HDFC Infinia Credit Card

About HDFC Infinia Credit Card

Are you reaching a level of spending where standard rewards just feel small? The HDFC Infinia Credit Card is designed for those who have moved past entry-level plastic and want a card that matches their lifestyle.

This card offers a substantial welcome through 12,500 reward points upon activation, effectively offsetting your joining cost. If you spend ₹10 lakhs annually, you can keep the card for free year after year. It is a tool for high-net-worth individuals who want their daily expenses to fund their next luxury vacation or high-end gadget.

Targeted at professionals and business owners earning ₹60-72 lakhs annually, this card is a sign of financial maturity. Whether you are booking business flights or upgrading your tech at the Apple store, the Infinia structure ensures your loyalty is recognized.

What sets it apart:

• High Entry Value: Get 12,500 reward points just for starting out, which matches the joining fee value.
• Superior Reach: Unlike many premium cards with limited utility, Infinia points can be used for everything from Tanishq vouchers to direct Airmiles transfers.
• Easier Renewals: While competitors often demand ₹15-25 lakhs for fee waivers, this card grants it at a ₹10 lakh spend threshold.

Quick check: To qualify, you will need a minimum annual income of ₹60 lakhs (for salaried) or ₹72 lakhs (for self-employed) and a credit score of 750 or higher.

Let's break down why this card stands out in the premium market:

Key Benefits & Features of HDFC Infinia Credit Card

The HDFC Infinia is not just about a high credit limit; it is about how those spends translate into tangible luxury. Here is a detailed look at the features you can use to maximize your savings.

Welcome and Activation Benefits

When you pay your joining fee of ₹12,500, HDFC rewards your start with 12,500 Reward Points. To ensure you get these points, you must make a minimum transaction of at least ₹100 within the first 30 days of getting the card. This activation bonus essentially makes the first year's cost net-zero, provided you use the points for your next big purchase.

Annual Fee and Waiver Conditions

The HDFC Infinia annual fee is ₹12,500 plus taxes. However, the card incentivizes high usage. If you spend ₹10,00,000 or more in the preceding 12 months, the bank waives the renewal membership fee for the following year. For a high-spender, this makes the card effectively free for life. If you are a professional earning ₹5 lakhs a month, hitting this ₹10 lakh annual target is quite straightforward with regular family expenses and travel bookings.

Rewards Redemption and Value

Every point you earn has a base value of ₹0.3. While this might seem modest at first glance, the strength lies in the redemption catalogue. You can use your points for:

• SmartBuy Travel: Book flights and hotels through the HDFC SmartBuy portal. You can pay up to 70% of the booking value using your reward points, significantly reducing your out-of-pocket travel costs.
• Luxury Shopping: Redeem points for Apple products or Tanishq vouchers, making it one of the few cards that helps you save on jewellery and high-end electronics.
• Airmiles Transfer: Move your points to partner airlines if you prefer booking through specific frequent flyer programs.
• Statement Credit: Use points to pay off your outstanding card balance if you prefer direct cash value.

Eligibility Criteria

The bank maintains strict standards for this card to ensure it remains an exclusive product. The age criteria for salaried individuals is 21-60 years, while self-employed applicants must be between 25-60 years. The income requirement is one of the highest in the industry, requiring ₹60 lakhs per annum for salaried employees and ₹72 lakhs for self-employed individuals. Additionally, your application is subject to a CRIF score of 750 or higher and an internal bank assessment.

Spending Exclusions

To maximize your rewards, you should know where the card does not earn points. The following categories are excluded from reward point earnings: Fuel spends, EMI transactions, wallet loads, jewellery purchases, and cash advances. Also, paying your outstanding balances or card fees does not count toward reward generation.

How to Apply for HDFC Infinia Credit Card?

The application process for a premium card like HDFC Infinia is thorough. Follow these steps to ensure a smooth experience:

1. Step 1: Verify Your Eligibility: Before applying, confirm your annual income meets the ₹60-72 lakh threshold and your credit score is at least 750.
2. Step 2: Visit the Application Link: Use the secure Traqkarr link or the official HDFC bank website to initiate the process.
3. Step 3: Fill Personal Details: Provide your employment type, age, and monthly income accurately.
4. Step 4: Submit Documentation: Be ready with your latest ITR or salary slips as proof of high income.
5. Step 5: Card Activation: Once the card is delivered, perform a transaction of at least ₹100 within 30 days to secure your 12,500 reward points.

