Best HDFC Bank Credit Cards
HDFC Bank Infinia Credit Card — unlimited lounge access, HDFC's top-rated card at 4.8/5.
HDFC Bank Infinia Credit Card tops HDFC's own lineup at a 4.8 rating, with unlimited lounge access and a 10X SmartBuy points program that's genuinely differentiated from a flat-rate rewards card. Our own catalog notes flag it as effectively invite-only in practice, the same treatment ICICI's Emeralde Private Metal gets — so while it's technically open to apply for, it isn't a card most readers can walk in and get approved for on demand.
Frequently asked questions
Can anyone apply for the HDFC Infinia Credit Card?
Formally yes, but HDFC treats it much like an invite-only product in practice — approval usually follows an existing high-value banking relationship rather than a cold application.
What's the annual fee?
₹12,500 a year, waived if you spend ₹10,00,000 in the preceding year — a genuinely high spend threshold, not a token waiver.
Is there a more accessible HDFC card with lounge access?
Yes — HDFC's catalog includes several lower-fee cards with domestic lounge access. Take the quiz to see which one actually fits your income and spending.