HDFC Infinia Credit Card by HDFC Bank

Quick answer

HDFC Infinia Credit Card at a glance: The HDFC Infinia Credit Card from HDFC Bank is a super-premium credit card aimed at premium, lounge-access and travel spenders, offering 5 reward points per ₹150 rewards and ₹12,500 annual fee (waivable on minimum spend). Eligibility floor: minimum income ₹2,50,000 per annum. Compare it against the HDFC Bank Regalia Gold Credit Card if you want a lower-fee alternative from the same issuer. See the FAQ below for fees, lounge access, and milestone bonuses.

Key terms

Credit-card jargon made simple

APR: Annual Percentage Rate — the yearly cost of borrowing on a credit card, including interest and most fees, expressed as a percentage. APRs on Indian credit cards generally range from 30% to 48% per annum.
Reward rate: The number of reward points or cashback you earn per rupee spent. Hover over the rate on any card to see the category split — most cards pay a higher rate on accelerated categories (travel, dining, fuel) and a floor rate on everything else.
Fuel surcharge: The 1% (or higher) transaction fee that oil marketing companies charge on fuel purchases. Most credit cards waive this surcharge between ₹400 and ₹5,000 per transaction — the saving is typically credited as a monthly statement credit.
Credit limit: The maximum outstanding balance the issuer will let you carry on the card. The limit is set at issuance based on declared income and credit score, then reviewed every 6–12 months. Keeping utilisation below 30% of the limit is the single biggest factor in credit-score improvements.
EMI: Equated Monthly Instalment — converting a large purchase into fixed monthly payments over 3–24 months. EMI on a credit card carries interest separate from the headline APR; budget apps often treat EMI as a separate liability.
Add-on card: A supplementary card issued against the primary cardholder's account. Spent on the add-on card flows to the primary holder's bill and reward pool; the add-on holder has no independent credit exposure.
Billing cycle: The roughly 30-day window between two consecutive statement dates. Purchases, refunds, and finance-charge calculations all reset at the cycle close. The 'bill generation date' is when the statement is finalised; you usually have 20 days after that to pay without interest.
Welcome benefit: A first-cycle perk the issuer credits after the first transaction or first spend milestone — typically bonus reward points, a cashback credit, or a complimentary lounge visit. Welcome benefits are nearly always conditional on meeting a minimum spend within the welcome window (usually 30–90 days).
Milestone benefit: An annual perk unlocked when total card spend crosses a threshold — e.g. ₹1 lakh spend unlocks a free lounge visit, ₹5 lakh unlocks a higher reward multiplier. The benefits reset every card-anniversary year.
TAT: Turn-Around Time — how long the issuer takes to deliver a decision (T+1 for instant approval cards, 7–21 days for premium cards requiring manual underwriting). TAT is also used to describe dispute resolution timelines.
T&C: Terms and Conditions — the contractual document governing every benefit on the card. Most reward caps, lounge limits, fuel-surcharge waivers, and milestone thresholds are spelled out in the T&C; the issuer can change them with 30 days' notice.
Finance charge: The interest the issuer charges when you carry a balance past the interest-free period. Finance charge is computed daily on the outstanding amount and compounds; paying the statement balance in full every month is the only way to avoid it.
GST on fees: 18% Goods and Services Tax applied on joining, annual, renewal, and most penalty fees — and on finance charges. The fee figures you see on issuer rate cards and on FinWiz24 are usually 'exclusive of GST'; check the fee schedule before comparing across cards.

TL;DR

HDFC Infinia Credit Card at a glance

Annual fee: ₹12,500
Reward rate: 5 reward points per ₹150
Best for: premium, lounge-access, travel
Minimum income: ₹25,00,000 / month

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HDFC Infinia Credit Card

Read the HDFC Infinia Credit Card definition in our glossary.

HDFC BankOfficial Website

5 reward points per ₹150 — Best for premium · lounge-access · travel.

Data as of 19 Jun 2026

Data may be out of date. Last verified 19 Jun 2026.

premiumlounge-accesstravel

Invite-only

Invite-only card. Issued at the bank's discretion to selected customers; not available for general public application.

