The HDFC Infinia Credit Card is a premium travel and rewards card offering 3.33% value-back on all spending categories. Cardholders enjoy unlimited lounge access in India and abroad, along with exclusive hotel discounts at select ITC and Marriott properties. It combines luxury, rewards, and convenience for high-value users.
HDFC Infinia Metal Edition has consistently been recognized as one of India’s leading super-premium credit cards. Its rewards program offers an attractive earning potential, starting at 3.33% and increasing significantly for transactions made through SmartBuy, making it competitive even against high-end cards like Axis Reserve and IDFC FIRST Private. The card stands out for its 1:1 redemption ratio for travel bookings via SmartBuy and the option to convert points into Air Miles, giving cardholders excellent value.
On the travel benefits side, Infinia excels with unlimited access to domestic and international airport lounges, minimal foreign exchange charges, and partnerships with premium hotel chains such as ITC Hotels and Marriott. While many other premium cards provide similar travel perks, the combination of high reward rates and versatile redemption options makes HDFC Infinia an attractive choice for frequent travelers and luxury spenders.
Whether you are focused on earning rewards, maximizing travel perks, or enjoying a seamless luxury credit experience, the HDFC Infinia Metal Edition delivers value across multiple fronts, making it one of the most rewarding options in India’s premium credit card segment.
HDFC Infinia Credit Card – Rewards Program Highlights
Earn on Every Spend: Receive 5 Reward Points for every ₹150 spent across all retail categories, including insurance, utilities, and education.
Boost Rewards via SmartBuy: Get up to 10× Reward Points on travel and shopping through HDFC Bank’s SmartBuy platform (capped at 15,000 points per month).
Welcome & Renewal Bonus: Earn 12,500 bonus points on card issuance and annual fee renewal.
Reward Redemption Options
Travel & Hotels: 1 Reward Point = ₹1 when booking flights or hotels via SmartBuy.
Premium Products: 1 Reward Point = ₹1 on Apple products or Tanishq vouchers through SmartBuy.
Air Miles Conversion: 1 Reward Point = 1 Air Mile when converted via net banking.
Other Vouchers & Products: 1 Reward Point = ₹0.50 for selected vouchers or product purchases on SmartBuy.
Cashback Option: 1 Reward Point = ₹0.30 when redeemed for cashback.
Complimentary Lounge Access
Unlimited domestic airport lounge access for both primary and add-on cardholders.
Unlimited international lounge access via Priority Pass for primary and add-on cardholders.
Add-on cardholders receive their own Priority Pass membership card.
Hotel & Dining Perks with ITC Hotels
Book 3 nights at select ITC Hotels and pay for only 2 nights using the card.
Enjoy 1+1 complimentary buffet at participating ITC Hotels.
Club Marriott Membership
Complimentary first-year membership as a welcome benefit.
Enjoy up to 20% off on food, beverages (for up to 10 guests), hotel stays, and spa services at participating Marriott properties in the Asia Pacific region.
Receive 2 one-time use upgrade certificates and up to 30% discount on accommodation at the best available rates.
Low foreign exchange mark-up fee of just 2% on international transactions.
Unlimited complimentary golf rounds at select courses in India and abroad.
Global concierge service for travel bookings, airport VIP assistance, golf, private dining, and international gift delivery.
Lifestyle & Other Perks
Flat 15% discount on dining via Swiggy Dineout at select restaurants.
1% fuel surcharge waiver on fuel transactions between ₹400 to ₹1,00,000 (maximum ₹1,000 per month).
Annual fee waiver if spending exceeds ₹10 lakh in the previous year.
Insurance & Safety Covers
Air accident death cover up to ₹3 crore.
Emergency overseas hospitalization cover up to ₹50 lakh.
Credit shield insurance cover up to ₹9 lakh.
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 12,500 + Taxes | ||||||||||||||||||
| Annual Fee | Rs. 12,500 + Taxes | ||||||||||||||||||
| Finance Charges | 1.99% p.m. (23.88% p.a.) | ||||||||||||||||||
| Cash Withdrawal Fee | 2.5% of amount withdrawn or Rs. 500 whichever is higher | ||||||||||||||||||
| Rewards Redemption Fee | Nil | ||||||||||||||||||
| Late Payment Charges |
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HDFC Bank’s Diners Club Black Metal Edition offers a benefits structure that closely mirrors the HDFC Infinia, but at a comparatively lower annual fee of ₹10,000. Both cards deliver similar reward efficiency, providing value-back of up to 3.33% and enabling 1:1 redemption for flights, hotel bookings, and air miles. A major difference, however, is that Infinia extends 1:1 redemption on Tanishq vouchers and Apple products—an option not provided with Diners Club Black. In addition, Infinia gives users unlimited complimentary golf sessions, which adds extra value for golf enthusiasts.
On the other hand, Diners Club Black brings its own strengths. Along with the complimentary Club Marriott membership, cardholders also receive popular subscriptions such as Amazon Prime and Swiggy One as part of the welcome package. The card further offers a quarterly milestone reward of 10,000 bonus points upon spending ₹4 lakh in a quarter.
