HDFC Infinia
Issuer: HDFC Bank
Network: Visa | Tier: Ultra Premium
The HDFC Infinia is India's most aspirational credit card, offering unmatched luxury benefits including unlimited worldwide lounge access, 1:1 reward point transfers to airline & hotel partners, and a 3.3% reward rate on all spends. This invite-only super premium card from HDFC Bank is designed for high-net-worth individuals who demand the very best.
Fees & Charges
| Annual Fee | ₹12,500 + GST |
|---|---|
| Joining Fee | ₹12,500 + GST |
| Interest Rate | 3.49% per month |
| Foreign Markup | 2% + GST |
| Fuel Surcharge Waiver | 1% waiver on transactions ₹400-₹5,000 |
Rewards & Benefits
| Reward Rate | 5 Reward Points per ₹150 |
|---|---|
| Welcome Bonus | 12,500 Reward Points |
| Lounge Access | Unlimited domestic & international |
| Best For | Luxury travel and premium lifestyle |
Key Highlights
- 3.3% reward rate on all spends
- Unlimited airport lounge access worldwide
- 1:1 transfer to 15+ airline & hotel partners
- Golf privileges at premium courses
- Concierge services 24/7
Eligibility Criteria
- Minimum income ₹30 lakh per annum
- Excellent CIBIL score (800+)
- Existing HDFC relationship preferred
- Invite only
Minimum Income Required: ₹30,00,000+ per annum (invite only)
Pros
- Highest reward rate among Indian cards
- Unlimited worldwide lounge access
- 1:1 transfer ratio to partners
- Comprehensive travel insurance
- Premium concierge service
Cons
- Invite only - hard to get
- High annual fee
- Very high income requirement
- No cashback option
Expert Rating: 4.9/5