HDFC INFINIA Metal Credit Card Review

Are you in the market for a credit card that offers great rewards and perks? Look no further than HDFC Bank’s Infinia Credit Card – consistently ranked as one of the best credit cards in the market.

However, recent changes to its benefits have sparked a debate among credit card enthusiasts: is the annual fee still worth it? In this post, we’ll explore the pros and cons of the Infinia Credit Card, and help you make an informed decision.

In this post, we’ll also compare HDFC Infinia Credit Card to other premium credit cards and explore whether it truly lives up to the hype. But first, let’s analyse why this card has become such a hot topic.

Card Highlights

Card CategoryTravel
Card IssuerHDFC Bank
Credit Card NetworkVisa
Reward MultiplierSmartBuy
Welcome Reward12500 Reward Points & Complimentary Club Marriott Membership*
Annual Fees₹ 12,500 + GST
Foreign Transaction Fee2%
Recommended Credit Score 720+
CG Ratings4.4/5
* Terms & Conditions Apply


  • Upto 10X Reward
  • Annual fee waiver
  • Unlimited lounge access
  • Unlimited Complimentary golf
  • Complimentary Club Marriott membership
  • Complimentary Stay and buffet at ITC hotels


  • No Reward on fuel spends
  • Reward Points Capping on Insurance spends
  • Capping on redemption of Reward Points against statement balance

HDFC INFINIA Credit Card: Detailed Review

Ready to take your credit card game to the next level? HDFC Bank’s premium credit card is a great place to start. With perks like travel benefits and a generous welcome offer, this card has plenty to offer savvy consumers. Let’s dive into the details.

Welcome Offer

HDFC Bank Infinia Credit Card holders get 12500 reward points in addition to complimentary Club Marriott membership as a welcome offer.

Card Image Source: HDFC Bank

With Club Marriott membership, you can enjoy exclusive dining discounts, room upgrades, and free nights at Marriott hotels across Asia-Pacific region – making it the perfect option for avid travellers and foodies.

The cardholder will receive an SMS/email to activate this membership within 15 days of setting up the Infinia Credit Card.

To activate the membership, cardholders must authenticate through a transaction of ₹1 by visiting the attached web page received through SMS/email.

Apart from this, you’ll receive 12500 reward points after activating the card and paying the joining fee. According to CG’s latest valuations, each reward point has a value of ₹1, so you’ll have ₹12500 to use toward travel, shopping, airlines/hotels miles transfer and more.

Earning Reward Point Using HDFC Infinia Credit Card

The HDFC Infinia Credit Card offers a generous rewards program, giving you 5 reward points for every ₹150 spent. However, you can earn even more points by making transactions in specific categories through the Smartbuy portal.

Here’s what you need to know:

  • 10x reward points for hotel bookings made on MakeMyTrip, Cleartrip, and Yatra through the Smartbuy portal 
  • 5x reward points for flights, buses, instant vouchers, and Apple Imagine | Tresor transactions made through the Smartbuy portal.
  • 3x reward points for transactions made on IRCTC and Flipkart through the Smartbuy portal.
  • 1x reward points for any other transaction.

By taking advantage of these bonus categories, you can easily earn more reward points and get closer to redeeming exciting rewards.

How To Redeem HDFC Infinia Card Reward Points?

HDFC Infinia Credit Card holders can redeem their reward points in a variety of ways, but the most valuable option is through the miles transfer program. This program allows you to transfer your reward points to several airline and hotel loyalty programs, providing you with greater flexibility and value.

Miles Transfer Program

The program has recently added 14 new transfer partners, which can increase the value of your reward points even further. Using miles to book flights or hotels can sometimes be more beneficial than paying with cash, with savings of 20 to 30 percent possible in some cases.

Here’s a list of all the miles transfer partners and their transfer ratios:

Transfer PartnerTransfer Ratio(RP:Miles)
Vistara Airlines – Club Vistara1:1
Singapore airlines Krisflyer1:1
Air Canada – AeroPlan2:1
AirAsia rewards1:1
ALL – Accor Live Limitless1:1
Avianca LifeMiles1:1
British Airways Executive Club2:1
Etihad Guest2:1
Finnair Plus1:1
Flying Blue1:1
Hainan Airlines Fortune Wings Club1:1
IHG One Rewards1:1
Lotusmiles Program1:1
Turkish Airlines Miles & Smiles1:1
United MileagePlus2:1
Wyndham Rewards1:1
Source: HDFC Bank

To convert your reward points to miles for the first three partners (Club Vistara, Intermiles, and Singapore Airlines), head to the card section of HDFC net banking. For all other miles transfer partners, you’ll need to use the SmartBuy portal of HDFC Bank.

In conclusion, while there are several options available for redeeming HDFC Infinia Credit Card reward points, the miles transfer program is the best choice for those looking to enjoy luxury flights and hotel bookings. With the program’s extensive list of transfer partners, you can maximise the value of your reward points and experience top-notch travel experiences.

Value Of HDFC Infinia Credit Card Reward Points

In terms of the value of reward points on HDFC Infinia Credit Card, the prevailing conversion rate is typically 1:1, although this may vary depending on the redemption option selected.

