How to Apply for the HDFC Infinia Credit Card in 2026

title: "How to Apply for the HDFC Infinia Credit Card in 2026" slug: how-to-apply-for-hdfc-infinia-credit-card excerpt: "Apply for the ultra-premium HDFC Infinia Credit Card by invitation or through NetBanking. Income, CIBIL, and relationship-value requirements explained." category: how-to-apply tags:

• hdfc
• infinia
• ultra-premium
• lounge-access
• invite-only relatedCards:
• hdfc-infinia heroImage: /images/guides/hdfc-infinia.svg publishedAt: "2026-06-18T16:57:28.836Z"

The HDFC Infinia Credit Card is HDFC's flagship super-premium card, sitting above the Diners Club Black. It is invitation-only, comes with unlimited international lounge access for primary and supplementary cardholders, 5X reward points on all spends, and 24/7 concierge service. There is no public application form — Infinia is offered to HDFC's highest net-worth customers based on internal relationship value.

Why this matters

Infinia is one of the most rewarding cards in India for high spenders. The 5X multiplier on all categories makes the effective reward rate 3.3% on most spends, which is significantly higher than Regalia. The 24/7 concierge can book flights, hotels, and restaurants on your behalf with a single phone call. However, the card is not open to everyone and you need to build a relationship with HDFC first.

Related cards

How to Apply for the HDFC Infinia Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Build the relationship with HDFC first</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Infinia is offered to customers with an HDFC relationship value of ₹50 lakh or more. This means a combination of savings, FDs, demat holdings, and credit-card spends. If you do not meet the threshold, you cannot apply directly.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Optimise your existing HDFC relationship</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Park 70% of your liquid net worth in HDFC accounts for at least 6 months before applying. Hold an HDFC demat account with active equity/debt investments, and use at least 2 HDFC products (banking + card + loan).</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Maintain a strong CIBIL profile</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Infinia is offered to applicants with a CIBIL score of 780+. Maintain low credit utilisation (under 30%) and never miss an EMI. Infinia is rarely offered to profiles with derogatory marks or recent settlements.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Wait for the invitation or call your RM</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Infinia invitations are sent out by HDFC&#39;s premium banking team once a quarter. If you have an HDFC relationship manager, ask them to recommend you. The RM submits a recommendation that is reviewed by the in-branch credit committee.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Accept the invitation and complete the form</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The invitation contains a one-time link to the Infinia application form. Complete it within 7 days. The form asks for your full name, PAN, address, employment details, and a personal declaration of assets and liabilities.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Undergo in-person verification</h4>
    <p class="text-sm leading-relaxed text-ink-muted">After form submission, an HDFC representative will visit your residence or office for in-person verification. The visit is scheduled within 3 working days. Have your PAN, Aadhaar, and address proof ready for the representative to inspect.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Get the credit committee approval</h4>
    <p class="text-sm leading-relaxed text-ink-muted">The in-branch credit committee reviews your application. Approval is communicated within 7 working days. If approved, the joining fee of ₹12,500 + GST is charged to your HDFC account.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card with concierge onboarding</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Infinia is delivered in a sealed welcome kit. The concierge team calls you within 48 hours of delivery to walk you through the benefits, set up your lounge preferences, and register your travel plans for the next quarter.</p>
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Common mistakes to avoid

Do not apply for Infinia through third-party agents or 'card advisory' websites. HDFC will not entertain any application that does not originate from an RM recommendation. Do not inflate your declared assets — HDFC verifies everything with the Income Tax department.

Pro tips

• Talk to your RM 6 months in advance to discuss Infinia eligibility
• Move FDs from other banks into HDFC to increase your relationship value
• Use the Diners Club Black as a stepping stone — Infinia is a 1-step upgrade path
• Always settle the bill in full each month — Infinia users never revolve credit

Frequently asked questions

Can I apply for Infinia online without an invitation?

No. Infinia is invitation-only. There is no public application form. You must have an HDFC relationship manager who can recommend you.

What is the annual fee on Infinia?

₹12,500 + GST. It is waived on spends of ₹10 lakh or more in the previous 12 months.

What is the minimum income for Infinia?

HDFC does not publish a fixed minimum, but most Infinia holders have a declared annual income of ₹40 lakh or higher and net worth above ₹5 crore.