While HDFC Infinia remains invite-only, Diners Club Black is accessible to a wider audience. Applicants with a monthly income of ₹2.5 lakh or above can qualify, making it a strong alternative for those who may not meet Infinia’s stricter eligibility criteria.
| Transactions | Amount (in Rs.) | HDFC Infinia | Axis Magnus | ICICI Emeralde Private |
|---|---|---|---|---|
| Travel Bookings | 35,000 | 1,166 | 2,100 | 1,050 |
| Apparel and Accessories | 20,000 | 666 | 1,200 | 600 |
| Groceries | 15,000 | 500 | 900 | 450 |
| Health and Wellness | 5,000 | 166 | 300 | 150 |
| Dining and Entertainment | 10,000 | 333 | 600 | 300 |
| Utility Bill Payment | 15,000 | 500 | 0 | 450 |
| Fuel Spends | 15,000 | 0 | 0 | 0 |
| Total | Rs. 1,15,000 | 3,331 RP | 5,100 RP | 3,000 RP |
| REDEMPTION VALUE | ||||
| Travel Booking | - | Rs. 3,331 for travel booking via SmartBuy | - | Rs. 3,000 for flight/hotel booking via iShop |
| Point-to-mile Conversion | - | 3,331 Air Miles with select airlines and hotels | 2,040 Partner Points/Miles | - |
| Rewards Catalogue | - |
Rs. 3,331 for buying Tanishq vouchers/Apple products via SmartBuy Rs. 1,665 on voucher and product purchase via SmartBuy |
Rs. 1,020 on redeeming through Axis Bank’s rewards catalogue |
Rs. 3,000 on redeeming against vouchers via ICICI Bank’s rewards catalogue Rs. 1,800 on redeeming via ICICI Bank’s iShop |
HDFC Infinia Credit Card – Eligibility Requirements
The card is extended on an invite-only basis, usually to individuals with strong financial profiles.
Applicants generally have a long and active banking relationship with HDFC Bank.
Preference is given to customers who already hold high-end credit cards from other banks.
A strong credit score, clean repayment record, and high limits on existing cards improve the chances of receiving an invitation.
HDFC Infinia Credit Card – Customer Support
Toll-Free Number: 1800 266 331
International Helpline (Landline): 022-6171 7606
Dedicated Concierge Desk: 1800 118 887 (Toll-Free)
If you want to close your HDFC Infinia Credit Card, it is important to follow the official closure procedure provided by HDFC Bank to ensure a smooth and secure cancellation process.
Contact Customer Care
Initiate Closure Request
Complete Verification
To proceed with the request, you will need to verify your identity by providing:
Confirm the Closure
Important Points
After Card Closure
If you need assistance regarding your HDFC Infinia Credit Card, you can contact the customer support team of HDFC Bank. The bank offers support for billing issues, payments, card blocking, reward-related queries, and other credit card services.
Customer Care Numbers (India)
These numbers can be used for all types of credit card-related assistance across India.
International Support
This number can be used when calling from outside India for support related to your credit card.
Email Support
You can send your queries, complaints, or service requests using your registered email ID for quicker resolution.
Availability
Services Available
Important Points
Yes. HDFC Infinia is offered exclusively to customers selected by the bank, and it cannot be applied for through the regular application process.
HDFC Bank does not publish a fixed income requirement for this card. Generally, individuals with high monthly earnings, a strong credit profile, and long-term banking engagement with HDFC are considered.
A Priority Pass membership card is included in the welcome kit for both primary and add-on users. Present this card along with your Infinia credit card at participating international lounges to avail complimentary access.
Since it is invitation-based, you cannot directly apply. Existing HDFC customers with premium cards or strong banking relationships can speak with their relationship manager to check eligibility for an upgrade.
Reward points can be redeemed through the HDFC SmartBuy platform or via net banking. You receive maximum value (1 RP = ₹1) on flights, hotels, Apple products, Tanishq vouchers, and Air Mile conversions. For vouchers, products, or cashback, the value per point is lower.
The card offers a generous reward rate, 1:1 redemption on select categories, unlimited lounge access, premium hotel privileges, low foreign exchange fees, unlimited golf sessions, and access to a dedicated concierge team.
Infinia provides significantly higher rewards, more redemption flexibility, superior travel benefits, and luxury privileges. However, it comes with a higher annual fee and stringent eligibility, whereas Regalia is easier to obtain.
Both cards offer strong reward structures and premium travel benefits. Infinia stands out with 1:1 redemption on Apple/Tanishq purchases and additional hotel benefits, while Diners Black offers a lower annual fee and extra welcome memberships like Amazon Prime and Swiggy One. The better option depends on your spending pattern and accessibility.
The limit is personalized for each customer. The bank reviews income, credit score, spending habits, and repayment history before assigning a limit, which is communicated in the welcome kit after card approval.
