club cards don’t have good acceptance ratio and you need backup visa or master card,
    Then they will make you fill form for the new card that you want like Regalia etc, and on plain paper they will take request for limit splitting and you are done,
    First your limit on DCB will be decreased and then you will be issued your desired card.

    Reply
  89. Mandar

    Is Infinia, with benefits curtailed off late, still one of the best credit cards in India?
    (No more Taj Epicure membership
    No 10x reward points as in Diners Club Black
    Limited Domestic lounge access, although international lounge access is unlimited)

    Reply
    1. Mrinal T

      what is the domestic lounge access limit ? i have used 4 within a month , no charges yet .. can you please also share where you got this information from … my RM is clueless when asked this question and the welcome letter just said Unlimited without any * mark present

      Reply
  90. Mandar

    Happy and excited to share that finally my Infinia has reached me, with an add on card for my wife and and priority pass for both of us!
    Still learning how to put it to best use, and would appreciate guidance from this forum regarding the same.
    @Agrim, the equivalent of your current points gets transferred upon upgradation. So no need to spend the points prior to upgrading.

    Reply
  91. Anshul Chrungu

    I have an offer to upgrade to Infinia.
    My current credit limit on Regalia is 9.5 lacs and I do spending in excess to 8 lacs p.a. on this card.
    I also hold An Amex platinum travel card where I spend an equal of 8 lacs (cr. Limit – 5lacs).

    Given the recent reward program upgrade on Regalia where you are eligible for a bonus of 15k points if your spends exceed 8 lacs in a card calender year; I would like to ask the forum here does it still make sense to upgrade to Infinia. I think it might reduce the reward rate on a large extent?

    Reply
    1. Mrinal T

      upgrade with your eyes closed , inifinia also has an option to get your fees waived when spend crosses 8 lacs p.a

      Reply
    2. Sharathkumar Anbu

      If you do the math, You will see that you will only gain and don’t lose anything.

      Let say you are spending 9 Lakhs per year. You are not spending on 10x partners too, just for simplification.

      By Spending 9 lakhs per year, You will get 9,00,000 / 150 = 6000 * 5 = 30,000 points which is equivalent to 30,000 rupees

      Whereas in Regalia, you will get 9,00,000 / 150 = 6000 * 4 = 24,000 + 15,000 (Bonus reward points) = 39,000 points which is equivalent to 19,500 rupees.

      In Infinia, 1 RP = 1 Rupee whereas In Regalia, 1 RP = 0.5 Rupees, that makes the difference

      When you spend on 2x partners and Smartbuy (10x), you will reap more.

      Congratulations for your upgrade!

      Reply
  92. Prashant Gupta

    How much limit is required on existing card for upgrade to infinia. I have a limit of 8.05L on DCB.

    Reply
    1. GTMAX

      Based on one of the interactions I had with an HDFC CC representative, it should be possible with 8L+ credit limit.

      Reply
    2. MrinalT

      you will now have to surrender DCB to get an infinia if they find you eligible

      Reply
  93. Gkcards

    Is it possible to get DCB changed to infinia but without having HDFC bank account?

    Reply
    1. Siddharth Post author

      I’ve Never heard anyone holding Infinia without a great relationship with Bank.

      Reply
      1. Amar

        I have both DCB and Infinia without an HDFC account.
        And 1 DCB in my wife’s name as well (not add-on) – she doesn’t have an account either, though we had to open a FD to get her a DCB.

        Reply
        1. GTMAX

          How many months back the second card was applied?(DCB/Infinia). From the last 5-6 months, there have been some policy changes and it is very difficult for someone to get a second card now?

          Reply
        2. Balpreet Singh

          Amar,

          If you can share your experience of holding both premium cards without any other relation with HDFC Bank. It would be good inputs for us.

          Reply
          1. SM

            Not true. I have both Infinia and DCB with a split limit (8.5L and 5L)

        3. Gkcards

          How did you get infinia without account? I have DCB without account and it was purely because of an RM in HDFC. My friend has HDFC account, and his RM processed DCB for both of us.

          Reply
          1. MrinalT

            Put pressure on your RM , if not now , then in december when they are usually under pressure to meet their yearly targets , or towards the end of the quarter , high chances they will work for you….dont bend into pressure of FD very easily ….they just make you put FD to get to their desired target , it can be even a worse option (like selling you a bad ULIP)… we should not feel that we are desperate to get a card , they should feel that we deserve this card

    2. Mrinal T

      they will get you one , i got mine after having regalia for just 6 months , but the trick was that my RM was desperate to meet his savings account opening target , so my wife’s savings account opening + desperate RM = upgrade to infinia

      p.s i am preffered customer only , and maintain just above the required min balance requirements , but heavy CC spender

      Reply
      1. Sharathkumar Anbu

        Hi Mrinal,

        Any idea about how much you have spent in the 6 months? Did they ask for any ITR to process the upgrade?

        Reply
      2. praveen krishnakumar

        can you use priority pass in domestic lounges for free?

        Reply
    3. RM

      Why would you want that GK? DCB is the best card IMHO, except for the lounge access for the add on card. Even if you were to pay for the lounges sometimes, you will still end up getting more benefits (in terms of points) by using DCB. Instead of swiping DCB for Infinia, just go for another card like from Yes Bank, who would give access to Add on card members also.

      Reply
  94. praveen krishnakumar

    what about cash withdrawal ? For ex: if the limit is 10 laks with 40 percent limit , can you withdraw 4 laks every month?

    Reply
    1. Mrinal T

      you can withdraw , but you will end up paying the interest from the day you withdraw , cash withdrawals do not have interest free period on them , 3% p.m is a very expensive rate to borrow cash

      Reply
  95. Gaurav Mishra

    Hey Siddharth,

    I currently have Regalia card (only 3 months old account) with limit as 5 lacs. I am a government doctor with annual income around 24lacs. What chance do I have of upgrading to Infinia?
    Also I do not have HDFC account.

    Reply
    1. Shivi

      8 Lacs+ limit on Regalia needed for an invitation to Infinia OR HDFC account with FDs over 50 Lakhs or ITR of 45 lakhs+

      Reply
  96. Shivi

    WooHoo! Received an upgrade offer to Infinia! Eagerly awaiting to get it in my hands!

    Reply
    1. Satish Kumar Agarwal

      @Shivi
      Congrats on Infinia.

      If you feel comfortable, please answer following–
      1. Earlier hdfc card type
      2. Using hdfc cc for how many years
      3. Earlier hdfc card limit
      4. Account status- Preferred/ Imperia
      5. Latest ITR value (salary/ business)
      6. Any more information you would like to share that may help

      Thanks in advance.

      Reply
      1. Shivi

        Thank you!

        Response to your queries is as under:
        1. Earlier hdfc card type – HDFC Regalia.
        2. Using hdfc cc for how many years – 5+ years. Started with Regalia itself.
        3. Earlier hdfc card limit – 8,50,000.
        4. Account status- Preferred/ Imperia – Preferred (1L in savings account AQB). My brother in law holds Infinia on Classic Programme.
        5. Latest ITR value (salary/ business) – 3,00,000 salary per year. (3 Lakhs/year)
        6. Any more information you would like to share that may help – My Regalia was due for yearly credit limit enhancement. Found this Invitation in the net banking section. Had MC World Infinia before. Changed to Visa Infinite Infinia version now.

        Cheers,
        Shivi

        Reply
        1. Satish Kumar Agarwal

          @ Shivi

          Thanks for replying in detail and congrats once again.

          Reply
        2. Captain Bishuddha Bharatiya

          Wow Shivi lots of congratulations. So you have only 3 lakhs of annual income and you are holding one of the greatest card. Amazing. Please manage some of your time to answer following questions :
          1. How much was your annual spends ?
          2. Where do you spend ?
          3. Do you have any car, home, business, etc. loan with HDFC ?

