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HDFC INFINIA Credit Card Metal Edition: Eligibility Criteria



HDFC INFINIA Credit Card Metal Edition: Eligibility Criteria


If you are a HDFC Bank customer, you might have heard of the HDFC INFINIA Credit Card Metal Edition, a premium card that offers exclusive benefits and rewards. But how can you get your hands on this coveted card? What are the eligibility criteria and how can you apply for it? In this blog post, we will answer these questions and more.


What is HDFC INFINIA Credit Card Metal Edition?


HDFC INFINIA Credit Card Metal Edition is a metal card that is designed for high net worth individuals who seek luxury and convenience. The card offers a host of features such as:

  • Unlimited lounge access at over 1000 airports worldwide

  • 5X reward points on dining, travel, and online shopping

  • 10X reward points on SmartBuy and Infinia website

  • 1% fuel surcharge waiver across all petrol pumps

  • Complimentary golf lessons and green fee waiver at select golf courses

  • Low foreign currency markup fee of 2%

  • Comprehensive insurance cover for air accident, medical emergency, and fraud liability

  • Dedicated concierge service for travel, entertainment, and lifestyle needs

  • No pre-set spending limit


Who is eligible for HDFC INFINIA Credit Card Metal Edition?


HDFC INFINIA Credit Card Metal Edition is an invitation-only card that is offered to select customers of HDFC Bank. The eligibility criteria are not disclosed by the bank, but it is generally believed that you need to have a high income, a good credit score, and a long relationship with the bank to qualify for this card. Some of the factors that may influence your eligibility are:


  • Your monthly income: You should have a minimum monthly income of Rs. 3 lakh or an annual income of Rs. 36 lakh to be considered for this card.

  • Your credit score: You should have a credit score of at least 750 or above to be eligible for this card. A credit score reflects your creditworthiness and repayment history.

  • Your credit utilization ratio: You should have a low credit utilization ratio, which is the percentage of your available credit limit that you use. A high credit utilization ratio indicates that you are over-leveraged and may affect your eligibility.

  • Your existing relationship with HDFC Bank: You should have a long and loyal relationship with HDFC Bank, preferably as a savings account holder, a loan borrower, or an existing credit card user. The bank may also consider your spending patterns and payment behavior on your existing cards.

How to apply for HDFC INFINIA Credit Card Metal Edition?


If you meet the eligibility criteria and receive an invitation from HDFC Bank, you can apply for HDFC INFINIA Credit Card Metal Edition online or offline. Here are the steps to apply online:


  • Visit the official website of HDFC Bank and click on 'Credit Cards'.

  • Select 'HDFC INFINIA Credit Card Metal Edition' from the list of cards and click on 'Apply Online'.

  • Fill in your personal details, contact details, income details, and other required information.

  • Upload the necessary documents such as identity proof, address proof, income proof, etc.

  • Submit your application and wait for the approval.

Alternatively, you can also apply offline by visiting your nearest HDFC Bank branch or calling the customer care number. You will need to submit the same documents as mentioned above along with the invitation letter from the bank.


What are the fees and charges of HDFC INFINIA Credit Card Metal Edition?


HDFC INFINIA Credit Card Metal Edition comes with a high annual fee of Rs. 10,000 plus GST. However, you can get this fee waived off if you spend Rs. 8 lakh or more in a year on your card. The card also has a joining fee of Rs. 10,000 plus GST, which is not refundable. However, you can get a welcome gift voucher worth Rs. 10,000 from any of the partner brands such as Taj Hotels, Amazon, Flipkart, etc.


Other fees and charges of HDFC INFINIA Credit Card Metal Edition are:

  • Interest rate: 1.99% per month or 23.88% per annum

  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 500, whichever is higher

  • Cash advance limit: 40% of the credit limit

  • Late payment fee: Rs. 100 to Rs. 950 depending on the outstanding balance

  • Over limit fee: 2.5% of the over limit amount or Rs. 500, whichever is higher

  • Cheque return fee: Rs. 550 per cheque

  • Payment dishonor fee: 2% of the payment amount or Rs. 450, whichever is higher

  • Outstation cheque processing fee: Rs. 25 per cheque up to Rs. 5000 and Rs. 50 per cheque above Rs. 5000

  • Foreign currency transaction fee: 2% of the transaction amount

  • Card replacement fee: Rs. 100

  • GST: 18% on all fees and charges

Is HDFC INFINIA Credit Card Metal Edition worth it?


