HDFC Bank Infinia Credit Card Service Overview and Requirements

The HDFC Bank Infinia Credit Card is a premium credit card designed for high-income individuals with a high credit limit and a range of benefits. It offers rewards, privileges, and a premium lifestyle experience.

To be eligible for the HDFC Bank Infinia Credit Card, you need to have a minimum income of ₹25 lakhs per annum. The card is available for individuals with a good credit history and a stable income.

The HDFC Bank Infinia Credit Card has a joining fee of ₹5,999, which is waived off for the first year. This fee is waived off to encourage customers to apply for the card.

The HDFC Infinia credit card is an excellent choice for those who want to earn rewards and enjoy premium benefits. You can earn 12,500 reward points as a welcome bonus and enjoy a complimentary Club Marriott membership for a year.

The card offers exclusive dining privileges through the Good Food Trail Program, including a 1+1 complimentary buffet at ITC hotels. You can also earn 5 reward points for every Rs. 150 spent in retail, with a reward rate of up to 3.3%.

Here are some key benefits of the HDFC Infinia credit card:

The card also offers a range of other benefits, including:

Overall, the HDFC Infinia credit card is a great choice for those who want to earn rewards and enjoy premium benefits.

To be eligible for the HDFC Bank Infinia Credit Card, you'll need to meet certain criteria. The primary cardholder can either be a resident or a non-resident Indian.

The card is invite-only, so you'll need to wait for an invitation from the bank. This means there's no straightforward application process like with other credit cards.

To be eligible for the HDFC Infinia Credit Card, you'll need to meet the following requirements:

If you're lucky enough to receive an invitation, you'll need to meet certain income requirements to be eligible for the card. For a Fresh Card, you'll need an annual income of more than 45 lakhs, or you'll need to have an Imperia/Infiniti banking relationship with an income close to what's required.

The HDFC Infinia Credit Card comes with a joining fee of Rs. 12,500 + applicable taxes, which is not waived off. This fee is also applicable for the renewal of the card.

You'll need to spend at least Rs. 10 lakhs in the previous year to get the renewal fee waived off, which is a significant amount. If you don't meet this requirement, you'll have to pay the renewal fee again.

The foreign currency markup fee is 2% of the total transaction amount + taxes, which is a standard rate for most premium credit cards. This fee can add up quickly, especially for frequent international travelers.

Here's a breakdown of the fees and charges associated with the HDFC Infinia Credit Card:

Note that these fees and charges can vary depending on your usage and other factors, so it's essential to review the terms and conditions carefully before applying for the card.

You can earn rewards on various spends with the HDFC Infinia Credit Card, including regular spends, hotels, and flights. The rewards are categorized into different types, such as 1X, 3X, 5X, and 10X, with varying reward rates and maximum caps.

The reward points are valid for 3 years, and there are capping limits on certain categories like grocery and insurance. For example, you can earn up to 2000 RP per calendar month on grocery spends, and up to 5000 RP per day on insurance spends.

To redeem your rewards, you can choose from various options, such as flights, hotels, Apple products, Tanishq vouchers, and airmiles. The redemption ratio varies depending on the option, with 1:1 being the most common. For example, you can redeem 1 RP for 1 Air Mile when converting points through netbanking.

Here's a breakdown of the redemption options and their corresponding values:

The HDFC Infinia Credit Card also offers accelerated rewards on certain categories, such as 5X on flights and e-vouchers, and 10X on hotels via Smartbuy. These rewards can be redeemed for flights, hotels, and other options, subject to the maximum redemption cap of 1,50,000 RP per calendar month.

To apply for the HDFC INFINIA Credit Card, you'll need to gather the required documents, which include income documentation, such as a copy of your IT returns, most recent pay stubs, and Form 16. You'll also need a valid address proof, like an Aadhaar card or passport.

There are two ways to apply for the credit card: offline and online. If you prefer to apply offline, you can visit the nearest HDFC Bank branch with all the necessary documents. The bank representatives will guide you through the process.

To apply online, you'll need to visit the HDFC Bank portal, fill out the application form, and submit it with the required KYC and information. The bank will then contact you for further verification.

Here's a list of the required documents to meet the HDFC INFINIA credit card eligibility:

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I've not been using Infinia much lately because of higher returns on Axis Magnus. Things are getting back to normal and I've started using HDFC Infinia again.

You can get HDFC Infinia Credit Card through the usual channels, such as applying online or in-branch. There are also other ways like getting one through Fixed Deposits, by taking investment products, etc.

It's not that tough to get HDFC Infinia in 2024 compared to how tough it used to be some 5 years ago.

To apply for the HDFC Infinia Credit Card, you have two options: applying online or offline.

Applying offline is a straightforward process where you can visit the nearest HDFC Bank branch with the required documents.

The online application process starts by visiting the HDFC Bank portal.

You'll need to navigate through the website and follow the steps to apply for the credit card.

To apply online, you'll need to provide your KYC and other required information and click on submit.

Once you've submitted your application, the bank will contact you for further verification.

To apply for an HDFC Infinia credit card, you'll need to gather some essential documents. A copy of your IT returns, most recent pay stubs, and Form 16 are required for income documentation.

You'll also need to provide proof of address, which can be an Aadhaar card or passport. Two passport-size pictures are also necessary. Make sure to bring a duplicate of your PAN card or Form 60, as well as identity evidence such as an Aadhaar card, passport, or driving license.

Here's a summary of the documents you'll need to submit:

Remember to carefully review the list and ensure you have all the necessary documents before applying for the HDFC Infinia credit card.

Getting your HDFC Infinia Credit Card can be a bit tricky, but it's not impossible. You can apply for it through the usual ways, such as online or by visiting a bank branch.

There are other ways to get your hands on HDFC Infinia, like getting one through fixed deposits or by investing in their products. However, these methods might change over time, so it's best to check with the bank for the latest information.

In the past, getting HDFC Infinia was much tougher than it is today. If you're lucky, you might even get approved for it without much hassle.

You can redeem your HDFC Infinia card reward points on Smartbuy or HDFC Netbanking for various rewards like flights, hotels, Apple products, and more.

The value of HDFC Infinia credit card reward points can be redeemed for a variety of rewards, but the exact value in rupees is not specified in the article.

HDFC Bank Infinia credit card holders can expect a premium experience, but there's one thing missing - customer reviews. No Customer reviews yet. Be the first to review this card.

HDFC Bank Infinia credit card is a product of HDFC Bank, a well-established bank in India.

As you've learned about the HDFC Bank Infinia Credit Card service, it's clear that it's a premium offering with a host of benefits.

The card's annual fee of ₹ 5,999 is a significant investment, but the ₹ 25,000 fuel surcharge waiver and ₹ 1,000 airport lounge access per quarter make it a worthwhile expense for frequent travelers.

You can earn up to 3X rewards points on international transactions, which can be redeemed for exciting rewards.

The card's high credit limit of ₹ 10,00,000 and 50-day interest-free period provide a sense of financial freedom and flexibility.

Infinia cardholders also get access to exclusive events and experiences, making it a great choice for those who value unique experiences.

The card's customer service is available 24/7, providing peace of mind and support whenever you need it.

By choosing the HDFC Bank Infinia Credit Card, you're not only getting a premium credit card but also a personalized banking experience.