          Reply
          1. Shivi

            @ Captain. Response as under:

            1. How much were your annual spends? – About 3-4 Lakhs/annum
            2. Where do you spend? – On everything except fuel. Mobile recharges, grocery, dining, coffee, departmental stores, movies, DTH, online/offline, flights, International spends, furnishings etc.
            3. Do you have any car, home, business, etc. loan with HDFC? – Nope.

        3. GTMAX

          Congratulations on the upgrade Shivi! Amazing to know these details.

          Wanted to know what limit did you start with and how many years did it exactly take to upgrade to Infinia? Also is Infinia offered to you as Lifetime Free card since it is by invitation? Also was your Regalia card Lifetime Free?

          Reply
          1. Shivi

            Thanks, GTMAX. Response to your queries is as below:

            Wanted to know what limit did you start with and how many years did it exactly take to upgrade to Infinia? ~ 5 years.
            Also is Infinia offered to you as Lifetime Free card since it is by invitation? – Not LTF.
            Also was your Regalia card Lifetime Free? No, it was not.

            I received Regalia in 2013 when it was for 5k annual charge. Infinia, that time, was for 30,000 annual charge.

          2. GTMAX

            Thanks for the response Shivi.

            What limit did you start with on Regalia in 2013? And if you remember, can you please share what was your approx annual spend and biannual/yearly credit limit enhancement in each of the following years till 2018? Was it always auto credit limit enhancement or did you manually request anytime in these 5 years by sending CL enhancement form to Chennai?

            And as mentioned by you in your next comment, why did you close your YFE assuming it would have been offered as LTF?

          3. GTMAX

            Thanks for the response Shivi!

            What credit limit did you start with on Regalia 5 years back? Also did you apply for any LE by sending a form to Chennai or you just waited for the auto LE to kick in? Also did this LE happen every 6 months or 1 year? Also during these 5 years what were your approx annual expenses on the card and what was exactly was your credit limit in each of these years? Asking a lot out of curiousity, but this information will certainly help. Thanks in advance.

        4. Gabriel Nadar

          Hi Shivi,

          I also received offer for infinia credit card and i have received the infinia credit card also, can you tell me what difference it will make with visa infinite and MC world, presently i have MC world infinia credit card.

          Reply
          1. Shivi

            Hi Gabriel. You need to compare the offers of Visa and MC and their specific variants on the respective card sites and see which suit you the most. Most of the offers pertain to the hotel brands. I held YFE on MC platform (closed now) so decided to take Infinia on Visa platform.

        5. AshishR

          congraz shivi,

          was ur regalia card ltf.??
          if yes, then after upgrade is infinia also ltf , since they sent u upgrade offer on nb

          Reply
          1. Shivi

            @ AshishR ~ Thank you.

            Regalia was not LTF. Infinia is not LTF

    2. Himanshu

      Congratulations Shivi.

      I just upgraded to hdfc regalia from regalia first. Earlier in march got handsome amount to limit increase to 4X.

      It is shown under net-banking. I am preffered customer. My spends were very high from past 3 months say approx 5-7 lacs.

      Just wanted to know how much time should i wait for LE or card upgrade? Should i manually request after 6 months/ one year or wait for Auto LE/ Card upgrade offer for DCB/Infinia.

      Reply
      1. Shivi

        I can’t really say without constructive inputs from your end! What’s your Regalia limit? HDFC card member since when? Take-home monthly salary/ITR? Business/Salaried? 4X limit of what?

        Reply
  97. R M

    Sid, you’ve given such in depth reviews of all the cards going around. However, you’ve missed 1 very cool program offered by hdfc – their Global value program. They charge you Rs. 200, give back 500 points (which mean Rs. 500 for diners and infinia). After this they give u 1% back on all international spends, thus making effective international markup fee only 1%. Add to it 3.3% points back, meaning a net gain of 2.3%. For diners, even better as you get 33% point back on pos transactions, but diners acceptability is a big problem internationally. Will be great if you could add this program info to all your hdfc cards reviews. Good work, keep going.

    Reply
    1. Shivi

      Actually, RM, the net return on Infinia after Global Value Program would be 1.97% and not 2.3% as there is an 18% GST on the markup fee which effectively takes the 2% to 2.36%. Also, you missed out on the 2k Yatra flight voucher you get on spending 150k Internationally under the GVP!

      Reply
  98. Balarama

    Hi, Anybody used the card for golf programme?
    Please provide review if anybody used, what are the charges involved.
    Thanks in advance

    Reply
    1. Geeth

      I’ve used the golf programme in 2 courses. The card covers green fee however caddie/biggie fee has to be paid by you. It’s pretty good however eg. If you’re booking Prestige Golfshire in Bangalore the total fee including the buggie costs you Rs. 2999 on weekdays around 5k on weekends. This card gives it to you at Ra. 500 only

      Reply
  99. Dev

    Thank you for this great site!
    I hold both Infinia MC variant & DCB (both on first holder basis.. yes thats possible)
    DCB is the best till the offers last.
    Alarming update: 4 complimentary lounge access per quarter through Infinia Visa/Mastercard Card Lounge program – UNLIMITED NO MORE!!
    Do advise on Any other card with comparable benefits that I can consider, as loyalty lies now with the bringer of best deals!
    Thanks Siddharth for the regular updates and keep sharing!
    Cheers

    Reply
    1. Shivi

      @ Dev – Check out StanChart Ultimate, SBI Prime, SBI Elite and CitiBank Prestige credit cards or AmEx Platinum Charge Card. Just depends what you are looking for. It made more sense to me holding SBI SimplyClick so I downgraded from SBI Prime.

      Reply
      1. Dev

        Thanks Shivi
        Exploring now! Already hold a SBI Elite. Checking out the others

        Reply
    2. Sharathkumar Anbu

      If you are holding Infinia, Can’t you use your Priority pass in domestic lounges too?

      Reply
    3. Rohit

      @dev. Hi I got a offer in netbanking to get diners club black. I spoke to customer care and finally after few weeks I have escalated the matter due to poor response. I have been using hdfc credit cards from past 9 years and currently have a LTF Regalia. Now the worst part is manager says that by default they send to all customers regarding diners club black card upgrade πŸ™‚ and I am not eligible for it. Also bank said they no longer give 2 cards. In comments I have seen people holding infinia and black. Does pre approved card means it is still not approved?
      If bank denies black then I will ask them for infinia. Does smart buy has 10x for infinia too?

      Reply
      1. Dev

        Hi Rohit
        The DCB is against FD. Infinia was issued as upgrade to Regalia.
        This is the way one can hold 2 super premium cards from one issuer.
        Not sure if i answered your query though.
        I have been drawing 10x benefits on smartbuy using infinia for flights, amazon, flipkart..
        rest i use DCB – uber/swiggy/ zomato etc

        Reply
        1. DCB user

          Hi Dev
          when did you get those cards issued. HDFC might have stopped giving two cards now but would have been giving at earlier times. I hold DCB(7.75 lakhs CL) and I thinking if I can get Infinia as well or not!!!

          Reply
    4. Dhrumil

      I dont think thats true as you can use priority pass with domestic lounges as well and that would give you unlimited lounge access. Am i missing anything?

      Reply
  100. Rajesh

    Hi thanks for your post… I’ve been invited for the Infinia card by my bank. And they’re ready to make it ” lifetime free” for me. However, I doubt that.. Also if I don’t happen to spend a lot using that card, I wonder if they will stop waiving off the annual fee …and make it paid… instead of lifetime free…
    What do you think?

    Reply
    1. Shivi

      Ask the bank people. Never met anybody holding Infinia LTF without a clause attached to it!

