HDFC Bank Infinia Credit Card Review

By | February 11, 2021

HDFC Bank, a giant name within the Mastercard industry. It always comes up with better services and products. HDFC Infinia Mastercard is one of every the best and premium Mastercard the country has. It’s designed especially for ultra-rich Indians.

This Infinia Mastercard denotes limitless possibilities in every aspect like Rewards, Lounge access, card-linked benefits, etc.

Here we have covered some important points about the HDFC Infinia credit card.

HDFC Bank Infinia Credit Card

Fees & Charges

Particular Description
Joining FeeRs.10,000/- + Applicable Taxes
Renewal Membership FeeRs.10,000/- + Taxes
Welcome Benefit1000 Reward Points

Complimentary Club Marriott membership for a year that gives up to 20% discounts.

* Renewal fee waiver on spending Rs.8,00,000 in a year.

HDFC Infinia Credit Limit

Infinia Mastercard falls under “Visa INFINITE” or “MasterCard World” and comes with a minimum credit limit of 8-10Lakhs. 

The cardboard incorporates a unique feature of NPSL which suggests they’ll “temporarily” increase the limit if you inform the “Infinia Support Team” prior. This feature is exclusive to Infinia and isn’t applicable to the other HDFC card.

Reward Points

reward points
​​​​​Earn 5 Reward Points on every Rs.150, on all retail spends including Insurance, Utilities, Education, and Rent Pay.
Earn up to 10 times Reward Points on your travel and shopping spends on Smartbuy.
Earn 2 times Reward Points on your Dining spends at stand-alone restaurants.
Default Reward Rate: 3.3%
Accelerated Reward Rate: 6.6% (2X on Dining/airvistara/hdfc bank infinia)
Accelerated Reward Rate: 33% (10X with limited partners)

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HDFC Bank Regalia First Credit Card Review

Reward Redemption:

You can redeem Reward Points on the dedicated portal on SmartBuy here. Reward Points can be redeemed for:

  • Flight and Hotel Bookings
  • Premium Products & Vouchers
  • Curated Global Experiences

Benefits of HDFC Infinia credit card:

Complimentary Club Marriott membership for the first year
Unlimited airport lounge access across the globe for Primary and Add-on member
Foreign Currency Markup: Lowest markup fee of 2% on all foreign currency transactions.
Zero Cost liability
Interest-Free Credit Period: Up to 50 days of interest-free period on your HDFC Bank Infinia Credit Card from the date of purchase

Lounge Access

HDFC Bank Infinia Credit Card Lounge

You can enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.

For Lounge visits within India, Infinia Primary Cardholders can avail of 4 complimentary lounge access per quarter. A transaction fee of Rs. 2 will be charged to your credit card for the lounge access

priority pass rates

Priority Pass Membership

HDFC Bank Infinia priority pass

Primary card and add-on Cardholders may utilize the refreshment and business center facilities at these lounges. Please note that the presentation of the Priority Pass card at the participating airport lounge is mandatory to avail access.

The access and usage at all Priority Pass lounges are complimentary only for Primary and Add Priority Pass holders.

All guests visits using Priority pass would be charged at the US $27 + GST per visit per guest

HDFC Bank Infinia Credit Card Features

HDFC Infinia Good food Trail Program

A good food trail program gives you the opportunity to take the finest dining experience. It provides various kinds of the offer, as mentioned below;

Get complimentary Dineout passport membership for a year that offers

  • Assured flat 25% off at 2000+ premium restaurants
  • 1+1 on the buffet at 200+ restaurants
  • 1+1 on Food / Drinks on select restaurants
  • Zero convenience fee
  • Early access to events and festivals such as GIRF

Get additional 15% off on all your bill payments via Dineout Pay (10k + restaurants)

Comprehensive Cover

hdfc infinia comprehensive cover
Accidental Air Death cover: Rs.3 Crore
Overseas medical emergency cover: Up to Rs.50 lakh
Credit Shield Cover: Rs.9 lakhs

HDFC Infinia Customer Support

Infinia has dedicated customer support, who can really facilitate you’re regarding your queries. The customer support is knowledgeable and really helpful.

They save lots of some time by helping you along with your travel planning, bookings, leisure activities, and more. They need customer support available throughout the planet. The services provided by them are;

Global Personal Concierge – 24 X 7
Customize your travel, entertainment, and business experiences with our Global Concierge Assistance

Our Suggestion

HDFC Infinia is an amazing card providing unlimited access to international lounge access. This card is best for you if you have more frequent foreign visits.

Along with this, it offers 10X rewards which will give you maximum rewards on each of your purchases made through smart buy.

Although it is an invite-only card you can have this if you have good terms with HDFC Bank. Also, the priority pass which comes along this will give you prime services while visiting internationally.

Hence, this card can be best suited to you if you are likely to spend nearly Rs.8,00,000 in a year and so.


Strength Weakness
Unlimited lounge accessInvite only card
Huge reward points

HDFC Bank Customer Service

Toll-Free: 1800 266 3310
Toll-Free: 1800 102 3310
Landline: 022-6171 7606
E-mail: [email protected]

Bottom Line

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 it’s even better with 10X rewards, yet acceptance is not guaranteed.


What are the varied products/ services offered on SmartBuy?

HDFC Bank has tied up with various partners for flight, bus & hotel booking, experiences booking, DTH recharge, and e-tailing. Please take a look at our portal for brand spanking new and updated partners on an ongoing basis.

Should I register to get purchase on SmartBuy with HDFC Infinia Credit card ?

Yes. You will be able to purchase and make payment by providing just your email ID and/or mobile number. By creating your own SmartBuy account, you may be able to track your order, examine past order history.
You can use your existing SmartBuy registered mobile number to log into SmartBuy Infinia customized website.

What is a Redeem points Booking?

When you book Flights, Hotels, Experience, and recharge DTH on HDFC Bank SmartBuy Infinia using your Infinia Credit Card points, the booking is termed as Redeem Points Booking, as you are using your Reward Points to pay for these transactions.

Unless or until you’re so much bothered about air miles, there is no better credit card you can ever have in India except 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.

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