HDFC Bank INFINIA Credit Card Metal Edition

HDFC Infinia Credit Card – Key Highlights

The following are a few of the most important points related to the features of the HDFC Bank Infinia Credit Card:

HDFC Infinia Credit Card Metal Edition Features and Benefits

The Infinia Card issued by the HDFC Bank is the most premium and exclusive card offered by the issuer. This credit card offers some exceptional world-class privileges over different categories including dining, travel, insurance, and many more. Following are detailed information about the features and benefits of the HDFC Infinia Metal credit card:

Welcome Benefits:

• As a Welcome gift, 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 payment of the joining fee.

Travel Benefits:

Flight Bookings

The Smartbuy portal of the HDFC Bank allows the HDFC Bank Infinia Credit Cardholders to book flights using the Reward points they have earned on their credit card. The value of 1 Reward Point for redemption against the flight booking is Re. 1. Other than this, you can get also get exciting discounts and deals.

Dining Benefits:

Club Mariott membership:

Enjoy complimentary Club Mariott membership which you get as welcome Benefit for the first year with the INFINIA Credit Card Metal Edition. With this you are entitled to enjoy the following privileges:

• Get up to 20% off on Food & Beverage bills at top restaurants.
• Get up to 15% at select hotels for a maximum of 10 guests.
• Enjoy 20% off on the Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates in Asia Pacific.
• Get 20% off on Spa services at select participating Marriott hotels in India between Monday and Friday.
• Apply for the membership with Club Marriott South Asia App, where you can enter the Membership Number and verify your Mobile Number and Email to create your login credentials. Then, unlock your Membership to access a range of benefits at Marriott hotels.

Good Food Trail Program:

Enjoy 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 2000+ premium restaurants.
• 1+1 buffet at 200+ restaurants.
• 1+1 food/drinks at select restaurants.

These discounts won’t be valid on occasions like New Year’s day/eve, Christmas day/eve, and Valentine’s day. Also the benefits under the Dineout passport membership are available for the primary cardholder only.

ITC Complimentary Buffet:

Enjoy exclusive offers on Travel and Dining with ITC Hotels on the HDFC Bank INFINIA Credit Card.

• Get 1+1 complimentary buffet at participating ITC Hotels with the HDFC Bank Infinia Credit Card (one complimentary buffet per booking and one booking per month). To avail this offer Call HDFC INFINIA 24×7 concierge services and book your reservation.

Golf Privileges

With INFINIA Credit Card you are entitled to enjoy unlimited Complimentary golf games at leading courses across India and select courses across the world.

Each golf lesson will span a minimum of 30 minutes and will include:
• Green Fees to access the golf course or driving range.
• Cost of instructor’s fees
• Range golf balls at 50 golf balls per lesson.

Also, enjoy the benefit of Unlimited complimentary Golf coaching at select golf courses across India. In order to avail this benefit you need to book your slot through HDFC INFINIA 24×7 concierge services.

Insurance Benefits:

For more information about the insurance benefits of this card, visit the HDFC Bank’s website. All the benefits mentioned above can be availed only after fulfilling the terms and conditions levied by the HDFC Bank, read all terms and conditions carefully.

Fuel Surcharge Waiver:

1% fuel surcharge is waived on all fuel purchases between Rs. 400 and Rs. 1,00,000 at all fuel stations across the country (maximum waiver is capped at Rs. 1,000 every month) done with the HDFC Bank Infinia credit card. Do note that, no RPs can be earned for any purchases at fuel stations.

Spend-based Renewal Fee Waiver:

The renewal fee of Rs. 12,500 is waived for your card if Rs. 10,00,000 have been spent in the previous year.

HDFC Infinia Concierge Services

The HDFC Infinia Credit Card also offers 24*7 concierge services, some of which are as follows:

• Golf Booking
• Private dining assistance
• Airport VIP service
• Itinerary planning and reservation assistance
• International gift delivery
• Event planning and referrals

Low Foreign Currency Markup:

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

HDFC Infinia Rewards

• For every Rs. 150 spent using the Infinia HDFC card (except fuel spends), you earn 5 Reward Points.
• You earn accelerated RPs on travel and shopping spends on the SmartBuy platform (10x RPs for bus/hotel/flight booking through Cleartrip and EasemyTrip, Redbus and on Apple Imagine and 3x points on Flipkart shopping and on Rail Tickets).
• The accelerated Rewards that you can earn with Infinia are capped at 15,000 points per month.
• Transactions like fuel, rent, property management, governments spends, EasyEMI, and e-wallet reloading will not be eligible for RPs.