      Reply
    2. Rohit

      @Rajesh
      May i know what card were you using before ? Also you said your usage was low with previous CC .May i know how much you spent. I have doubt that if we spend more then HDFC would not upgrade the card thinking that they have to give more reward points πŸ™‚ . By the way if they are offering LTF infinia make sure you get it confirmed through mail. And if there is any condition they will definitely let you know before dispatching the card. Also can you share your reason to get invited ? Thanks

      Reply
  101. Shivi

    @ GT Max, posted on Jan 31, 2019:

    What credit limit did you start with on Regalia 5 years back? – 3 Lakhs.
    Also, did you apply for any LE by sending a form to Chennai or you just waited for the auto LE to kick in? – No application sent for L.E; only the auto LE offer.
    Also did this LE happen every 6 months or 1 year? – Auto LE was every 1 year, not 6 months. The LE offer used to be there on the net banking page.
    Also during these 5 years what were your approx annual expenses on the card – 2 Lakh to 4 lakh.
    what was exactly was your credit limit in each of these years?- Started at 3 lakh, auto L.E was 30% increment of previous year’s limit. So 300k, 390k, 507k, 659k, 859k~ and Infinia.
    Asking a lot out of curiosity, but this information will certainly help. – No problem.
    Thanks in advance. – You’re welcome πŸ™‚

    Reply
    1. GTMAX

      Thanks a lot for such a detailed response Shivi. Really appreciate it! πŸ™‚

      Reply
  102. Tushar Shah

    Hi Siddarth,
    Is there is there any difference in offers or rewards between Infinia Master Card World & Infinia Visa Infinite. Which variant would be more beneficial.

    Reply
    1. Shivi

      Depends what perks you are looking for. Go through Visa and Mastercard cards sites and see the benefits of the variants to decide.

      Reply
  103. Ajay

    While upgrading from REGALIA to INFINIA are the RP get reduced by 50% and deposited like they do incase of REGALIA to DCB upgrade?

    Reply
    1. Ajay

      Confirmed its 2:1 like DBC which is very sad because my old CLUBMILES did 1:1 when upgraded to DCB and its suppose to be a equal/lower card to the REGALIA. In a perfect world it should be a 1:1 transfer with respect to INFINIA.

      Reply
      1. Prashant Gupta

        It should be 1:1 in perfect world. In infinia 1 point is equal to 1 Re and in regalia it is 50paisa. This also explains the conversion.

        Reply
    2. RM

      Technically, officially, and as per rules they should.
      However, my father’s regalia upgraded to DCB – 18000 regalia Points converted to 18000 DCB points. When asked on phone about this to CC executive – he said – as a prestigious member, our special gesture to you.
      Further, my regalia converted to Infinia – same. 14000 points converted to 14000 only.
      I was kicking myself for redeeming the points on both cards earlier.. But it also may be possible that since points were not too much, they did nothing..
      Moral – As everywhere in life, Don’t be too greedy.. πŸ˜‰

      Reply
  104. SK Singh

    I have ITR of Rs 83 Lakhs and hold HDFC Diners Black so can get this because I cannot get any options for upgrade on internet.

    Reply
    1. Mrinal T

      you will need to give up your DCB for infinia…call up customer care and say i want infinia (dont mention the ITR part unless they absolutely insist on the documents)

      Reply
  105. Gkcards

    With club vistara benefit also going away this month, I guess this card is no longer elite now. Only benefit seems to be PP and less forex markup now

    Reply
  106. Tamanna

    Upgraded from women’s solitaire card to INFINIA in 2 years. RP transferred @ 25%. Spends on Solitaire card were hardly in the range of 10-20k per year!

    Reply
  107. Sandesh

    Is there any cap on monthly rewards in infinia? Although I can’t find anywhere. Recently I got to know HDFC Dinners Black had capped max monthly and cycle rewards. I have spending of Rs 42 Lakhs on my commercial electricity bill. Will i get 3.33% reward on it? So will i get approx 1.33 Lakh if i use infinia or dinners black?

    Reply
    1. Siddharth Post author

      No bank wants to reward those who’re using personal cards for commerical use, especially when the spends are so high, like this.

      Reply
    2. Ankur Mittal

      There is no cap.. I have been spending a lot on Infinia..

      Reply
  108. Gagan

    Hi All, Shiv

    Quick Query… how are the points redeemed for Infinia? If the rewards platform similar to Regalia – like redemption options only for hotel, flights etc?

    I hold Regalia & Diners Premium but usage is low because of limited redemption offers (flights, hotels are no no for me). My most spends are with Yes First Exclusive which gives me like 2.5% rewards and then I use for Gift Vouchers.

    HDFC Infinia is offered to my wife (paid version) but wanted to be sure of it before applying. Need to be sure that 10K points which one gets of fees payment can be utilized effectively.

    Reply
    1. Shivi

      @Gagan – Reward redemption for Infinia is on the same lines as that of Regalia. You may look at the standard chartered bank Ultimate credit card for your needs of redemption vouchers. That too gives you 3.33% return, on pro-rata basis.

      Reply
      1. Gagan

        Thanks Shivi for the feedback. Will explore Ultimate Card.

        I have SCB Visa Infinite LTF already along with SCB Manhattan (paid).

        Reply
  109. Hardik Parikh

    I have a Diners Black with 8 lakhs limit for the past one year, Regalia with 5 lakhs limit, several family accounts and demat accounts. I also opened a current account, a few trading accounts and a locker with the bank this year. I also bought a couple of health insurance policies with the bank. We were imperia customers in the past but have been preferred customers with the bank for the last 5-6 years. I asked for the Infinia in May 2018 but was told about the high ITR criteria. i was instead offered the Diners Black with limit of Rs 5 Lakhs and Regalia LTF with limit of Rs 5 lakhs in place of my existing Regalia with a limit of Rs 10 lakhs. In the last year I had spendings of over Rs 9 lakhs on my Diners Black and my limit was increased last year itself based on an online offer to increase limits.
    I called up the call centre. They checked up and told me that they do not currently have an offer to upgrade the card to Infinia. They asked me to tell the branch to forward my application. Would it work out this time because I have a good relationship with the bank but I do not have a high ITR?

    Reply
    1. S&S

      I too had been trying for Infinia but was just falling short on ITR and was making do with DCB and regalia. Recently an inadvertent transaction caused me to lose my DCB… It was blocked.
      In no one time I saw regalia to infinia upgrade option in my account. I took it with both hands.
      Spoke to my RMs supervisor to reinstate the DCB.
      The credit card guy told me since I already have the infinia they can’t reinstate DCB at my current ITR levels due to the exposure they have on me.
      But he said on a 5/6 lakh FD he can get me the DCB.
      Yet to make a move on it.
      I’m sure you get the drift :)?

      All the best

      S&S

      Reply
      1. Ashish Nikhare

        5/6 Lakh for DCB is fine. But, do you have any idea of how much FD value is required for getting Infinia. Coz, Infinia is far better than Diners in terms of acceptance both online & offline especially when we need to do high value transactions ie. > 1 lakh. Apart from that Infinia has NPSL.

        Reply
  110. Bala L

    Hi Siddharth,

    Excellent info – great site!! I have one question about Infinia which I just got recently. Do I need to pay for my minor child for lounge access?

    Thanks,
    Bala

    Reply
    1. Shivi

      Depends on lounge to lounge @Bala. How “minor” are we talking of?

      Reply
        1. Shivi

          That’s not minor in lounge language. She’ll be charged as per guest charge.

          Reply
  111. Ajay

    Hi All

    Assuming acceptance of DCB is not an issue for me, except for Unlimited Priority Pass access, what are the other aspects where Infinia is better than DCB?

    Thanks
    Ajay

    Reply
  112. Ajay

    As long as 10x continues DCB is the best. Infinia doesn’t have anything special benefit over DCB apart from lounge access you said which also if you think is not a big deal. Also infinia doesn’t have diners specific 10x program.

    Reply
    1. A2Z

      If someone is not looking for 10X partners then Smartbuy gives 10x for Amazon, Flipkart & other partners which is why I opted for Infinia.
      I could not get DCB but now I am fine with Infinia. πŸ™‚

      Reply
      1. Ajay

        Smartbuy 10x for Amazon, Flipkart is available for DCB as well. Isn’t it?
        So there is basically no real benefit of Infinia over DCB (except unlimited PP access).