Data may be outdated — last verified over 30 days ago

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Fee Waiver

Spend to waive: Spend ₹10,00,000 or more in the preceding 12 months (post-2021 cards); pre-2021 cards: ₹8L waiver

Annual fee: ₹12,500

Compare

HDFC Infinia Credit Card vs HDFC Bank Regalia Gold Credit Card →HDFC Infinia Credit Card vs HDFC Bank Marriott Bonvoy Credit Card →HDFC Infinia Credit Card vs HDFC Bank Freedom Credit Card →

Card Snapshot

Joining Fee

₹12,500

Annual Fee

₹12,500

Reward Rate

5 reward points per ₹150

Minimum Income

₹25,00,000/mo

Complimentary airport lounge accessReward structure: 5 reward points per ₹150Annual fee of ₹12,500 — only worth it for high spendersIncome eligibility of ₹2.5 lakh/month — moderate barNo built-in travel insurance cover

About

Invite-only card. Issued at the bank's discretion to selected customers; not available for general public application.

Card Benefits

Lounge Access2 benefits

Best For

premium

lounge-access

travel

Foreign exchange, lounges & network

Forex Markup

2.00

% + GST (DCC / dynamic currency conversion)

Lounge Access

Unlimited complimentary domestic lounge access (primary + add-on)

Unlimited complimentary international lounge access via Priority Pass (1,000+ lounges worldwide, primary + add-on)

Network

Mastercard

Accepted at millions of merchants worldwide

Editorial review

Everything you need to know about HDFC Infinia Credit Card

~872 words

Data as of 12 Aug 2026

What is HDFC Infinia Credit Card?

5 reward points per ₹150 — Best for premium · lounge-access · travel.

Invite-only card. Issued at the bank's discretion to selected customers; not available for general public application.

HDFC Infinia Credit Card is issued by HDFC Bank on the Mastercard network, which sets the global acceptance and the contactless / tokenisation experience. Annual fee: ₹12,500 (joining fee ₹12,500). Fee waivers may apply — check the Fees section below for the exact conditions. The card is positioned for premium, lounge-access, travel; the rest of this page breaks down what that means in practice.

Fees and charges explained

HDFC Infinia Credit Card charges the fees listed below. Annual and joining fees are set by HDFC Bank and may change at renewal — always check the bank's most recent fee schedule before you apply.

Joining fee: ₹12,500
Annual fee: ₹12,500
emi processing fee: ₹99
Per EMI transaction
renewal fee: ₹12,500 (waivable)
Waived on annual spends ≥ ₹10
forex markup fee: 2% + GST (DCC / dynamic currency conversion)
over limit fee: ₹500
late payment fee: ₹1,300
cash advance fee: 2.5%
fuel surcharge: ₹1 (waivable)
1% fuel surcharge waived on transactions between ₹400 and ₹10

For most applicants the only fee that matters day-to-day is the annual fee; the others (foreign-currency markup, late-payment charges, cash-advance fees) only apply if you trigger them. If you are comparing HDFC Infinia Credit Card against another card on cost alone, the cleanest comparison is ₹12,500 joining + ₹12,500/yr vs. the equivalent on the alternative.

Rewards, points, and cashback on HDFC Infinia Credit Card

HDFC Infinia Credit Card earns 5 reward points per ₹150 on eligible spends.

Reward rates by category:

all: 5.00 Reward Points per Rs 1 spent
Milestone bonus: Welcome benefit: 12,500 Reward Points on fee realization; complimentary Club Marriott membership for first year (Up to 25% off dining/stay Asia-Pacific); Book 3-nights-pay-2 at participating ITC hotels; 1+1 buffet at ITC hotels; 12,500 RPs as renewal benefit on fee realization; 10,000 bonus RPs on annual spends ≥ ₹8L (legacy) or milestone-based
Reward Points per ₹150 retail spend (including insurance, utilities, education); up to 10X on SmartBuy — cap_monthly: No explicit monthly cap on points accrual — redemption_value: RP = 0.5 (flights/hotels via SmartBuy); 0.65 (Gold catalogue for Regalia Gold; Infinia may have its own premium catalogue); 0.20 (statement credit)
shopping: 5.00 Reward Points per Rs 1 spent
dining: 5.00 Reward Points per Rs 1 spent
travel: 5.00 Reward Points per Rs 1 spent

