Credit Cards · Honest Review
HDFC Bank Infinia Credit Card
HDFC Bank · Visa
Your Verdict
- ✓Unlimited domestic + international lounge access (Priority Pass)
- ✓5 reward points per ?150 � redeemable at ?1/point
- ✓2% FX markup, best-in-class for international travel
- ✓Golf: 6 complimentary rounds per quarter
- ✓Comprehensive travel and purchase insurance up to ?3.5Cr
What HDFC Bank Infinia Credit Card costs you
HDFC Bank Infinia Credit Card carries a ₹12,500 annual fee and a ₹12,500 one-time joining fee. The annual fee is waivable: Spend ?10L in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹12,500 |
| Joining fee (one-time) | ₹12,500 |
| Fee waiver condition | Spend ?10L in a year |
| Spend required for waiver | ₹10,00,000 / year |
| Foreign transaction fee (forex markup) | 2% per transaction |
What you earn on every rupee spent
HDFC Bank Infinia Credit Card earns 3.33% on all eligible spends as a base reward rate, with accelerated rates on travel & flights, dining & food and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 3.33% |
| ✈️ Travel & Flights | 16.67% |
| 🍽️ Dining & Food | 3.33% |
12,500 reward points on first spend
Reward types: Points · Lounge · Miles
Beyond the reward rate
The non-reward benefits on HDFC Bank Infinia Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Bank Infinia Credit Card
HDFC Bank Infinia Credit Card requires a minimum net monthly income of ₹3,00,000 for salaried applicants and a CIBIL score of 800 or above. It is open to salaried employees and self-employed professionals and business owners.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹3,00,000 |
| CIBIL score | 800+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried, Self-employed, Business owner |
| Typical approval time | By invitation � 10�15 working days |
Invite-only. Must hold an existing HDFC relationship (salary account or existing credit card).
Who should (and shouldn't) get HDFC Bank Infinia Credit Card
- → Heavy spenders on travel & flights who want 16.67% back
- → Heavy spenders on dining & food who want 3.33% back
- → Frequent travelers who value airport lounge access
- → International spenders benefiting from low forex markup
- → Moderate spenders who can clear the fee waiver condition
- → Low spenders who won't recover the high annual fee
- → Applicants with monthly income below ₹3,00,000
HDFC Bank Infinia Credit Card — Questions answered
What is the annual fee for HDFC Bank Infinia Credit Card?
What is the minimum income required for HDFC Bank Infinia Credit Card?
What is the reward rate on HDFC Bank Infinia Credit Card for travel & flights?
Does HDFC Bank Infinia Credit Card provide airport lounge access?
How do I get the annual fee waived on HDFC Bank Infinia Credit Card?
How long does it take to get HDFC Bank Infinia Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.