The HDFC Infinia Credit Card is one of the most sought-after luxury credit cards in India, offering a range of exclusive benefits and features to its cardholders. In this review, we’ll take a detailed look at the card, discussing its features and benefits, as well as the eligibility criteria and fees associated with it. We’ll also provide information on how to apply for the card, and a conclusion summarizing the overall value of the card.
Features and Benefits:
The HDFC Infinia Credit Card offers a wide range of features and benefits to its cardholders, including:
- Unlimited access to airport lounges in India and abroad
- Complimentary golf rounds at select golf courses in India
- Complimentary dining at select restaurants in India
- Complimentary hotel stays at select hotels in India
- Complimentary air tickets on select airlines
- Complimentary membership to the Priority Pass program
- Complimentary membership to the HDFC Diner’s Club Program
- Complimentary membership to the HDFC Regalia Program
- Exclusive discounts on select merchants and brands
- 24×7 concierge services
To be eligible for the HDFC Infinia Credit Card, you must meet the following criteria:
- You must be at least 21 years of age
- You must have a stable income, with a minimum annual income of Rs. 30 lakhs
- You must have a good credit score
Fees and Charges:
The HDFC Infinia Credit Card comes with the following fees and charges:
- Annual fee: Rs. 10,000 plus taxes
- Renewal fee: Rs. 10,000 plus taxes
- Late payment charges: up to Rs. 750
- Cash advance fee: 3% of the transaction amount
- Overlimit fee: 2.5% of the overlimit amount
- Foreign currency transaction fee: 3.5% of the transaction amount
Benefits and Rewards:
One of the main draws of the HDFC Infinia Credit Card is its rewards program. Cardholders can earn points on their purchases, which can be redeemed for a variety of rewards such as travel, merchandise, and gift cards. The card also offers exclusive discounts and perks, such as access to airport lounges and complimentary golf rounds. Additionally, cardholders are entitled to a host of lifestyle and travel benefits such as 24×7 concierge services, travel insurance, and more.
Features and Limits:
The HDFC Infinia Credit Card comes with a high credit limit and a host of features. Some of the card’s key features include:
- Contactless payments
- Zero liability on lost card
- Emergency card replacement
- EasyEMI option
- Flexipay option
However, the card also comes with a high annual fee and interest rate, so it’s important to consider your spending habits and whether you’ll be able to fully utilize the card’s benefits before applying.
How to Apply:
If you’re interested in applying for the HDFC Infinia Credit Card, you can do so online by visiting the HDFC Bank website. To be eligible for the card, you’ll need to meet the following criteria:
- Minimum age of 21 years
- Minimum income of Rs. 30 lakhs per annum
You’ll also need to provide some personal and financial information, such as your name, address, and income.
Frequently Asked Questions:
Is the HDFC Infinia Credit Card worth it?
It depends on an individual’s spending habits and financial goals. The HDFC Infinia credit card offers a number of benefits such as lounge access, reward points, and cashback on purchases. However, it also has a high annual fee and interest rate. It may be worth it for someone who frequently travels and can take advantage of the lounge access and reward points, but may not be worth it for someone who does not travel frequently or does not plan to use the card often. It is advisable to carefully review the card’s terms and benefits to determine if it is a good fit for your needs.
What is the annual fee for the HDFC Infinia Credit Card?
The annual fee for the HDFC Infinia Credit Card is currently Rs. 10,000. However, it’s important to note that this fee is waived off on achieving a spend of Rs. 8 Lacs in the previous year. Additionally, there may be other fees associated with the card, such as late payment fees and cash advance fees.
How do I redeem rewards on the HDFC Infinia Credit Card?
Redeeming rewards on the HDFC Infinia Credit Card is a simple process. Here are the steps to follow:
Log in to your HDFC Bank account.
Navigate to the “Rewards” section of your credit card account.
Browse through the available rewards and select the ones you wish to redeem.
Choose the method of redemption, such as statement credit or cashback to your bank account.
Confirm your redemption and wait for the redemption to be processed.
Alternatively, you can also redeem your rewards by calling the HDFC Bank customer service number and following the IVR instructions.
Keep in mind that the HDFC Infinia Credit Card rewards catalog can be changed based on the bank’s discretion. It is always a good ide
What are the benefits of the HDFC Infinia Credit Card?
The HDFC Infinia Credit Card is a premium credit card that offers a variety of benefits to cardholders, including:
Welcome and Renewal Benefits: Cardholders can earn a large welcome bonus and renewal bonus.
Rewards Points: Cardholders can earn rewards points on all purchases made with the card. These points can be redeemed for a wide range of products and services.
Lounge Access: Cardholders can enjoy complimentary access to select airport lounges across India.
Priority Pass Membership: Cardholders get complimentary Priority Pass membership, which allows them access to over 1000 airport lounges worldwide.
Travel Insurance: Cardholders are covered for travel-related expenses such as lost baggage, trip cancellation, and more.
Fuel Surcharge Waiver: Cardholders can avail of a fuel surcharge waiver of up to 1% on fuel transactions at HPCL and BPCL fuel stations.
Flexipay: Cardholders can convert their large transactions into easy EMI with Flexipay.
Golf Program: Cardholders get complimentary access to select golf courses across India.
Other benefits: Cardholders also get benefits such as concierge services, fraud liability cover, and more.
It’s important to note that these benefits are subject to change and more details are available on HDFC bank website.
How do I cancel my HDFC Infinia Credit Card?
Canceling your HDFC Infinia Credit Card is a simple process, but it’s important to consider the potential impacts it may have on your credit score and any outstanding balances before taking this step. Here are the steps to follow to cancel your HDFC Infinia Credit Card:
Contact HDFC Bank customer service by phone or email.
Request to cancel your HDFC Infinia Credit Card.
Provide the representative with your account information and the reason for cancellation.
Confirm your cancellation with the representative and request for a confirmation email/letter as a record
Destroy the card by cutting it into pieces and dispose of it properly.
It is also important to be aware that there may be fees associated with canceling your card. Some banks may charge cancellation fees, so be sure to check the terms and conditions before canceling the card.
It is also important to make sure that you have paid off any outstanding balances on your card before canceling it. Canceling a credit card with a balance remaining will likely have a negative impact on your credit score.
The HDFC Infinia Credit Card is a premium, luxury card that offers