How to think about value: Indian credit-card reward points are worth between ₹0.20 and ₹1.00 each depending on how you redeem (cashback is straightforward; transfer partners and milestone redemptions can pay more). The headline rate on HDFC Infinia Credit Card reads high because the bank quotes point-accumulation, not rupee value — multiply by your typical monthly spend and the redemption rate you'd actually use to get a real-world figure.

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Lifestyle, travel, and insurance benefits

Beyond the headline reward rate, HDFC Infinia Credit Card includes the lifestyle, travel, and insurance benefits listed below. These are the perks that decide which card stays in your wallet for year three, not just year one.

Headline benefits:

Domestic lounge access
Unlimited complimentary domestic lounge access (primary + add-on)
International lounge access
Unlimited complimentary international lounge access via Priority Pass (1,000+ lounges worldwide, primary + add-on)

Insurance and consumer protection: most Mastercard cards issued by Indian banks come with at least purchase-protection and zero-liability-on-fraud cover; the precise cover levels, claim procedures, and exclusions are spelled out in the card's most-favored-nations (MFN) booklet — request a copy from the bank if you cannot find it online.

Lounge access: if HDFC Infinia Credit Card advertises airport-lounge access, the headline number (visits per quarter, domestic vs international) is in the Benefits tab; the access is usually conditional on minimum quarterly spends, which the same tab will list.

Eligibility: who should apply for HDFC Infinia Credit Card

HDFC Infinia Credit Card targets applicants who are 21-65 years old and earn at least ₹2,50,000 for salaried applicants.

The bank assesses credit-card applications on four factors: your CIBIL score (750+ recommended), your monthly income versus the minimum-income threshold, your employment stability (Salaried / self-employed both qualify for most cards), and your existing relationship with HDFC Bank — existing customers usually see faster approvals and higher initial credit limits.

Credit score note: Prime credit score (CIBIL/Experian); existing HDFC relationship preferred Eligible professions include: All.

If your profile is on the borderline, applying through the bank's existing-customer portal (salary account + this card) usually gives 1.5-2x the approval odds versus a cold application. The bank's pre-qualified offer (when available) skips the hard pull entirely.

Documents you will need

When you apply for HDFC Infinia Credit Card, HDFC Bank will ask for the documents listed below. Existing customers with a current salary account typically see a reduced list — the bank already has your KYC on file and only re-asks for income proof if your salary has changed materially in the last 12 months.

Documents you will need:

pan card — required
aadhaar card — required
address proof — required
passport size photo — required
salary slip — required
bank statement — required

All documents can be uploaded digitally via the bank's application portal — there is no need to visit a branch in 2026. Keep scans under 2 MB each (PDF preferred for paperwork, JPG for the photograph) and ensure your name matches your PAN exactly; a mismatch is the single most common cause of application rejection at the document-verification stage.

How to apply

How to apply for HDFC Infinia Credit Card

Check eligibility
Confirm you meet the minimum income and credit score requirements using our eligibility checker.
Gather your documents
Keep PAN, Aadhaar / address proof, income proof, and a passport-size photo ready.
Apply on the bank's website
Click Apply Now. You'll be redirected to HDFC Bank to complete the application — FinWiz24 never sees your data.

FAQ

Frequently asked questions about HDFC Infinia Credit Card

What are the fees on HDFC Infinia Credit Card?

HDFC Infinia Credit Card has a joining fee of ₹12,500 and an annual fee of ₹12,500. The annual fee may be waived if you meet the bank's spend or relationship conditions.

Who is eligible for HDFC Infinia Credit Card?

Applicants need a minimum income of ₹2,50,000 per annum and a credit score of at least 750. Salaried and self-employed individuals can apply.

How does the rewards program on HDFC Infinia Credit Card work?

