Welcome Benefit: Users will get a complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region and 12,500 reward points upon fee realisation and card activation.
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HDFC Bank Infinia Credit Card Metal Edition
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region and 12,500 reward points upon fee realisation and card activation.
Milestone Benefits
None.
Cashback Rate
Users will earn 5 reward points on every Rs.150 retail spend.
Reward points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1. Effective cashback rate: 3.33%.
Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1. Effective cashback rate: 3.33%.
Airmiles conversion through net banking at a value of 1RP = 1 air mile. Effective cashback rate: 3.33%.
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: 0.99%.
Movie Benefits
None.
Dining Benefits
1+1 complimentary Buffet @ ITC Hotels. 10% off on dining out with Swiggy Dineout.
Other Benefits
Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India
Foreign Currency Markup : Lowest markup fee of 2% on all foreign currency transactions.
Zero Lost card liability
Free global personal concierge – 24 X 7.
Renewal fee waived off on spending INR 10 Lakhs or ore in a year.
12,500 Reward Points free on renewal.
Metallic Credit Card
Lounge Access
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 & Benefits
Welcome Benefits
Welcome Benefit: Users will get a complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay across Asia – Pacific region and 12,500 reward points upon fee realisation and card activation.
Milestone Benefits
None.
Cashback Rate
Users will earn 5 reward points on every Rs.150 retail spend.
Reward points can be redeemed for: Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs1. Effective cashback rate: 3.33%.
Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = Rs. 1. Effective cashback rate: 3.33%.
Airmiles conversion through net banking at a value of 1RP = 1 air mile. Effective cashback rate: 3.33%.
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: 0.99%.
Movie Benefits
None.
Dining Benefits
1+1 complimentary Buffet @ ITC Hotels. 10% off on dining out with Swiggy Dineout.
Other Benefits
Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India
Foreign Currency Markup : Lowest markup fee of 2% on all foreign currency transactions.
Zero Lost card liability
Free global personal concierge – 24 X 7.
Renewal fee waived off on spending INR 10 Lakhs or ore in a year.
12,500 Reward Points free on renewal.
Metallic Credit Card
Lounge Access
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.
Fees & Charges
Joining Fee
Rs.12,500
Annual Fee
N.A.(Not Applicable)
Cash Advance Fee
Cash withdrawal fee: NIL
Interest rate
Interest Rates: 1.99% per month or 23.8% annualized
Late Payment Fee
Foreign currency mark-up fee: 2% Late payment charges:-
Foreign Currency Transactions Fee
Other Fees
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.) | Rewards redemption fee : NIL | Add-on cards charges: NIL | 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
Fees & Charges
Joining Fee
Rs.12,500
Annual Fee
N.A.(Not Applicable)
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 1.99% per month or 23.8% annualized
Late Payment Fee
Foreign currency mark-up fee: 2% Late payment charges:-
Foreign Currency Transactions Fee
Other Fees
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.) | Rewards redemption fee : NIL | Add-on cards charges: NIL | 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
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
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 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.
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