HDFC Infinia Credit Card – Unlimited Lounge Access & Premium Rewards for High Spenders

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Card Fees

₹10000

Joining Fees

₹10000

Annual Fees

2%

Foreign Transaction Fee

43.2%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-60

Minimum & maximum age criteria

₹3,75,000

Minimum monthly income

750

Minimum credit score

Category

, , ,

Minimum Credit Score Required

750

Annual Charges

₹10000

Features

  • Unlimited global lounge access
  • 5X rewards on dining and hotels
  • Highest credit limit & benefits

Welcome Offer

  • Welcome and Renewal benefit of 10,000 reward points

An ultra-premium card offering unlimited lounge access, luxury rewards, dining, travel benefits, and superior lifestyle privileges.

Written By:

Aftab Memon

Last Updated:

May 7, 2025

Key Features

  • Unlimited complimentary international and domestic lounge access via Priority Pass.
  • 5X Reward Points on dining, hotels, and flight bookings through SmartBuy.
  • 2X Reward Points on other retail spends.
  • Complimentary Club Marriott membership for 1 year.
  • Insurance coverages: Air accidental death cover ₹3 crore.
  • Emergency overseas hospitalization cover ₹50 lakh.
  • Unlimited free golf rounds across top golf courses.
  • Reward redemption across flights, hotels, luxury brands.
  • Concierge services globally.

Benefits

  • Complimentary Club Marriott membership.
  • Personal air accident cover and travel insurance.
  • Premium customer support and dedicated relationship manager.
  • Reward points never expire.
  • Emergency card replacement worldwide.

Fees and Charges

Charge TypeAmount
Joining Fee₹10,000
Annual Fee₹10,000
Foreign Transaction Fee2% + GST on markup value
APR (Interest Rate)3.6% per month (~43.2% annually)
Overlimit Fee2.5% of amount (Minimum ₹550)
Reward Redemption Fee₹99 + GST per redemption

Pro and Cons:

Pros:

  • Unlimited lounge access worldwide.
  • Highest reward rates via SmartBuy.
  • Premium travel and dining privileges.

Cons:

  • High joining and annual fees.
  • Invitation-only card (hard to get).
  • Reward redemption mostly via HDFC portal.

 

How to Apply

Apply Now
  • Click on “Apply Now”
  • Fill in Personal Details
  • Upload Required Documents
  • Submit Application
  • Approval & Card Dispatch

Additional Information

  • Concierge services for travel and lifestyle.
  • 1 Reward Point = ₹1 when booking flights/hotels.
  • -Complimentary golf rounds globally.
  1. Is HDFC Infinia Credit Card lifetime free?
    • No, it has a joining and annual fee of ₹12,500 + GST.
  2.  How do I get invited for HDFC Infinia?
    • Generally offered to high-income customers (₹45-50 lakh+ per annum) or top HDFC customers.
  3. What is the credit limit for Infinia?
    • No pre-set limit, but typically very high (₹10 lakh+ starting).
  4. Do reward points expire?
    • No, HDFC Infinia reward points never expire.
  5.  How many lounge accesses are allowed?
    • Unlimited access to international and domestic lounges.
  6. Can I use Reward Points for flight booking?
    • Yes, full flight tickets can be booked via SmartBuy using points.
  7. Does Infinia offer travel insurance?
    • Yes, it offers ₹3 crore air accident cover and ₹50 lakh medical insurance.

Related finds:

  1. SBI Prime Credit Card – Premium Benefits, Reward Points, and Lounge Access
  2. Axis Bank SELECT Credit Card – Rewards on Food, Grocery & Movies + Lounge Access
  3. HDFC Regalia Gold Credit Card – Travel, Dining & Lounge Benefits Explained [2025 Guide]
  4. AU Zenith Credit Card: Travel and Premium Benefits for 2025

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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