HDFC Bank INFINIA Credit Card Metal Edition
Product Details
Credit Card Name :
HDFC Bank INFINIA Credit Card Metal Edition
Bank Name :
HDFC Bank
Type :
Premium Credit Card
Interest Rate :
1.99% per month i.e. 23.88% annually
Eligibility :
Membership for the HDFC Bank Infinia Credit Card is By Invite Only
Pros
Welcome Benefit: Complimentary nights & buffet at participating ITC hotels.
Customers can enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass (benefit also available for add-on Priority Pass holders), and Unlimited Complimentary golf games at leading courses across India and select courses across the world.
Rewards: Customers can get 5 Reward Points for every ₹ 150 spent, and earn up to 10 times Reward Points on your travel and shopping spends on Smartbuy.
Cons
Extremely costly card.
Pros & Cons
Welcome Benefits
Complimentary Club Marriott membershiUp to 50 days of interest free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)
Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region. Get welcome benefit of 12,500 reward points upon fee realisation and card activation p for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region. Get welcome benefit of 12,500 reward points upon fee realisation and card activation
Rewards System
Earn 5 Reward Points on every Rs.150 retail spends
Reward Points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1
Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1
Airmiles conversion through netbanking at a value of 1RP = 1 airmile
Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = upto Rs 0.50 Cashback at a value of 1 RP = Rs 0.30
Effective Cashback Rate= 1%
International Forex Markup
Lowest markup fee of 2% on all foreign currency transactions.
Welcome Benefits and Reward System
Special Features
Unlimited Complimentary golf games at leading courses across India and select courses across the world.
Eligibility Criteria
Membership for the HDFC Bank Infinia Credit Card is By Invite Only
Benefits
Golf Privileges
Hotel and Dining Benefits
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Go to the HDFC Bank website and click on the "Credit Cards" tab.
Click on the "INFINIA Credit Card Metal Edition" link.
Click on the "Apply Now" button.
Fill out the application form and submit it.
Here are the documents that you need to submit along with your application form: Proof of identity (e.g., passport, driving license, PAN card) Proof of address (e.g., bank statement, utility bill) Proof of income (e.g., salary slip, tax return)
The processing time for the application is usually 7-10 working days.
Once your application is approved, you will receive the card in the mail within 15-20 working days.
Contact Details
HDFC Bank Customer Service
Customer care numbers:
Toll Free: 1800 266 3310
Landline: 022-6171 7606 (For customers travelling overseas)
E-mail: infinia.services@hdfcbank.com
Account Opening and Procedure
HDFC Bank INFINIA Credit Card Metal Edition
HDFC Bank Infinia credit card offers a plethora of benefits to its customers including lifestyle benefits like a 24×7 concierge service, complimentary access to the country’s leading golf destinations, dining and travel benefits like unlimited complimentary lounge access all around the world with the Priority Pass membership, flight/hotel bookings using Reward Points and, obviously, shopping benefit of 5 Reward Points per Rs. 150 spent with the card. Considering all these benefits and privileges, it’s safe to say that this card fits the needs of almost all types of customers. Of course, since it’s a premium credit card, although the bank has not mentioned it explicitly on their terms and conditions, your net worth must be fairly high to be eligible for this card.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining fee: Rs.12,500
Renewal fee: Rs.5,000 (Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.)
Cash withdrawal fee: NIL
Rewards redemption fee : NIL
Add-on cards charges: NIL
Foreign currency mark-up fee: 2% Late payment charges:-
Less than Rs.100 - Nil Rs.100 to Rs.500 - Rs.100 Rs.501 to Rs.5,000 - Rs.500 Rs.5,001 to Rs.10,000 - Rs.600 Rs.10,001 and 25,000 - Rs.800 Rs.25,000 to Rs.50,000 - Rs.1,100 Over Rs.50,000 - Rs.1,300
Interest Rates: 1.99% per month or 23.8% annualized
Fuel Surcharge
1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.1,00,000
Billing Cycle
30 Days