        Reply
        1. jambui

          Infinia is well accepted overseas. Diner is hit and miss.
          Add to it 2.36% forex – 3.3% reward rate, one get rewarded even for foreign spending.

          Reply
  113. Mrinal T

    looks like a lot of people are getting hold of Infinia/DCB now , HDFC may consider downgrading the benefits sooner or later…. make the most of the cards till the high rewards last

    Reply
  114. Vikas Mehta

    Will i get 10x on infinia through smartbuy. Ideally i should.
    Also, what is the upper limit of 10x points infinia. Diners has 25000 per month as of now.

    Wife has diners club black, yes exclusive and SC ultimate cards…..we have imperia account and i have 8L on my regalia….was thinking of getting infinia.

    Reply
  115. Sunny

    Hi Sid, nice article!!
    I have DCB for last 1 year and now have been approved for Infinia, do suggest if I should go ahead or not

    Reply
  116. Binod Kumar Mishra

    I was approved Infinia Visa Infinite Variant 6 weeks ago. Here are the details:

    I am a government doctor with professional experience more than 30 years. I did not have any credit card before HDFC’s Credit Card which was offered to me in August 2018. My CIBIL was high but there was only one entry which was a closed auto loan I took in 2010. My first credit card was HDFC Regalia.

    I have been HDFC’s customer since August 2018 and did not have any account with HDFC. I opened a joint account with my wife as sole owner and I the second owner. The account was categorised as ‘Preferred’. I have been Regalia with 5 lacs limit since August 2018, this is my earliest association with HDFC. Have been using Regalia, average spend per month was around Rs 87,000. I had sent an email to the Customer Service to upgrade my card in November 2018. They asked for last two ITRs and the computation sheet as well. They sent a representative to collect my ITR and the computation sheet. The most recent ITR was for Rs 36,00,000 and the previous one was for Rs 21,00,000. It almost took 2 months for them to get back to me and approve the card after I talked with one of the higher-ups.

    Now the limit on my Infinia is Rs 8,00,000/-. Upon asking my RM why I was approved the card despite not having required relationship with the bank, he said that they treat Government Employee in a different way than they would treat a private sector employee, as the former has highly stable source of income and are reasonable to deal with.

    Have been using it for a month. The reward is just crazy. The 10x Reward Points offer is simply awesome as it offers 33% rewards back when shopped via SmartBuy, I just hope it continues post 31st March 2019.

    If you have a query, do let me know.

    Dr. BKM

    Reply
  117. Atul

    Got hold of Infinia today. Had no plans of applying for it (even though I met the income criteria but was not keen on paying the joining/renewal fees and not a heavy spender as well so spend based renewal is not an option) However to my surprise when I visited the branch for some paperwork, my RM mentioned that there is some special year end offer and I can get this as a LTF variant. After getting a written confirmation of the same applied same day and I received the card in less than a week with a healthy 10L limit.

    Reply
  118. NightHawk

    Received Infinia as my first ever CC around 2 months back.

    Cashback points coming are good and redemption on HDFC Infinia’s Reward website is where 1 point = 1 Rs, so all in all a very favorable card.

    Also getting it as LTF was a cherry on the cake.

    Reply
    1. GTMAX

      @NightHawk

      It would be great if you can share how did you manage to get it as LTF?

      Reply
      1. NightHawk

        My RM shared with me about the offer which HDFC is having for ‘new’ high customers. I just needed to refer somebody to open a savings account with HDFC and they also got the preferred banking directly since I already had preferred banking.

        Reply
  119. Aryaman

    Hi , just an update on the Infinia.
    The Club Vistara Gold Membership seems to be gone away and replaced with a Club Mariott Membership after 31st March.
    Please update the article accordingly.
    Source ~ The benefits & privileges booklet relieved with the card.

    Reply
  120. GTMAX

    Gobsmacked to see the auto limit enhancement available today on my Wife Regalia CC from 3.75L to 8L !!!

    Had received it as a pre-approved LTF card in Dec 2017 basis banking relationship with HDFC with a limit of 3L. Received auto LE from 3L to 3.75L in Dec 2018. Did 3 transactions cumulatively of 21K on 20th Apr and received this auto LE post that. Total spends on this card in the last 15 months were just around 60K as all of my spends are directed towards my DCB.

    Happy as the next auto LE should ideally trigger an upgrade to Infinia! πŸ™‚

    Reply
    1. Captain Bishuddha Bharatiya

      Congratulations GTMAX. Can you please explain in details what banking relationships you have ?

      Reply
      1. GTMAX

        Have a preferred banking relationship with a savings and PPF account. This is the only credit card in my wife name with extremely high experian score of 895. No EMI, No Loans, nothing else from the bank.

        Reply
  121. Arun

    I received infinia LTF. it is the great experience with infinia.

    Reply
    1. Rajeev

      Hi Arun,

      Can you share on what basis the bank offered you Infina as LTF?

      Reply
      1. Rohit

        I had a very high limit on Regalia. I asked RM to upgrade, but he said LTF Infinia is being offered only to high value ‘new’ customers. So I told him to cancel my Regalia and get me Infinia by showing me as a new signup. I had to : 1) Open a savings account (minimum balance – INR 10 k), 2) Open an FD (11 k), 3) Refer one more person for a savings account. I’m told my Infinia is on its way. Hope to get it within a week.

        Reply
        1. AJ

          Hi Rohit,

          Can you confirm if the FD amount is 11,000 or 11,00,000 Rs. Thanks in advance for the clarification.

          Reply
        2. Rajeev

          Rohit,

          Have you received your Infina?

          Also request you to clarify the question by AJ i.e. Can you confirm if the FD amount is Rs 11,000 or Rs. 11,00,000?

          Reply
  122. Dhrumil

    Today, I got the offer to upgrade from Regalia to Infinia. I have been HDFC CC user since 10 years and have been using Regalia for 4 Years. My Regalia is Life time Free. I spoke to my RM and he advised against going for Infinia as I get 6 lounge visits for free even in Regalia. Also, i feel he does not understand the complete benefits of the card.

    I am eligible for the first year waiver. Next year onwards I have to pay for it. Also, Vistara gold membership is not being offered anymore.

    Whats your take on Regalia LTF vs Infinia. My CC limit is also high on Regalia at 8.7 Lakhs.

    Reply
    1. MT

      Infinia bro , anyday , reward rate itself is higher , unlimited PP access for primary and supplementary , if you use smartbuy , straight savings jump of 15% (18-33%) , if you keep spending above 8lakhs on infinia a year , its free for you

      Reply
  123. Pranav sharma

    I need to ask some questions
    1 how much time it takes to reflect the reward points in my account.
    2 if i make payment like mobile recharge, Broadband recharge will it get reward , as rs150 = 5 rp
    3 wallet is excluded , is that means adding money to wallet like paytm , Amazon etc.
    3 also in dinning it is written stand-alone restaurant , what it means , will be applicable over restaurant like haldiram etc.
    4 if use infinia website will there be any additional charges like there are in reward redemption site( they are charging rs 99 for redemption)

    Reply
    1. MT

      1. The 1x points you get when the transaction settles (T+2 ), the bonus points 2x,5x,10x is offer dependent

      2. No points for recharges/bill payment/ utility payment

      3. Most of them are 2x , specifically haldiram i am not sure of , try it once and calculate and see… standalone by definition means not a chain like dominos , mcd , etc , haldiram may be there

      4. All wallet excluded , you have mentioned the liat yourself , they dont give for their own payzapp also

      5. No additional charges on redemption ( sure for flight tickets and hotels , not sure on merchandise)

      Reply
  124. pranav6410

    No points for recharges/bill payment/ utility payment where it is written i even called their customer care they said fuel transaction, wallet money loading and easy emi is excluded only.
    if i make a bill payment through their app payzapp will i get 10x reward points for that or simple 1x points for that(added credit card in payzapp app)
    also please tell if i use promo code will i get rewar point for that.
    need clarification
    please tell

    Reply
    1. MT

      My current month utility bills are due , will pay and see if i get points , will update on that from my side unless another member beats me to it… my opinion about paying via payzapp (not sure if they give 10x points on utility payments , but BILLPAY promo code should get you 5% cashback upto 250rs per month, additional GROCERY promo code will be extra cashback per month)

      Reply
      1. Pranav sharma

        Also i need to ask , the customer care guy told me that on reward redemption site they do not charge rs99 reward redemption fees on infinia credit card is it true.