It is noteworthy that the reward points earned on this card are highly versatile and can use these rewards for a variety of different benefits, including but not limited to flights, hotels, gift vouchers, air miles conversion, and cashback.

Here’s the value of 1 reward points for various redemption options available for HDFC Infinia Credit Card:

Available Options Value Per Point
Flight and Hotel Bookings₹1
Miles Transfer₹1.33 Approx
Products(From HDFC Net Banking)₹ 0.50
Gift Vouchers₹ 0.50
Apple Products and Tanishq Vouchers₹1
Source: HDFC Bank

If you have an HDFC Infinia Credit Card and are looking to redeem your reward points, it’s important to note that cashback may not be the best option. In fact, redeeming your points for cashback will only give you a value of ₹0.30 per reward point. This means that you may not be getting the most out of your rewards. Consider exploring other redemption options, such as miles transfer or flight and hotel bookings, which may offer higher value for your points.

Top Benefits Of HDFC Infinia Credit Card

Premium Hotel And Dining Benefits

The HDFC Infinia Credit Card offers a range of benefits, including a Club Marriott membership as a welcome offer.

With this membership, cardholders can enjoy up to a 20% discount on their stays and dining at Marriott hotels. Additionally, the card offers a 1+1 complimentary buffet offer and a 2+1 complimentary stay offer at all ITC participating hotels.

1+1 Complimentary Buffet Offer

With the Infinia Card, you can enjoy an extra complimentary buffet when you book one or more buffets at any ITC participating hotel. This offer can be redeemed once a month against one Infinia card.

2+1 Complimentary Night Offer

If you book a stay of two nights at any ITC participating hotel, you will receive an extra night complimentary. This offer is available exclusively to Infinia Cardholders.

By taking advantage of these hotel and dining benefits, HDFC Infinia Credit Cardholders can enjoy a luxurious travel experience at an affordable price.

Good Food Trail Program

The HDFC Infinia Credit Card offers an exclusive dining benefits program called the Good Food Trail Program, which provides a 15% discount on bill payments through Swiggy Dineout at over 20,000 restaurants.

This benefit is particularly valuable since the Dineout Passport membership has been discontinued.

Airport Lounge Access

The HDFC Infinia Card provides unlimited access to domestic and international lounges for both primary cardholders and add-on cardholders via priority passes. This feature ensures that you can enjoy a luxurious and relaxing airport experience every time you travel.

Golf Privilege

The HDFC Infinia Card also offers a Golf Privilege program that provides complimentary access to most golf courses in India and selected courses worldwide.

Additionally, you can take advantage of unlimited complimentary golf coaching at selected golf courses in India, which can be booked by calling HDFC Infinia’s concierge toll-free number. This feature is perfect for golf enthusiasts who want to improve their skills or enjoy a game with friends and family.

Global Personal Concierge Service

One of the most remarkable benefits of the HDFC Infinia Credit Card is its global personal concierge service, available 24/7 to enhance your travel, entertainment, and business experiences.

With the Infinia Card, you can access an extensive range of services that include:

  • Booking golf courses
  • Renting cars
  • Planning and reserving itineraries
  • Securing private dining reservations
  • Delivering international gifts
  • Assisting with flower and gift deliveries
  • Providing event planning and referrals
  • Offering airport VIP services, such as meet and greet

To take advantage of these facilities, you can contact the concierge team through their toll-free number, landline number, or email ID:

Toll-Free Number: 1800 118 887
Landline Number: 022 42320226
Email ID: [email protected]

With the Infinia Credit Card, you’ll enjoy unparalleled convenience and support wherever you go.

A Quick Comparison of HDFC Infinia Credit Card

HDFC Infinia vs Other HDFC Bank’s Cards


Diners Club Black

Regalia Gold
Annual Fees ₹ 12,500 + GST ₹ 10,000 + GST ₹ 2,500 + GST
Welcome Offer 12,500 Reward Point & Club Marriott membership 6+ Annual memberships (Including Club Marriott & Amazon Prime) Club Vistara Silver Tier and MMT Black Elite membership
Airport Lounge Access Unlimited Airport lounge access Unlimited Airport lounge access 12 Domestic & 6 International
Reward 5 Reward Points on every Rs.150 5 Reward Points on every Rs.150 4 Reward Points on every Rs.150
Reward Value 1RP = Upto ₹1 1RP = Upto ₹1 1RP = Upto ₹0.65
Reward Multiplier SmartBuy (Upto 10X) SmartBuy (Upto 10X) SmartBuy (Upto 10X)
CG Ratings 4.4/5 4.2/5 3.8/5
Our Review HDFC Diners Club Black Review HDFC Regalia Gold Review