The processing timeline depends on the bank's internal verification. Most applications for this premium category are processed and approved within 7 to 10 working days upon successful submission of documents.

Credit Limit & What to Expect

Credit limits for the HDFC Infinia are assigned based on your income, credit score, and existing banking relationship. Given the high income requirement (₹60 lakhs+), you can generally expect a high starting limit that supports luxury spends and international travel. Limits for this specific card tier typically range between ₹8,00,000 and ₹15,00,000, ensuring substantial purchasing power.

Comparison Table: HDFC Infinia vs. Competitors

To see where the HDFC Infinia stands, we have compared it with other top-tier premium cards in India.

While the Amex Platinum offers unmatched service and the Axis Magnus targets milestone spenders, the HDFC Infinia strikes a great balance. It is the best choice if you want a card that is relatively easy to make "free" (at ₹10 lakh spend) while still getting premium brand redemptions like Apple and Tanishq.

Documents Required for HDFC Infinia Credit Card Application

You'll need to submit the following documents when applying:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), Rent Agreement, or Property Tax Receipt
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements
• Employment Proof: Office ID card or employment letter

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, Voter ID, or Driving License
• Address Proof: Aadhaar Card, Passport, Utility Bills (not older than 2 months), or Property Documents
• Income Proof: Latest 2 years' ITR with computation of income, 6 months' bank statements, and CA-certified financials
• Business Proof: Business registration certificate, GST registration (if applicable), or Shop Act License

Note: All documents must be self-attested. The bank may request additional documents during verification.

Who Should Get This Card?

Should you get this card? Here is who benefits most from the HDFC Infinia:

The Corporate High-Flyer: You are a Vice President or Director earning ₹70 lakhs a year. You travel frequently for work and leisure. By putting your flight bookings through SmartBuy and your regular family expenses on this card, you easily cross the ₹10 lakh annual spend mark. This means you enjoy a premium card for free while accumulating points for a family holiday or a new iPhone every year.

The Tech and Luxury Enthusiast: You like having the latest gadgets and shopping at premium outlets. Since this card offers direct redemption for Apple products and Tanishq vouchers, your regular spends on dining and groceries turn into "fund money" for your next tech upgrade or jewellery purchase. If you spend ₹15,000 monthly on miscellaneous online shopping, you are missing out if you aren't using a high-reward card like this.

The Consistent Spender: If your monthly credit card bill is consistently above ₹85,000, the HDFC Infinia is a perfect match. You will never have to pay the annual fee, and the 12,500 points you get at the start are just the beginning of a long-term savings cycle.

You might want to skip this card if:

• Your annual income is below the ₹60 lakh mark, as the eligibility criteria are strictly enforced.
• Your total annual card spends are less than ₹10 lakhs, as you would then have to pay the ₹12,500 renewal fee without a waiver.
• You primarily spend on fuel or jewellery, as these categories are excluded from earning reward points.

BankKaro Expert Review

Based on the card's features, the HDFC Infinia excels at providing a smooth path to a "free" premium experience. Most cards in this category have much higher spend requirements for fee waivers, but the ₹10 lakh target for Infinia is quite achievable for its target audience.

The biggest limitation is the high income bar for entry. Requiring a salary of ₹60 lakhs or a business income of ₹72 lakhs makes it one of the most exclusive cards in India. Furthermore, the base redemption rate of ₹0.3 per point means you must be strategic about how you redeem. If you use points for statement credit, you might find the value lower than expected. To get the best out of this card, you should always aim for SmartBuy travel or premium brand vouchers.

Our verdict: Choose this card if you are already a high spender who wants a straightforward way to earn luxury rewards. It beats the competition for users who want a high-value card without the hassle of unachievable spend milestones. It is a reliable, prestigious, and highly rewarding companion for the affluent Indian consumer.

Terms and Conditions

• The bank may offer a different card variant based on your eligibility assessment during the application process.
• A minimum transaction of ₹100 within 30 days of card issuance is mandatory to activate the card.
• Failure to perform the activation transaction will result in you being ineligible for the 12,500 Reward Points welcome bonus.
• The renewal fee waiver is based on the spends in the preceding 12-month period only.
• Reward points are not earned on fuel, EMI, and wallet transactions.

All features and benefits are subject to the specific terms and conditions outlined in the cardholder agreement provided upon issuance.