        Reply
  125. KUNAL SHAH

    hey, always impressed with your detailed analysis. any update on the current comparison of HDFC DINERS BLACK & HDFC INFINIA in 2019 ?

    Reply
  126. Neel

    Hi,

    I have been a Regalia customer since 3 years and last month got notification to upgrade to Infinia. My Regalia credit limit is 10L+. My Regalia was LTF. Initially I was skeptical to pay 10K every year but what I see is that if you dont hit the Rs 8Lakhs spend to waive the fee, you do get 10K membership points (worth Rs 10K since 1RP = 1Rs) . Few questions I had:
    – What is GST on the Annual Fee? Is it 6%?
    – For rewards points, I could only see that there would be no earnings for Fuel. Is that right?
    – For insurance payments, there is a cap of 2000 points per transaction. Does this mean that we get rewards on insurance payments upto Rs 60K per transaction?
    – I see in comments above that “No points for recharges/bill payment/ utility payment”. I could not find that in terms and conditions anywhere. Can someone point me to that?
    – Can someone help clarify: “No rewards points for e-wallet loading transactions”. Even if I do not have say cash in Paytm or Phonepay…when I scan a code to make payment via credit card, I’m assuming it still gets credited to one of the wallets first before moving to the end client. So in summary can we say that no rewards points when making payment using any wallet?
    – How about PayZapp. PayZapp is more of a transaction gateway. Do we get rewards points for transacting via PayZapp?

    Reply
  127. Nithin

    Had a bad experience with HDFC bank.

    10 days back got a call from hdfc bangalore Kmangala branch that I have an offer for LTF Infinia offer for the salary I have mentioned. I already have a regalia with >8L limit. They sent me an executive who told me to open hdfc saving account where i need to maintain 1L quarterly balance. The executive told me that i need to close by regalia card.

    My saving account got opened immediately and my regalia got closed.. However my infinia credit card app got declined. πŸ™

    Reply
    1. Mickey

      Nithin – just write an email straight to the Nodal Officer and explain the whole thing.

      Reply
    2. Rohit Roy

      @Nithin
      Excatly same thing has happened to my card. But only difference is they said I could continue using my regalia and there is no concept of cancelling and applying. In general card gets upgraded transferring all reward points.
      I have already informed the person who told me about this card and carried out paperwork. Whom should i contact if that person stops responding ? I just hate this type of false promises πŸ™

      Reply
      1. Nithin

        @Rohit

        I was in touch with RM. He pursed it and finally ensured it get approved.

        Reply
  128. Soumil

    Does Infinia also have 10X benefits that Diners black has with partner brands like – MMT, UBER, Swiggy etc ?
    I know it has 10X with Smart buy but does it have with other partner brands ?

    Reply
    1. Mouli

      Infinia doesn’t have any 10x partners other than Smartbuy

      Reply
  129. S

    Hi Siddharth,
    Nice forum. Wanted to know how do you calculate the Rewards % for every card?

    Reply
  130. Piyush

    How can i get contact from representative. I need to apply credit card which have international lounge access specially in Europe along with at least 2 add on cards. I am working with Tata Consultancy Service so hoping to get corporate benefits.

    Reply
  131. ram kashyap

    HI sid

    i am one of the hdfc regalia first customer with 10L limit.

    i am using for the past 13 yrs.

    is possible to upgrade to infinia now with LTF?

    ram kashyap

    Reply
  132. Hemang

    Hi sid,
    I have HDFC Infinia and it just wonderful..
    Using since 8 months ans got reward point about 1lak + Free golf 3 times in month.
    after 6yr using Regalia they offered me. Best card as you said that…

    Reply
  133. NITIN MEHTA

    Hi,
    suggest a card for me.

    At present, I am using Yes Bank First Exclusive. Annual spend is around 9+ lakhs. I use my credit cards across my spending including groceries, dining, hotels, etc. (flights are booked by corporate)

    Reply
    1. Prashant Gupta

      Stanc ultimate, hdfc diners black, hdfc infinia and any of amex cards.

      Reply
  134. Ravi

    Hi, I must say great website with everything one needs to know about cc.
    I have been offered both Infinia as well as Diners Black Card lifetime free by hdfc by virtue of my banking with them. Which one should I accept?

    Btw I already have Amex Personal platinium card which I use for most of my expenses business as well as personal, I am attempting to qualify for amex black. I also have ICICI visa platinium as back up.

    Reply
  135. Rohit Gupta

    I recently got the Infinia. The RM was 99% certain I will get the Visa Infinite variant, but I got the MasterCard World version instead. It seems they may not be giving out the Visa Infinite variant now. Did anybody recently get that variant of Infinia?

    Reply
    1. Nithin

      @Rohit,

      I too got MC world. But I requested my RM to change it to visa infinite variant. Its converted now.

      Reply
  136. Sourabh

    Hi All,
    Inspired by all credit card point minters here, I got Infinia card today after upgrade from regalia. Thanks to Sid for all the guidance.
    My friend who is BM opened my account and I had to submit ITR of 35+ to get that. Although its not LTF only joining is free.

    I have few questions –
    1. I know wallet and fuel transactions dont accrue points bu do they count towards annual milestone spend. If I cover my paytm additions, I can easily cross 8 lac.

    2. Is there any benefit if I link all insurance to auto pay on HDFC card ? I have 4 insurance and do we get some x points on autopay ?

    Please guide.

    Reply
  137. 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. vel

      Hi Saurabh,
      I paid 570 Australian Dollar = almost 28000 Rupees just to get my Priority pass only for me, a single card. Since, I am travellling a lot from Australia to India, minimum I use the Priority pass 4 visits per return flight. Yes, I used Priority pass in Australia(departure) and in malaysia (transit). While Returning Chennai was awsome, they have kingfisher beer, south Indian foods, Juices, water and all. I was really happy using this Priority pass.
      Just think of you get Unlimited two cards from HDFC bank primary and supplementary cards, both unlimited. Really, Really worth holding this cards if you are in more travelling.
      * Cost to spend on airports to the annual fees
      * Cost of the Insurance they provide
      * Cost of the points you collect
      *Other benefits

      This is Really Worth. Last time my transit in Malaysia was unfortunately more than 6 hours and I just tried swipping the card two times in different lounges and it works, no addtional cost billed sofar( 1 month ).
      For me Its good card. So I am planning to invest 11 Lacs in FD and want to get this card.

      Reply
  138. vel

    Hi Siddarth,

    I am an NRI and my earning are good, spending yearly say more than 10 lakhs on travel and purchase. I had a home loan in 2006 and settled down completely within 4 years out of 15 years. How possible I get this Infinia creditcard Straight away?

    Cheers
    Vel

    Reply
    1. Ankit

      Since you’re an NRI, the only way that you can get any credit card is to make an FD with the bank. The minimum limit on Infinia is 8L I believe. You get 75% of the credit limit of the FD. So I guess about 11L FD minimum.

      Reply
  139. Amit

    Hi,

    I have Regalia for over 5-6 years now. My limit on Regalia is 11.5 lacs and avg yearly spend is around 7 lacs. I also have savings account for the past 9 years but the balance in that is not high.

    Do you think there is a possibility they might upgrade? If yes, I will definitely visit the Branch.

    Reply
  140. Saravan

    Hi

    I would like to share about my Infinia card invitation.

