Not available via the quiz
By invitation only.
HDFC Bank Infinia Credit Card
HDFC Bank
HDFC's top invite-only card — same treatment note as ICICI's Emeralde Private Metal.
₹12,500
Joining fee
₹12,500, waived at ₹10L spend
Annual fee
Waived if annual spend exceeds Rs 10 lakh.
2%
Forex markup
4.8 / 5
Rating
Eligibility
Estimated minimum income: ₹3,00,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Invite-only; no explicit income/CIBIL minimums publicly disclosed — typically extended to high-income individuals with excellent existing credit history and a relationship with HDFC Bank.
Lounge access
Unlimited domestic & international lounge visits
Source says "unlimited lounges" without an explicit domestic/international split; read as covering both scopes given this card's tier.
Key features
- Unlimited lounges
- 10X points via SmartBuy
- 10,000-point welcome and ₹10L-spend milestone bonuses
Reward details
5 reward points per Rs 150 spent across most retail categories (~3.3% value at typical redemption)
- accelerated up to 10X (up to ~16.5% effective rate on the capped portion per CardAdvisor) on SmartBuy travel/shopping bookings — 15,000 points/month
Welcome bonus: 12,500 points on joining/renewal
Category caps
- Groceries: 2,000 points/month
- Utility bills: 2,000 points/month
- Insurance: 10,000 points/month
- Brand vouchers: 3,000 points/month (within overall limit)
- Statement credit: 50,000 points
Redemption
Tiered by redemption channel.
Ratio: 1 RP = Rs 1 for flights/hotels via SmartBuy; 1 RP = 1 air mile for select airline/hotel partners; 1 RP = Rs 0.50 for vouchers; 1 RP = Rs 0.30 for cashback
Caps: Maximum 2,00,000 CashPoints per statement cycle
Excluded from rewards: fuel, rent paid via third-party apps, government and tax payments, wallet loads, EMI conversions, education fees paid via third-party apps (e.g. CRED, NoBroker), property management/maintenance payments, online skill-based gaming
- 3-nights-for-the-price-of-2 at ITC Hotels.
- Complimentary Club Marriott membership, first year free only.
- Golf: unlimited complimentary games at participating courses globally.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Excellent reward rate and near-1:1 redemption value for travel bookings widely praised; unlimited Priority Pass called out as a standout ('never wait in airport queues'); regarded as having the highest points density among Indian cards for travel redemptions. — Paisabazaar/CardAdvisor
Complaints
- Forex markup, while competitive, 'could have been lower' per one review; Club Marriott membership limited to the first year only; invitation-only access itself cited as a significant barrier to entry; CardAdvisor cites a 'heavy devaluation history (11 cuts since 2016)' and flags a reported 'new 2026 retention rule' requiring roughly Rs 18 lakh/year in spend to avoid a 2027 downgrade (unverified against an official HDFC statement); SmartBuy category caps limit the practical return for most cardholders. — Paisabazaar/CardAdvisor
Sources
- Aggregator — fees, forex, lounge, rewards, sentiment
- Aggregator — forex, rewards, sentiment
- Official (not independently verified) — eligibility page listing (search result only)