Being one of the best Rewards Credit Cards in the country, the Infinia metal edition card earns you Reward Points which can be used to buy 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).

HDFC Infinia Reward Redemption:

• The Rewards earned using the Infinia HDFC credit card are redeemable on HDFC’s SmartBuy platform or via Netbanking.
• You can redeem the RPs against hotel/flight bookings, DTH recharges, etc on SmartBuy (1 RP = Re. 1).
• 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 RPs (1 RP = Rs. 0.50).
• Reward Points can also be redeemed against Tanishq and Apple vouchers on SmartBuy (1 RP = Re. 1).
• The RPs 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 and Apple and Tanishq vouchers, only 70% of the total payment can be made through the RPs.
• Reward point redemeption on Smartbuy against hotel and flight bookings are capped at 1,50,000 RPs per month.
• Reward point redemeption on Smartbuy against Tanishq vouchers is capped at 50,000 RPs per month.
• 14 new partners have recently been added to the reward points transfer program of the Infinia Credit Card. These partners include British Airways, Etihad Airways, Vietnam Airlines, and several more. You can redeem your earned points against the miles/loyalty points of these merchants via the Rewards360 portal at the following redemption rates:
  

  1 Reward Point is equivalent to
  Air Canada Aeroplan, British Airways, Etihad Airways, United Mileage Plus	0.5 mile/loyalty points
  AirAsia Rewards, Accor Live Limitless, Avianca LifeMiles, Finnair Plus, Flying Blue, Hainan Airlines Fortune Wings Club, IHG One Reward, Vietnam Airlines Lotusmiles, Turkish Airlines, Wyndham Rewards	1 corresponding mile/loyalty point

HDFC Infinia SmartBuy

SmartBuy is a rewards portal exclusively made for HDFC bank customers where they can avail of exciting offers and deals over different categories. You get accelerated reward points on your Infinia Card when you make purchases via HDFC SmartBuy.

As discussed above, you can also redeem your reward points earned using the HDFC Infinia Card on SmartBuy. Moreover, HDFC Bank keeps launching different offers on its credit/debit cards via the SmartBuy portal. To be updated on all HDFC SmartBuy offers and deals on Infinia Card, you can check this page regularly.

HDFC Infinia Metal Card Fees and Charges

The fees and charges associated with the HDFC Bank Infinia Credit Card are as follows:

• Joining Fee: HDFC Bank charges Rs. 12,500 (plus applicable taxes) as the joining fees for the HDFC Bank Infinia Credit Card.
• Annual Fee: HDFC Bank charges an annual membership fee of Rs. 12,500 (plus applicable taxes) for HDFC Bank Infinia Credit Card.
• Interest Rate: An interest of 1.99% per month (23.8% annually), which is only applicable on the due amount. This is incredibly low as compared to a lot of other credit cards having an interest of 3.5% per month.
• Forex Mark-up Fee: The foreign currency markup fee of the HDFC Infinia Metal Edition Credit Card is 2% of the transaction amount and it is also very low. This fee is applicable when you transact in a different currency using your Infinia Card.
• Cash Advance Charges: The cash advance fee for the Infinia credit card is completely NIL (But the Interest rates are still applicable).

HDFC Infinia Credit Card Eligibility

The Infinia Card is an invite-only credit card, so there are no pre-defined eligibility criteria for this card. However, there are a few basic eligibility requirements that you will need to fulfill if you want to get invited for this card:

• Your age should be above 21 years and below 65 years.
• You should have a stable source of monthly income.
• You should have a very good credit history and an existing relationship with HDFC Bank.

Who Can Get Approved For HDFC Infinia Credit Card Metal Edition?

One can get invited for the HDFC Bank Infinia Credit Card if they already have an HDFC Credit Card, which they have used responsibly with no payment defaults. Other requirements for this card are: an excellent credit score, a high annual income, etc. You should be informed that you can not apply for this credit card, but HDFC Bank itself invites you for this card.

