HDFC Infinia Credit Card Welcome Benefits:

• 12,500 Reward Points
• Complimentary Club Marriott Membership (first year)
• 20% Dining and Stay Discounts in Asia-Pacific Region

HDFC Infinia Credit Card Reward Points/Cashback:

• 5 Reward Points for every Rs. 150 spent, equivalent to a 3.3% reward rate.
• Exclusive dining privileges and 1 + 1 complimentary buffet at ITC hotels.
• Various redemption options for Reward Points, including flight and hotel bookings, Airmiles, products, vouchers, and cashback.
• Complimentary Priority Pass membership with unlimited airport lounge access.
• Free golf games and coaching at top courses in India and abroad.
• Extensive insurance coverage, including accidental air death, medical emergencies during international travel, and credit shield.
• Zero Liability Protection for fraudulent transactions.
• No rewards on Wallet, Fuel, or EMI spends.

HDFC Infinia Credit Card Reward Point Redemption:

• Redeem Reward Points through SmartBuy or Netbanking.
• Options include statement credit, gift vouchers, travel bookings, and Airmiles.
• No redemption fee.
• Transfer partners: Intermiles, Singapore Airlines, Air Vistara.
• Redeem at 1 RP = Re. 1 for hotel/flight bookings on SmartBuy.
• Convert 1 RP to 1 AirMile via Netbanking.
• Use RPs for products/vouchers (1 RP = Rs. 0.50) or cashback (1 RP = Rs. 0.30).
• Caps on certain redemptions (e.g., 1,50,000 RPs/month for hotel/flight bookings).
• Transfer RPs to partners like British Airways via Rewards360 portal.

Pros of HDFC Infinia Credit Card

• Unlimited lounge access at domestic and select foreign airports.
• Low 2% forex markup fee for international transactions.
• Unlimited complimentary golf games at premier courses in India and globally.
• High rewards rate with 5 Reward Points for every Rs. 150 spent.
• Comprehensive insurance coverage for travel and emergencies.
• Exclusive dining privileges and free Club Marriott membership.
• Zero liability protection against fraudulent transactions.
• Flexible reward point redemption options, including Airmiles and travel bookings.

Cons of HDFC Infinia Credit Card

• The Infinia credit card doesn't offer any annual or monthly perks, which may not justify the high annual fee.
• While there were lifetime free options for this card in the past, the new metal edition Infinia credit card no longer provides these lifetime free benefits, making it less accessible to some potential users.

HDFC Infinia Credit Card Benefits:

The HDFC Infinia Credit Card offers an array of exceptional benefits:

• Unlimited lounge access at domestic and select foreign airports.
• Low 2% forex markup fee for international transactions.
• Unlimited complimentary golf games at premier courses in India and globally.
• High rewards rate with 5 Reward Points for every Rs. 150 spent.
• Comprehensive insurance coverage for travel and emergencies.
• Exclusive dining privileges and free Club Marriott membership.
• Zero liability protection against fraudulent transactions.
• Flexible reward point redemption options, including Airmiles and travel bookings.

HDFC Infinia Credit Card Charges and Fee:

• Joining Fee: Rs. 10,000 + GST
• Renewal Fee: Rs. 10,000 + GST (waived if annual spend exceeds Rs. 8,00,000)
• Interest Rate: Up to 3.49% per month
• Overlimit Fee: Rs. 500
• Cash Advance Fee: 2.5% of the withdrawn amount (min. Rs. 500)
• Late Payment Charges: Rs. 950 (for statement omissions less than Rs. 200) and Rs. 1,100 (for statement omissions exceeding Rs. 200)

Frequently Asked Questions:

1. Is there an income requirement to apply for the HDFC Infinia Credit Card?
   Yes, you need to have a high income to be eligible for this card. The exact income requirement may change, so it's best to check with HDFC for the most current information.
2. What is the annual fee for the HDFC Infinia Credit Card?
   The annual fee for this card is Rs. 10,000 + GST. However, it is waived if your annual spending exceeds Rs. 8,00,000.
3. How do I redeem the reward points earned with this card?
   You can redeem your reward points through SmartBuy or Netbanking. There are various options for redemption, including statement credit, gift vouchers, travel bookings, and Airmiles.
4. Does the HDFC Infinia Credit Card offer any insurance coverage?
   Yes, it offers comprehensive insurance coverage for various situations, including accidental air death, medical emergencies during international travel, and credit shield.