Features & Benefits of HDFC Infinia Credit Card

Following are the key highlights of HDFC Infinia credit card:

• Get complimentary nights and a weekend buffet at participating ITC hotels.
• Get a complimentary Club Marriott membership for the first year.
• Get unlimited airport lounge access globally for Primary as well as Add-on card members.
• 24 X 7 global personal concierge.
• HDFC Infinia card comes with the lowest markup fee of 2% on all foreign currency transactions.
• In the unfortunate event of HDFC Bank Infinia Credit Card loss, you have zero liability on any fraudulent transactions done via your card on reporting it immediately to the bank’s 24-hour call centre.
• Get up to 50 days of interest-free period from the date of purchase

HDFC Infinia Credit Card Fees & Charges

• Joining fee: Rs. 12,500 + applicable taxes.
• Renewal fee: Rs. 12,500 + applicable taxes. Waived off on spending Rs. 10 Lakhs or more in the preceding 12 months.
• Priority pass membership: Guest visits will be charged at USD 27 + GST per visit per guest and a transaction fee of Rs. 2 will be charged for complimentary lounge access per visit for Visa cardholders.
• Revolving credit charges: 1.99% per month (23.88% annually).
• Auto EMI conversion charges: 20% rate of interest & Rs. 99 processing fee.
• Late payment charges: Up to Rs. 1,300.
• Payment return charges: 2% of the payment amount, minimum Rs. 450.
• Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher.
• Railway ticket purchase fee: 1% of the transaction amount + GST.
• Foreign currency transaction fee: 3.5% of the transaction value.
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Rewards redemption fee: Rs. 99 per redemption request.
• Outstation cheque processing charges: Rs. 25 to Rs. 50.
• Foreign currency markup fee: 2% on all foreign currency transactions
• GST: Goods and Services Tax (GST) will be charged wherever applicable.
• Rent pay transaction fee: 1% fee of transaction amount.
• TDS: 2% on total cash withdrawals above Rs. 1 Crore.

HDFC Infinia Credit Card Eligibility

• HDFC Bank Infinia Credit Card membership is By Invite Only.
• The primary cardholder can either be a resident or a non-resident Indian.
• The applicant should be aged between 18 and 70 years.

HDFC Infinia Credit Card Document Required

• Click on the ‘Credit Cards’ tab on the homepage of our website.
• From the dropdown menu, choose ‘HDFC’ and click on the ‘Apply Now’ button.
• Enter all the required details such as your name, mobile number, email address, employment information, income details, and so on.
• You will get a call from our credit cards expert soon to let you know about your HDFC Infinia card eligibility and help you complete the credit card application process.

HDFC Infinia Card Reward Points

• Earn 5 HDFC Infinia rewards points on spending every Rs. 150 on retail including insurance, utilities, education, and rent payment.
• Earn up to 10X HDFC Infinia reward points on travel and shopping spends on Smartbuy.
• You can redeem your Infinia card reward points on Smartbuy or HDFC Netbanking for flights/hotels booking, Apple products, Tanishq vouchers, airmiles, and so on.
• The value of HDFC Infinia credit card reward points value in rupees are as follows
• Flight & hotel bookings through Smartbuy 1 RP = Rs. 1.
• Apple products & Tanishq vouchers via Smartbuy 1RP = Rs. 1.
• Airmiles conversion via Netbanking 1RP = 1 airmile.
• Products & vouchers via Netbanking or SmartBuy 1 RP = up to Rs. 0.50.
• Cashback 1 RP = Rs. 0.30.