What Are The Documents Needed For HDFC Bank Infinia Credit Card?

As the Infinia Credit Card is only offered to those who are already HDFC Bank customers so there is not a lengthy process of documentation. The documents that might be required for the HDFC Bank Infinia Credit Card are mentioned below:

• Your latest salary slips (for salaried people) or the latest audited ITR (self-employed people).
• Updated address proof (if the address has changed).

HDFC Infinia Credit Card Limit

In general, the HDFC Infinia Metal Edition Credit Card comes with a minimum credit limit of Rs. 8 lakhs. However, it may vary depending on the past payment behavior, credit history, or income of individuals.

The card also has the No-Pre set limit feature and to avail of it, you just need to inform the HDFC Infinia customer care and they increase your credit limit temporarily. The Infinia Card is the only HDFC credit card that comes with this unique feature of a No Pre-set credit card that allows you to spend as much as you need.

HDFC Infinia Credit Card Activation & PIN Generation

To activate the HDFC Bank Infinia Credit Card or to generate its PIN, you can choose any of the below-mentioned methods:

• You can generate your credit card PIN easily via internet banking. Log in to your HDFC net banking account and find an option to generate/change your credit card’s PIN under the section ‘Manage Your Card.’
• Another way to generate the PIN of your Infinia Card is to do it via an ATM. Visit the ATM nearest to you and from the main menu, find an option to generate the PIN of your card.
• If you are unable to activate your card using any of the aforemetioned methods, you can contact HDFC Infinia customer care on call or send a mail to their official email address and they will help you on the same.

HDFC Infinia Credit Card Bill Payment

Credit cardholders should always be aware of more than one or two methods to pay their credit card bill so that if their primary method doesn’t work, they can go with the other. To make your HDFC Infinia Credit Card bill payment, you can follow any of the methods mentioned below:

• Login to your HDFC Bank internet banking account. Under the section ‘credit card,’ click on ‘credit card payment.’ After this, you can proceed further accordingly by entering all the required details.
• Visit the HDFC Bank billdesk page, agree to the terms & conditions and then click on ‘Pay.’ Enter the required details, including your HDFC Infinia Metal Card number, email id, and amount to be paid, and make the payment.
• You can also pay your HDFC Infinia Card bill via the HDFC bank mobile app. Under the section ‘Pay,’ you will have an option to pay your credit card bill.
• The mobile wallet-based apps like Paytm, PhonePe, etc, also give you an option to make the bill payment of your credit card. You can find the option of credit card payment on their home pages and make the payment through it.
• To make your Infinia Card bill payment offline, you can visit your nearest branch and pay the bill via cash or a cheque.

HDFC Infinia Login / Internet Banking

If you want to register your HDFC Infinia Metal Card for internet banking, the following are a few steps that you can follow:

• Visit the official website of the HDFC Bank.
• Scroll down and you will find an option ‘Ways to Bank.’ Under this, click on ‘Online Banking.’
• Now, under the section ‘Credit Card Net Banking,’ click on ‘Register Online.’
• Continue to fill in the required details and submit.
• You will successfully be registered for internet banking after that.

How To Block HDFC Infinia Credit Card?

If you feel that your Infinia Credit Card has been lost/stolen by someone, or some suspicious transactions are being made on it, you should get your card blocked instantly to avoid any further loss. Following are the different ways to block your HDFC Infinia Card:

• Log in to your HDFC Bank net banking account and go to the section ‘credit card host listing.’ You will find an option to block your credit card there. Click on that, enter the required details, reason why you want to block your card, and continue to block.
• You can also call the HDFC Bank credit card customer care and ask the officials to get your Infinia Card blocked as soon as possible. You will have to provide them with a few details and the reason for blocking your card and they will block it once everything is verified.
• Another way to block your credit card is to visit the nearest HDFC Bank branch and ask the bank executives to block your credit card. This method is time-taking and hence it should be preferred only when you are not able to block your card using the above methods.

HDFC Infinia Customer Care

The HDFC Infinia Credit Card 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 write and send your queries to the email id [email protected].

Cards Similar To HDFC Infinia Metal Card

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 on their terms and conditions, your net worth must be fairly high to be eligible for this card.

This was HDFC Infinia Credit Card Review from our side. 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.