HDFC INFINIA Credit Card Metal Edition is a premium card that offers a lot of benefits and rewards for high spenders. However, it also comes with a high annual fee and a high interest rate. Therefore, you should weigh the pros and cons of this card before applying for it. Some of the factors that may help you decide are:

  • Your spending habits: If you spend a lot on dining, travel, and online shopping, you can earn a lot of reward points on this card. You can also redeem these points for air miles, hotel bookings, gift vouchers, etc. However, if you do not spend much on these categories, you may not get the full value of this card.

  • Your travel preferences: If you travel frequently, especially internationally, you can enjoy the unlimited lounge access, low foreign currency markup fee, and insurance cover on this card. However, if you do not travel much, you may not need these features.

  • Your lifestyle needs: If you are fond of golf, entertainment, and luxury services, you can avail the complimentary golf lessons, green fee waiver, concierge service, and other privileges on this card. However, if you do not use these services often, you may not find them useful.

  • Your income and credit score: If you have a high income and a good credit score, you may be eligible for this card. However, if you have a low income or a poor credit score, you may not qualify for this card or may have to pay a high interest rate.


In conclusion, HDFC INFINIA Credit Card Metal Edition is a card that suits the needs and preferences of high net worth individuals who seek luxury and convenience. However, it is not for everyone and requires careful consideration before applying for it.


HDFC Credit Cards:

HDFC Credit Cards are one of the most popular and convenient ways to pay for your purchases and bills. HDFC Credit Cards offer a range of benefits, such as reward points, cashback, discounts, EMI options, and more. HDFC Credit Cards also have a low interest rate and a high credit limit, making them suitable for different needs and budgets. HDFC Credit Cards are easy to apply for and manage online, and you can also enjoy 24/7 customer service and security features. HDFC Credit Cards are the smart choice for your financial needs.


FAQs:


Q: What are the key benefits of this card?

A: Benefits are as follows:

o Rewards: Earn 5 Reward Points for every ₹150 spent, redeemable for flights, hotels, and more.

o Travel: Unlimited airport lounge access, complimentary golf games, Club Marriott membership (first year), travel insurance, and emergency assistance.

o Lifestyle: Complimentary ITC hotel stays, dining offers, movie ticket discounts, and global concierge service.


Q: What are the annual fees and charges?

A: The Fees and Charges are as follows:

o ₹12,500 joining/renewal fee (waived off if you spend ₹10 lakh annually).

o Foreign currency markup fee of 2%.

o Other standard charges like late payment fees and cash advance fees apply.


Q: Are there any drawbacks to consider?

A: Drawbacks are as follows:

o High annual fee compared to other cards.

o Invite-only, making it less accessible.

o Rewards points have an expiry date.


Q: What is the metal card made of?

A: The card is typically made of stainless steel or aluminum, offering a premium feel and enhanced durability.


Q: What is the Global Personal Concierge service?

A: Get assistance with travel arrangements, restaurant reservations, event tickets, and more from a dedicated concierge team.


Q: Does the card offer any insurance benefits?

A: Yes, it includes travel insurance, purchase protection, and emergency medical assistance.


Q: How can I contact HDFC Bank customer care for assistance with my Infinia Metal Edition card?

A: Customer Care:

o Call the 24/7 customer care line at 1800 267 6161 or 1800 108 1800.

o You can also reach them via email at [email protected] or through the HDFC Bank website.


Q: What should I do if my card is lost or stolen?

A: Steps to follow is such circumstances:

o Immediately block your card by calling customer care or using the HDFC Bank mobile app.

o Report the loss/theft to the nearest police station and file an FIR.

o Request a replacement card through customer care.


Q: How do I resolve a dispute regarding a transaction on my card?

A: Dispute Resolution:

o Contact customer care and share the transaction details.

o You can also raise a dispute online through the HDFC Bank website or mobile app.


Q: Who is eligible for the HDFC Infinia Credit Card Metal Edition?

A: This is an invite-only card offered to select HDFC Bank customers with a high income and good credit history.



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