    I was using Regalia card (LTF) since Jan 2015. Every year, my CC spend keep on increasing from 5 lac to now 12 lac plus (this year). one or two times i have attempted for INFINA card thru my relationship manager (i am a classic ac customer). But no positive response recd. I am maintaining the HDFC ac for the past 20 years and also maintained it as salaried ac for the same duration . Due to this relationship, my Regalia credit card limit been upgraded thru net banking few times. Last mth only it was upgraded to 6 lac to 7.8 lac, with in 15 days again it was upgraded to 10.14 lac. Now they invited me for the Infinia card last week. Hope bank relationship and credit card payment status ( no default till date and CC due amt get paid before the due date ) will always give advantages by increasing CC credit limit as well as CC up gradation.

    Reply
  141. Jibin Ashraf

    Hello Sidharth,

    A really helpful article.
    A suggestion is to have a comparison option.

    Reply
  142. Parth Patel

    I have HDFC Jet Word card with CL of 9.38 Lac. Ever since Jet has gone bust it doesn’t make sense for me to use this card anymore. However every time I go to “credit card upgrade” section on my net banking it says
    “We apologize, but this facility is temporarily unavailable. Please try again later.”

    Does anybody have an idea if this is standard message if no upgrade is available or something is wrong with my account?

    I dont have an RM assigned and currenty a virtual RM from Ahmedabad answers call and he says he will send some guy with forms and all but that process isnt going anywhere since last 20 days.

    Reply
      1. Parth Patel

        Thanks, I was just upgraded to Imperia account by clicking on offers in net banking. Have been appointed a new local RM so will just wait and push him to get me an Infinia. My ITR is only abt 9lacs but limit on my current card is 9.38L and am joint/ second holder in about 4 business accounts and about 12-14 personal savings accounts(my parents, brothers, sisters and their entire family including their and mine kids), so let see if I can armtwist my RM.

        Reply
    1. Karma Dawa Sherpa

      Hi Mr. Patel,
      I use to have HDFC Jet Privilege World Card with 10 Lac limit past 2 years and RM called me for upgrade and it was done over phone with OTP and got the card in week time. I also wanted to change my card after Jet stop flying and many times I requested for card upgrade I use to get same β€œWe apologize, but this facility is temporarily unavailable. Please try again later.” message.

      I was a JP member with Platinum and now I started flying Vistara and with this Infinia card I found its one of the best card specially when it comes to reward points and also Infinia help line. Every 150 spend you get 5 reward and its equivalent to Rs. 1/- I have been calling Concierge team redeem reward point booking Vistara flight and its counted as revenue ticket which will help you get tire point and retain Vistara tier if you are Club Vistara member.

      I am sure with your credit limit and relation with bank as written by Siddharth you should get call back from bank saying it has been approved. Just ensure your RM has requested for approval. I also did not pay joining fee.

      Reply
  143. abhishek Indore

    Hi Parth Patel, Yes this is standard message if no upgrade is available. Dont worry.

    Reply
  144. Mickey

    This is standard yes.

    Sometimes it will give you a ‘Notify me’ button to click on.

    Reply
  145. Sarang

    Hi
    I came across this website while doing research on credit cards with good rewards program. Thanks Siddharth, for such an exhaustive site with loads of information and tips.

    I am holding HDFC Regalia Card since last 7 years and with a CL of 9.75L. This is the only card that I have and my annual spend is in excess of 10L. I am not very savvy person when it comes to managing rewards and miles. However, going forward I would like to get more mileage out of my spends.

    I would like to seek feedback from this forum which is good card to have for travel rewards. Most of my travel is international for short business trips. I have HDFC Imperia account – should I talk to my RM ask for an upgrade within the HDFC product base or apply for some other card.

    Please suggest

    Reply
  146. Rajesh Jain

    I just received Infinia Mastercard world with a credit limit of 8 Lakhs. I don’t intend to have such high card limit. Is there a way to reduce the card limit temporarily to say 2-3 lakhs and whenever need arises increase the same in future.

    Also, if I have an add card whether the rewards will be capped at 25000 for both cards or it is 25000 points for each card ?

    Reply
  147. Hardik Parikh

    I have a DCB with a limit of Rs 8 lakhs and a regalia with a limit of Rs 5 lakhs. The RM is asking for an fd of Rs 13 lakhs despite being an inperia customer and having trading and demat accounts and saving accounts of my whole family and my business current account with the bank.
    Should I directly approach branch manager or should I cancel the diners black card and convert it back to regalia to maybe trigger an invitation?
    I do not have a very high ITR but have good spends on the HDFC cards .
    Please advise.

    Reply
    1. MT

      Dont do anything, continue to use your cards as usual, RM is probably trying to fit in his monthly target

      Reply
  148. Rohit Gupta

    In my monthly Infinia statement, I see some points getting deducted under the Adjusted/Lapsed head. Can anyone shed light on these deductions?

    Reply
    1. Anuj

      Some transaction may be reverted (Credit back) and points for the same will be adjusted e.g. order etc got cancelled.

      Reply
    2. Pranab Das

      Please check if any of your transactions having ‘Paytm’ on it. Even if you use Paytm as payment gateway, HDFC cards will mark it as ‘Wallet loading’ and you won’t get (in statement words ‘Lapsed/Adjusted’) a single RP. But don’t worry, call customer care (Infinia) and you’ll get the legitimate RP within 2 days (they’ll say 7 days).

      Reply
  149. Sunil Bhanushali

    Hello Siddharth,

    I’m HDFC Bank Classic Customer with 4 family Savings accounts, FDs, RDs, Demat, Health Insurance, Life Insurance, 2 credit cards and a Business Loan. I’m holding Moneyback CC with limit of INR 6,25,000 and my annual income is INR 20,00,000. I want to upgrade to Regalia or infinia. Can I get anyone of these ??

    I like this Credit Expert website, its all info and blogs, so much. Thumbs up.

    Reply
    1. Praveen Katiyar

      @Sunil
      U could definitely get Regalia and even Infinia. Check netbanking for upgrade.
      I recently upgraded from Moneyback to Regalia with 5.42L limit and lesser ITR than yours.
      All d best.

      Reply
      1. Sunil Bhanushali

        @ Praveen Katiyar
        Thank you for the info brother. Presently net banking showing no offers related to card upgrade. Hope I’ll get it soon. Will also contact my Branch.

        Reply
    2. MT

      You will need to push hard for an infinia , regalia and DCB they will happily upgrade you to with your current relationship and income levels

      Reply
      1. Sunil Bhanushali

        @MT
        Thanks for the info. Wait for sometime, else will contact my branch for upgrade.

        Reply
  150. SJ

    Hi All,

    I’m currently holding DCB LTF with 7. 5L CL. I have been offered dual card Regalia LTF along with existing DCB LTF with limit split between the two. Or I can choose to get myself upgraded to Infinia LTF with 8+ limit but then it’s not being offered as a dual card.

    Any thoughts/suggestions as I have 3 options

    1. Retain DCB LTF with 7.5L limit
    2. Dual card – DCB LTF with 4.5 limit and Regalia LTF with 3L limit
    3. Get DCB upgraded to INFINIA.

    I found DCB to be better in terms of rewards with 10x partners and unlimited lounge access. However, Infinia offers unlimited lounge access (International) to primary and add on cards. Domestic lounges are capped I believe..Also infina offerers 2X on Dining. Holding DCB and Regalia specially Visa variant will fill in for the PP and BMS offers.

    Need your inputs please

    Reply
    1. S&S

      I would stick with #2, unless your spends are huge and you aren’t worried about Diners acceptability – in which case you could go with #1.
      #2, depending on your DCB spends over time, can reach #1 levels.
      Maxing out Visa spends regularly and ITR increase over time may just, JUST, tip the scales towards getting an Infinia upgrade in due course.
      Regalia also covers the acceptability angle with #2.
      6 International lounge accesses are covered by Regalia’s PP.
      Domestic too is covered twice per qtr? by Regalia.