HDFC Infinia Credit Card earns 5 reward points per ₹150 on your spending.

What documents are needed to apply for HDFC Infinia Credit Card?

You'll need a PAN card, an address proof (Aadhaar / passport / utility bill), an income proof (salary slip, Form 16, or ITR), and a passport-size photograph. Existing customers of HDFC Bank may have a simpler flow.

Other HDFC Bank cards

HDFC Bank Regalia Gold Credit Card

4 reward points per ₹150 — Best for travel · lounge-access · premium.

HDFC Bank Marriott Bonvoy Credit Card

2 Marriott Bonvoy points per ₹150 — Best for travel · hotels · lounge-access.

HDFC Bank Freedom Credit Card

Lifetime free. 10X Reward Points / CashPoints on Big Basket, BookMyShow, OYO, Swiggy, Uber; …

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What is HDFC Infinia Credit Card?

5 reward points per ₹150 — Best for premium · lounge-access · travel.

Invite-only card. Issued at the bank's discretion to selected customers; not available for general public application.

Fees and charges explained

HDFC Infinia Credit Card charges the fees listed below. Annual and joining fees are set by HDFC Bank and may change at renewal — always check the bank's most recent fee schedule before you apply.

Joining fee: ₹12,500
Annual fee: ₹12,500
emi processing fee: ₹99
Per EMI transaction
renewal fee: ₹12,500 (waivable)
Waived on annual spends ≥ ₹10
forex markup fee: 2% + GST (DCC / dynamic currency conversion)
over limit fee: ₹500
late payment fee: ₹1,300
cash advance fee: 2.5%
fuel surcharge: ₹1 (waivable)
1% fuel surcharge waived on transactions between ₹400 and ₹10

Rewards, points, and cashback on HDFC Infinia Credit Card

HDFC Infinia Credit Card earns 5 reward points per ₹150 on eligible spends.

Reward rates by category:

all: 5.00 Reward Points per Rs 1 spent
Milestone bonus: Welcome benefit: 12,500 Reward Points on fee realization; complimentary Club Marriott membership for first year (Up to 25% off dining/stay Asia-Pacific); Book 3-nights-pay-2 at participating ITC hotels; 1+1 buffet at ITC hotels; 12,500 RPs as renewal benefit on fee realization; 10,000 bonus RPs on annual spends ≥ ₹8L (legacy) or milestone-based
Reward Points per ₹150 retail spend (including insurance, utilities, education); up to 10X on SmartBuy — cap_monthly: No explicit monthly cap on points accrual — redemption_value: RP = 0.5 (flights/hotels via SmartBuy); 0.65 (Gold catalogue for Regalia Gold; Infinia may have its own premium catalogue); 0.20 (statement credit)
shopping: 5.00 Reward Points per Rs 1 spent
dining: 5.00 Reward Points per Rs 1 spent
travel: 5.00 Reward Points per Rs 1 spent

The Rewards tab below carries the full per-category breakdown with monthly caps, milestone bonuses, and any accelerated-spend windows (festivals, weekend spends, travel categories).

Lifestyle, travel, and insurance benefits

Headline benefits:

Domestic lounge access
Unlimited complimentary domestic lounge access (primary + add-on)
International lounge access
Unlimited complimentary international lounge access via Priority Pass (1,000+ lounges worldwide, primary + add-on)

Eligibility: who should apply for HDFC Infinia Credit Card

HDFC Infinia Credit Card targets applicants who are 21-65 years old and earn at least ₹2,50,000 for salaried applicants.

Credit score note: Prime credit score (CIBIL/Experian); existing HDFC relationship preferred Eligible professions include: All.

Documents you will need

Documents you will need:

pan card — required
aadhaar card — required
address proof — required
passport size photo — required
salary slip — required
bank statement — required

HDFC Infinia Credit Card

HDFC Infinia Credit Card at a glance

About

Card Benefits

Lounge Access2

Best For

Categories

Foreign exchange, lounges & network

How to apply for HDFC Infinia Credit Card

Check eligibility

Gather your documents

Apply on the bank's website

Frequently asked questions about HDFC Infinia Credit Card