HDFC Bank INFINIA Credit Card Review

The INFINIA Credit Card is provided by the HDFC Bank and has some key features, such as:

  • Metallic Card,
  • Complimentary nights & buffet at participating ITC hotels,
  • Complimentary Club Marriott membership for first year,
  • Unlimited airport lounge access across the globe for Primary and Add-on member,
  • 5 Reward Points for every ₹ 150 spent,
  • Global Personal Concierge -24 X 7.

To know more about it, keep reading!

Features and Benefits

This card comes with the following benefits:

  • Club Marriott membership,
  • Hotel & Dining Benefit,
  • Golf Privileges,
  • Foreign Currency Markup,
  • Zero Lost card liability,
  • Interest Free Credit Period,
  • Revolving Credit,
  • Concierge,
  • Lounge Access,
  • Good Food Trail Program,
  • Fuel Surcharge Waiver,
  • Welcome Benefit,
  • Renewal Offer,
  • Smart EMI,
  • Contactless Payment,
  • Insurance/Comprehensive protection,
  • Reward Point/CashBack.

Club Marriott membership

Get a complimentary Club Marriott membership for the first year. The membership offers up to 20% discounts for Dining and stay across Asia – Pacific region.

Hotel & Dining Benefit

  • Book stay for 3-nights and pay for two at participating ITC hotels,
  • Get 1+1 complimentary buffet at participating ITC hotels.  

Golf Privileges

Enjoy unlimited complimentary golf games at leading courses across India and select courses across the world. 

You can also get unlimited complimentary Golf coaching at select golf courses across India. To book, please call the concierge.

Foreign Currency Markup

Enjoy the lowest markup fee of 2% on all foreign currency transactions.


With this card you can access a Global Personal Concierge – 24 X 7

Customize your travel, entertainment, and business experiences with the Global Concierge Assistance.

Lounge Access

Avail unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.

Good Food Trail Program

  • Enjoy dining benefits with Good Food Trail program,
  • Get complimentary Dineout passport membership for a year, which offers:
    • Assured flat 25% off at 2000+ premium restaurants,
    • 1+1 on buffet at 200+ restaurants,
    • 1+1 on Food / Drinks on select restaurants,
    • Zero convenience fee,
    • Early access to events and festivals such as GIRF,
    • Get additional 15% off on all your bill payments via DineOut Pay (10k + restaurants).

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver at all fuel stations across India 

on transactions between Rs.400 and Rs.1,00,000​​​​​​​.

Welcome Benefit

Enjoy a welcome benefit of 12,500 reward points upon fee realization and card activation.

Renewal Offer

  • Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year,
  • Renewal benefit 12,500 Reward Points* upon fee realization and card activation.

Insurance/Comprehensive protection

Access an Accidental Air Death cover worth Rs. 3 Crore, an emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency, and a Credit Shield Cover for up to 9 lakhs.

Reward Point/CashBack

  • Earn 5 Reward Points on every Rs.150 retail* spends including Insurance, Utilities and Education​,
  • Earn up to 10 times Reward Points* on your travel and shopping spends on Smartbuy.

Fees and Taxes 

  • Joining Charge: ₹12500 + GST = ₹14750,
  • Renewal Charge: ₹12500 + GST = ₹14750.

Eligibility Criteria

This card is an  Invite Only card. But, if you match the following criteria, you can still apply:

  • Indian Resident,
  • ₹45L ITR (Salaried/Self Employed),
  • Existing HDFC credit card with a minimum of ₹8L limit or very high spends,
  • High NRV with HDFC Bank (>₹30 Lakh),
  • Having exposure to other HDFC products,
  • Other bank credit cards with a minimum of ₹10L limit.