      So unless you are a massive lounge user, locally and internationally, #2 should still do.

      Regalia (Signature) almost always has similar ‘significant’ Visa offers as Infinia (Infinite).
      Visa India website offers section can help.
      (Happy to be corrected).
      Ex. Offers for Hilton Gold and Hyatt Dining Club are alike.
      Uber Premier 10x is same for all HDFC credit cards.

      What are you gaining with DCB over Infinia?
      1. Vendor Partner 10x
      2. Miles transfer to more airlines and a hotel
      3. International 10x (fixed period) on and off.
      Substantial if you know the sweet spots on British Airways, Vistara, etc.

      What are you losing with DCB vs Infinia?
      1. 10K RP per month
      2. Acceptability
      3. Free domestic lounge access for Add on card

      10K RP is the only game changer here in my view.

      These are some top of mind thoughts.
      Hope it helps!

      S&S

      Reply
      1. Diners Black Card User

        Hey S&S
        What do you mean by
        3. International 10x (fixed period) on and off.
        Is there any specific period where HDFC run accelerated rewards(5X/10X) in a year!!!

        I have been out of India for last two months but they haven’t had any campaign. I am coming back on first week of next month. Is there any chances they will run such offer?

        Reply
        1. S&S

          If you go through the Diners Black pages you’ll even now see, June Intl 10x for world cup spends in UK.
          I was alluding to such fixed period offers.

          S&S

          Reply
    2. Neo

      Why not wait till 31st Dec to see if 10X is extended ? Earning potential for DCB right now is higher than Infinia.
      More so, if lounge access with family isnt very frequent & can be managed by some other cards, I would still hold on to DCB & then at a later stage take a call to upgrade or not ?

      Reply
    3. Praveen Katiyar

      @SJ
      Assuming myself in ur place, I would have taken DCB + Regalia (Option 2).
      The reason i would have done that cos i hold Yes First Exclusive (LTF, upgraded from LTF Yes First Preferred in just 6months of moderate use).
      What i see in general, only usable benefit of infinia over DCB is higher smartbuy limit, unlimited PP even for add on and high limit. Golf etc i dont use and other are minor differences (considering 5k saving in annual fee or lesser spends target for fee reversal). I can think of following three option for u:

      Option 1: You dont need Add on Unlimited PP – straight away apply for DCB + Regalia
      Option 2: You need Add on Unlimited PP (& have time before your next intl. trip) – before splitting DCB limit apply for Yes First Exclusive LTF, based on ur current limit you would get it LTF ( even if you get LTF Yes First Preferred, you can upgrade it LTF Yes First Exclusive). Any Yes First card, LTF are good as long as you get LTF.
      Option 3: You need Add on Unlimited PP but dont have time – Take Infinia
      (in 2nd & 3rd options i have assumed Add on cannot get PP on their own).
      Do enlighten us with your final choice and reason to help all.
      Hope it helps..!!

      Reply
    4. GTMAX

      Hi SJ,

      It would be great if you can share how were you provided with an option of dual cards when the RM or most other people from HDFC keep saying that it is no longer possible for a single person to split their card limit and hold 2 card variants.

      Did you receive these options in your Cards section under netbanking or any other medium or did you request for it through RM/Branch?

      Reply
      1. SA

        Hi SJ,

        Same question as GTMAX. Even my RM outright refused saying HDFC has stopped the practice now.

        Reply
  151. PANKAJ YADAV

    Does Infinia and diners black provide reward points on utility bill payments ?

    Reply
  152. SJ

    @S&S, @Praveen & @Neo,

    Thanks for your well thought out inputs.
    HDFC has offered me dual card option – DCB LTF with priced Infinia. However, I’m not interested in the priced Infinia as I’m already holding an equivalent LTF super premium DCB. The discussions are on. Have asked them to consider offering me a dual card option with Regalia Visa variant LTF with fresh min. limit (and not split out from DCB).
    Let see how it goes. But I agree giving up DCB for Infinia isn’t a great idea atleast at this point. If they agree to offer me Visa signature variant of Regalia, that would serve the purpose and not only cover for DCB’s accessibility issues but also provides other benefits like PP, VISA signature offers – BMS etc. This looks to be a good combo.
    I would certainly like to target Yes first exclusive but then it needs to have 8+ lakhs limit on one’s existing card for which I need to wait for another 6 months or so. Also, with current downward spiral of Yes bank, I doubt if it will be able to offer the same level of benefits as they currently do on exclusive and private cards. Somehow I feel, it’s just a matter of time before they announce a downgrade for their premium cards.

    Reply
    1. Praveen Katiyar

      @SJ
      Great.. Option.. why not try Yes First Exclusive with current limit, once.. no harm as the card is LTF before u split etc.. just a thot though..
      Visa Signature strategy is great, i would have liked it in my case, but they gave pre approved net banking offer for MC only. I do have a Visa Signature though..
      All d best from all of us, do keep us posted on final cards u get..

      Reply
    2. S&S

      I would say go with Infinia priced unless you can negotiate on it.
      With DCB free your annual fees will be only for Infinia.
      10K miles for 10K annual fees at 1:1, and more than compensate if you transfer it to airline partners.
      Plus if you reach 8L pa spends, Infinia too becomes free.
      Happy to help πŸ™‚

      S&S

      Reply
    3. Lordsom

      @SJ: You still can bargain for DCB LTF and Infinia LTF. My RM asked me to open an FD for adding Infinia LTF. I was holding DCB from 2016. The whole process on Infinia….negotiations and bargaining took around 5 months…but was worth the wait.

      DCB LTF, Infinia Visa Infinite LTF and Yes First Excl. LTF (most preferred would have been upgraded) is possibly on eof the best combos to have.

      Reply
  153. Vinod Kannan

    @SJ, LTF DCB plus Priced Infinia is a no brained if ur spends are high enough. I will take it with my eyes closed. BTW how did u recewd Dual card option? Through RM or Netbanking?

    Reply
  154. Dr.Hardik Patel

    3 days before i got upgrade offer for my account in netbanking…it said you are eligible for account upgrade from preferred to imperia account…i filled form from redirecting from net banking and select the different hdfc branch instead of my home branch as it doesn’t support imperia relationship…so how much days will it take to imperia relationship? And after imperia relationship do you all think that it will be easy to upgrade my dcb to infinia? Please reply …thanks Dr.Hardik Patel

    Reply
  155. Amit

    I have been holding HDFC regalia since 2yrs. Recently after reading these blogs i applied for DCB through payzapp giving my account details (classic account with many HDFC products). Now i am holding both cards and both are active. However I am disappointed with discontinuation of payzapp as diners partner.

    Reply
  156. Karan

    Hello everyone,
    Want to know about international lounge usage using HDFC Infinea credit card.
    Is it chargable if i use infinea credit card for international lounge use instead of Priority pass
    Thanks

    Reply
    1. Shivi

      Yes, international lounge usage using HDFC Infinia credit card is chargeable

      Reply
  157. O P JAKHER

    I AM USING INFINIA FROM LAST 2 YEAR AND YES ITS ALWAYS COME WITH INVITATION ONLY…..

    NO DOUBT INFINIA IS BEST CREDIT CARD WITH ALL UNLIMITED BENEFITS AND BEST IN CLASS REWARDS POINT

    IF U ARE HIGH SPENDER LATER OR SOON YOU WILL GET INVITATION FROM HDFC FOR INFINIA IN MY CASE AVG USE WAS 2 LACS PER MONTHS FOR 2 YEARS FOR INVITATION ELIGIBILITY FROM REGALIA TO INFINIA

    Reply
    1. Shivi

      Not necessarily a high spender. You get Infinia on low spends also. I got it at approximately 3 lakh yearly spends on Regalia. My sister got it at 8k~ per month on Solitaire card.

      And to top it off, my Infinia was recently converted to LTF second year onwards.

      Reply
      1. Vipy

        Hey are you a classic or preferred customer with the bank? Do you think classic or preferred banking helps in getting the upgrade sooner?

