HDFC Bank INFINIA Metal Edition Credit Card

HDFC Bank Infinia Credit Card Welcome Benefits:  

• As a Welcome Benefit, HDFC gives you a complimentary Club Marriott membership for one year, as a part of which you get up to 20% off on restaurant bills for a maximum of 10 guests and 20% off on the best available rates at participating Marriott hotels in India and on Weekend Rates in the Asia Pacific with this card.
• Another Welcome Benefit that you get is 12,500 bonus Reward Points after successful realization of the joining fee.

HDFC Bank Infinia Credit Card Rewards:  

• For every Rs. 150 spent using the Infinia HDFC card (except fuel spends), you earn 5 Reward Points.
• You earn accelerated Reward Points on travel and shopping spends on the SmartBuy platform (10x Reward Points for hotel/flight/bus ticket bookings, 5x points on rail tickets and shopping from Amazon, and 3x points on shopping from Flipkart).
• You get 2x Reward Points on dining spends at standalone restaurants (2x RPs capped at 1000 RPs/day, the usual rate of 5 RPs/Rs. 150 applicable thereafter).
• The reward points you earn on insurance categories are capped at 5,000 points per day.
• Transactions like EasyEMI and e-wallet reloading will not be eligible for reward points.

The HDFC Infinia card earns you Reward Points which can be redeemed against shopping vouchers, hotel bookings, and flight tickets, and can be adjusted against the card’s statement balance (as has been discussed in detail in the next section).

Rewards Redemption:  

• The Reward Points earned using the Infinia HDFC credit card can be redeemed on HDFC’s SmartBuy platform or via Netbanking.
• You can redeem the Reward Points against hotel/flight bookings, DTH recharges, etc on SmartBuy (1 RP = Re. 1). For flight/hotel bookings, only 70% of the amount can be paid in the form of reward points.
• Reward Points can also be converted into AirMiles via Netbanking (1 RP = 1 AirMile).
• You can also purchase products and vouchers via Netbanking or on SmartBuy using your Reward Points (1 RP = Rs. 0.50).
• The Reward Points can also earn you cashback (i.e. can be redeemed against the statement balance of the card). The rate of redemption is however lower (1 RP = Rs. 0.30) in this case. It should be noted that for flight and hotel bookings, only 70% of the total payment can be made through the Reward Points.

Travel Benefits:  

• You get unlimited complimentary domestic as well as international lounge access (for primary as well as add-on cardholders) across the globe with the Priority Pass membership.
• If you avail of the lounge benefit under the Visa/MasterCard domestic lounge program, you get a maximum of 4 lounge visits per quarter with the HDFC Infinia Card.
• You also get a 1-year membership of the Club Marriott loyalty program which entitles you to a 20% discount on the best available rates at some of the most luxurious hotels across India and on the Weekend Rates in the Asia Pacific.
• You also get a complimentary one night stay at partner ITC hotels on booking a 2-night stay.

HDFC Bank Infinia Credit Card Dining Benefits:  

The complimentary Club Mariott membership that you get as Welcome Benefit entitles you to a discount of up to 20% on food and beverage bills at the participating restaurants for up to a maximum of 10 guests. Apart from this, you get plenty of other dining benefits under the Good Food Trail program which gives you a complimentary Dineout passport membership for a year. The benefits of the Dineout passport include:

• An assured discount of 25% at 200+ premium restaurants.
• 1+1 buffet at 200+ restaurants.
• 1+1 food/drinks at select restaurants.
• 1+1 buffet on weekends at participating ITC hotels.

These discounts won’t be valid on occasions like New Year’s day/eve, Christmas day/eve, and Valentine’s day.

Insurance Benefits of HDFC Infinia Credit Card:  

Fuel Surcharge Waiver:  

1% fuel surcharge is waived at all fuel stations across the country for transactions between Rs. 400 and Rs. 1,00,000 (maximum waived amount capped at Rs. 1,000 per month). No Reward Points are earned for purchases at fuel stations.

Spend-based Renewal Fee Waiver

The renewal fee of Rs. 10,000 is waived off if Rs. 8,00,000 were spent in the previous year. However, you don’t get the 10,000 bonus Reward Points if the annual fee is waived off.

Low Foreign Currency Markup:

The foreign currency markup for the Infinia credit card is 2% (plus taxes), which is much lower than the usual 3.5% for most other credit cards.

HDFC Infinia Credit Card Eligibility:

The Infinia credit card is an invite-only credit card, so there are no pre-defined criteria of eligibility.

Customer Care:

HDFC’s customer care service is available 24×7 including Sundays and holidays. You can contact their call centers at 61606161 or 6160616 (prefix the STD code) for any queries or report the loss of the card. You can also shoot an email at [email protected].

Conclusion:

HDFC Bank Infinia credit card offers a plethora of benefits to its customers including lifestyle benefits like a 24×7 concierge service, complimentary access to the country’s leading golf destinations, dining and travel benefits like unlimited complimentary lounge access all around the world with the Priority Pass membership, flight/hotel bookings using Reward Points and, obviously, shopping benefit of 5 Reward Points per Rs. 150 spent with the card. Considering all these benefits and privileges, it’s safe to say that this card fits the needs of almost all types of customers. Of course, since it’s a premium credit card, although the bank has not mentioned it explicitly, your net worth must be fairly high to be eligible for this card.

What do you think of this card? We’d love to know your opinion, so feel free to leave a comment. And if you’re an existing cardholder, do let us know about your experience with the card.