HDFC Infinia vs Other Premium Credit Cards


Axis Reserve

Axis Magnus
Annual Fees ₹ 12,500 + GST ₹ 50,000 + GST ₹ 10,000 + GST
Welcome Offer 12,500 Reward Point & Club Marriott membership 50,000 Reward points Domestic flight or Tata CLiQ voucher worth ₹10,000
Airport Lounge Access Unlimited Airport lounge access Unlimited Airport lounge access Unlimited Airport lounge access
Reward 5 Reward Points on every Rs.150 15 edge reward points on every Rs.200 12 edge reward points on every Rs.200
Reward Value 1RP = Upto ₹1 1RP = Upto ₹1 1RP = Upto ₹1
Reward Multiplier SmartBuy (Upto 10X) Grab Deal (Upto 10X) Grab Deal (Upto 10X)
CG Ratings 4.4/5 4.5/5 4.3/5
Our Review Axis Reserve Card Review Axis Magnus Card Review

Bottom Line

If you are a high-spender and a frequent traveller, HDFC Infinia Credit Card can be an excellent fit for you. With premium benefits such as airport lounge access, travel and dining privileges, and reward points on almost every transaction, this credit card caters to your lifestyle needs.

However, it’s important to note that HDFC Infinia Credit Card comes with an annual fee, which may not be suitable for everyone. Hence, it’s crucial to evaluate the benefits and costs associated with this credit card and determine if it aligns with your financial goals.

While HDFC Infinia Credit Card is one of the best premium credit cards in the market, there are other credit cards available that offer competitive benefits and may better suit your individual needs. Therefore, it’s advisable to research and compare different credit cards before making a final decision.

HDFC Infinia Credit Card FAQs

What Is The Difference Between Infinia And Infinia Metal?

HDFC Bank’s Infinia credit card and Infinia Metal credit card are both premium credit cards that come with exclusive features and benefits. The only difference between the two credit card is the material used to make the card itself. The Infinia credit card is made of plastic, while the Infinia Metal credit card is made of metal.

What Is The Markup Fee For Infinia Metal Card?

HDFC Infinia and Infinia Metal cards charge a foreign currency markup fee of 2% on all transactions made in foreign currencies. This fee is applied to the transaction amount and is subject to change based on the current exchange rate at the time of the transaction. It is important to make sure that this fee is in addition to any other charges or fees that may be levied by the merchant or the card issuer.

Can I Get Infinia Credit Card Lifetime Free?

Unfortunately, no. The Infinia Credit Card offered by HDFC Bank is a high-end credit card that does not come with a lifetime free option. It has a joining fee and an annual fee of 12500+gst.

What Is The Minimum Salary For HDFC Infinia Card?

HDFC Bank’s Infinia Credit Card is an invite-only card and does not have a fixed minimum salary requirement in its eligibility criteria. However, it is generally recommended that applicants have a high income level, excellent credit score, and a good credit history to be considered for this premium credit card.

How Can I Get Invited To HDFC Infinia?

HDFC Infinia is one of the most exclusive credit cards offered by HDFC Bank in India. If you are an existing HDFC Bank customer with a credit card limit of Rs. 800,000 or more, you may be eligible to receive an invitation from the bank to upgrade to the Infinia credit card.

If you meet the eligibility criteria and are interested in upgrading to HDFC Infinia, keep an eye on your email inbox or your HDFC Bank credit card account. The bank may send you an invitation to upgrade to the Infinia card when you meet the requirements.

Does Infinia Card Have Lounge Access?

Yes, the HDFC Infinia Credit Card offers unlimited lounge access to both the primary cardholder and any add-on cardholders. This means you can enjoy the comfort and convenience of airport lounges around the world, regardless of the airline or class of travel.

Which One Is Better: Regalia or Infinia?

Both HDFC Bank credit cards, Infinia and Regalia, are excellent cards with their own unique benefits. Infinia is designed for the High Income Group (HIG) and has a higher joining and annual fee of INR 12,500 plus GST. On the other hand, Regalia is a mid-level premium card with a lower joining and annual fee of only INR 2,500.

Ultimately, the choice between Infinia and Regalia depends on your personal preferences and spending habits. If you travel frequently and value luxury perks, Infinia may be the better choice. However, if you prefer lifestyle benefits and a lower annual fee, Regalia may be more suitable for you.

Does HDFC Provide A Metal Card?

HDFC Bank offers two metal credit cards: the HDFC Infinia Card and the HDFC Regalia Gold Card. These cards are designed to offer premium benefits and services to cardholders, including exclusive rewards, travel privileges, and lifestyle benefits.

Does HDFC Infinia Have Travel Insurance?

While HDFC Infinia Credit Card offers accidental air death insurance up to 3 crores and emergency overseas hospitalisation insurance up to 50 lakhs, it doesn’t offer specific travel insurance.

How Much Cash Can Be Withdrawn From HDFC Infinia Credit Card?

The HDFC Infinia Card allows cash withdrawals up to 10% of the total credit limit. For example, if you have credit limit of Rs. 1,00,000, you can withdraw up to Rs. 10,000 in cash using your card.

It’s important to note that cash withdrawals typically come with a higher interest rate and additional fees, so it’s best to use this feature sparingly and only when necessary.

Additionally, some ATMs may have their own limits on cash withdrawals, so be sure to check with your bank and the ATM provider before making a withdrawal.

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