        Reply
      2. GTMAX

        Hi Shivi,

        Can you please share details on how your Infinia was converted to LTF from 2nd year onwards?? Is it possible to get a non-LTF card converted to a LTF card with HDFC??

        Reply
        1. Shivi

          Not much details ; only received a call from HDFC credit card customer care department informing me of the second year onward LTF since the first year was free in any case.

          Reply
          1. GTMAX

            That’s really cool! No requests made & no consideration of spends done in the 1st year and the bank did it on their own.

            Wanted to know about the same as a family member has received a pre-approved offer for a new Infinia card in netbanking, but I am not able to view any fee related details for it in T&C document & the application.

            Now thinking of just going ahead and applying it & then check the fee details from customer service team after receiving the card.

  158. SJ

    Got my HDFC infinia card today (VISA Infinite). It was a journey from Regalia -> DCB -> Infinia. I know DCB currently has a higher earning potential with partner 10x program but my wife already has DCB so I have requested a DCB add-on for myself and an Infinia Add-on for my wife.

    Reply
  159. Riyaz

    Hi, whether following feature is still applicable on HDFC Infinia Credit Card, specially spends on hdfcinfinia website ?

    Accelerated Reward Rate: 6.6% (2X on Dining/airvistara/hdfcbankinfinia)

    Reply
    1. MT

      Dining valid , 2x on standalone restaurants… airvistara and hdfcinfinia not tried bcoz smartbuy gives 10x already

      Reply
  160. Deepak Gupta

    Been waiting for Infinia for several years. A single swipe of 8L on Regalia did the job.

    Reply
    1. Sree

      Superb and congrats! How long have you been using the Regalia and can you tell the limit on it?

      Reply
    2. Mickey

      Deepak – did u buy a car or something? What did u swipe 8L for if you could share

      Reply
  161. Gaurav

    I have a savings account with HDFC Bank for the past 5yrs. Haven’t used the account much. Just a couple of small FDs. Did not even log into netbanking for the past 2yrs.

    A few days back I logged in and saw a banner for pre approved credit card. Applied for it and got Infinia card today with 8 lacs credit limit. Nobody contacted me from the bank for any documents etc. This is my first proper credit card ever. Had an ICICI instant credit card against FD before this.

    Reply
    1. Ash S

      The idea is to not have a credit card with HDFC. They might be good at customer acquisition but very bad with customer upgrade.

      Reply
    2. Mandheer Singh

      Hey I had a similar experience.
      Got a pop-up in my NetBanking last week and went click click click. It gave me two options of Diners Black and Infinia. It even gave me the option to select some service of Smart Buy and the card would be Lifetime Free.

      I chose the Infinia and card got delivered today with 9L limit, and I’m only impressed with the packaging, honestly. Checked the exclusions, Fuel, Wallet Loading and EMI transactions are not eligible for points – disappointing.

      At the time of redemption 1 point is = 1 Rupee only for Flight and Hotel bookings via Smart Buy website. Everything else the redemption value of 1 point is = 50 paise.

      Checked with the Call Centre and the card will become Lifetime Free after 90 days automatically. I also have a Standard Chartered Ultimate and that’s a far better card, no transactions are exempt and all points are 1 Rupee at the time of redemption.

      Only downside of the Ultimate to the Infinia is no unlimited Priority Pass Lounge visits, and that’s really okay.

      Was excited for this card Infinia, but intial feedback is very disappointing.

      Reply
      1. GTMAX

        Hi Mandheer,

        What Smartbuy service did you opt for to make it lifetime free? Or was it Smart Pay?

        Even I had applied a week back on 13th Nov through Netbanking for pre-approved Infinia, but did not find this option to make it LTF in the application form by registering for any such add on services.

        Reply
      2. Praveen Katiyar

        @Mandheer
        Only reason I look forward to have Infinia or DCB is 10x points through Smartbuy.

        Reply
  162. Anurag

    My IT is 1.2cr 40lakh tax πŸ™ had imperia banking with hdfc and hdfc securities and mutual fund more than 2cr. Was using regalia card with 20lakh limit and 8 lakh cash withdrawal on cc. Got automatically upgraded to infinia credit card with limit of 25lakhs. Never asked for the upgrade. Just got the card today.

    Reply
    1. Shivi

      You settled for way less then! Take a dig at CiTi Ultima Infinite if your lifestyle matches what the card has to offer.

      Reply
  163. Ash S

    I have Regalia since 3.5 years, but have not been using it much since I received YES Bank Preferred.

    Now that YES bank rewards you 1% instead of 2%, I wanted to switch to a better card and hence wanted to apply for HDFC Infinia.

    My HDFC RM is remotely located and she’s of no help. Basically Virtual RMs are operating out of Call Centers. If you have a Virtual RM, please get it changed to Branch RM.

    Went to branch and they said Branch RM is on leave and shall reach out to me in 15 days once he’s back.

    I enquired about to card to my cousion who works in HDFC Mumbai, he asked the Branch Manager to call me. I explained my desire for upgrade to this Manager and he asked me for some documents which were collected by his junior.

    As per the junior, my application along with relevant documents have gone for processing/approvals. As per Branch Manager, the case is with Zonal Head for approval. 7 working days have gone past and I haven’t got any revert if they are either offering me Infinia or not.

    I am willing to ensure 8 lakh or more spends on the card, but I guess HDFC is too snobbish to bureaucratic while offering anything to their existing customers.

    If not approved, I will close my Salary Account and stop Insurance payment from them. Soon, I will cancel the Regalia Credit Card as well. Except for 10X smartbuy and redeem-points-to-flight, the rewards in Regalia are lesser than both YES First Preferred as well as ICICI AmazonPay.

    Reply
    1. Neo

      How do u get a virtual RM changed to a Branch RM ? I contacted a branch RM near my office & they told me to maintain very high QAB/ FDs which i wasnt interested in.
      I have a salary account with them & thats about it.

      Reply
    2. Shivi

      Really don’t know how you work out Yes Preferred or AmazonPay to be better than Regalia ~ Yes Preferred WAS better than Regalia for about an year before Yes Bank downgraded this card.

      Regalia still gives you 13% returns as reward points to spend on hotels/flights and or 6.5% cashback for monthly transactions of approx. 38.5k via smartbuy on amazon/flipkart/compare and buy etc. So, yeah, AmazonPay makes sense if you spend more than 38.5k~ per month, every month on Amazon India site as an add-on to Regalia but not as a stand-alone.

      Further on, for every Rs. 1 lakh spent internationally, Regalia charges just INR 60 (0.06% for calculation) as the actual out-of-pocket expense after the adjusting the reward rate and GVP . This is only surpassed by 2/3 (Super-Premium) cards as of now – HDFC Infinia, CiTi Prestige (Only if you have Citi Gold Account) and occasionally, Amex Plat Travel. I have not added Diners Club Black here as DCB fx rates are pretty high compared to Visa/Mastercard

      Reply
  164. Rahul Sharma

    Hi,

    I am having salary account with HDFC bank(Gross Salary ~20LPA).
    Also I am holding Diners Clubmiles Credit Card (Limit 6.3L).
    Will i get this card?

    Thanks
    Rahul

    Reply
  165. Sid Nam

    I have been trying to upgrade from my Regalia to Infinia for the last one year. My spends cross 12L per year and have about 7L limit on my card. Salary is about 2L/m – Do you think i have a chance on the upgrade, or do I have i to just wait? ITRV ~30L.

    Reply
  166. AJ

    Had the regalia and premier miles and Amex plat travel card for a long while. Used to max out Amex plat travel card in 4 months .. Never seen a card which gives more benefits or earn rate than Amex Plat travel with the Taj voucher and spicejet points. Just saw a upgrade offer on my Net banking to Infinia. The Golf green fee waiver and the add on card priority pass and lounge access are attractive. Has any of you Infinia card holders tried to use the Golf benefit ?

    Reply

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