HDFC Infinia Credit Card

A super-premium card, the HDFC Bank Infinia Credit Card Metal Edition is exclusively available by invitation to a restricted group of consumers. This credit card offers perks in a variety of categories, including travel, rewards, shopping, eating, and more. It is most suitable for people with high incomes. High-spending customers would appreciate HDFC Infinia’s high reward rate.

The Infinia Credit Card is the most expensive item that the HDFC bank offers. Infinia Credit Card was recently reissued by HDFC in the metallic version (the metallic version will now be used for all new card issuances). It is an invite-only card since HDFC is aiming this card towards HNIs (High Net-Worth Individuals) who desire an opulent lifestyle.

The card offers exclusive benefits including round-the-clock concierge assistance, entry to exclusive golf resorts, and enticing dining discounts at some of the best restaurant chains in the nation. This card competes directly with the ICICI Bank Emeralde Credit Card, Citibank Prestige Card, and Standard Chartered Ultimate Credit Card thanks to all of its perks.

With this card, HDFC offers a cheaper foreign exchange rate of 2% and a complimentary membership to the Priority Pass programme, taking into account the demands of its premium customers who frequently travel abroad. With the Reward Points-based HDFC Infinia Metal card, you receive 5 Reward Points for every Rs. 150 you spend. Even though the annual membership fee for this card is a little on the high side at Rs. 12,500, it is most definitely worthwhile and might be your preferred card if you have a stable financial situation and won’t compromise on your lifestyle requirements.

Fees And Charges Of HDFC Infinia Credit Card

Type of Charge	Amount
Joining fee	Rs.12,500
Renewal fee	Rs.5,000
Minimum repayment amount	5% or a maximum of Rs.200
Cash withdrawal fee	2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit	40% of the credit limit
Rewards redemption fee	Rs.99
Add-on cards charges	NIL
Foreign currency mark-up fee	2%
Late payment charges	Less than Rs.100 – NilRs.100 to Rs.500 – Rs.100Rs.501 to Rs.5,000 – Rs.500Rs.5,001 to Rs.10,000 – Rs.600Rs.10,001 and 25,000 – Rs.800Rs.25,000 to Rs.50,000 – Rs.1,100Over Rs.50,000 – Rs.1,300
Over limit charges	2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee	Rs.100 per transaction
Payment return charges	2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges	Rs.100 per instance
Duplicate statement	Rs.10

Features And Benefits Of HDFC Infinia Credit Card

The most special and high-end card provided by the issuer is the Infinia Card, which is issued by HDFC Bank. This credit card grants outstanding benefits on a variety of topics, including dining, travel, insurance, and many other things. The HDFC Infinia Metal credit card’s characteristics and advantages are described in detail below:

Welcome Benefits

• As a welcome gift, HDFC provides you with a free one-year membership to Club Marriott, as part of which you can use this card to receive discounts of up to 20% on restaurant bills for a total of 10 guests as well as 20% off the lowest possible rate at taking part Marriott hotels in India and on the weekend rates throughout the Asia Pacific.
• After successfully paying the registration fee, you also receive 12,500 bonus points for loyalty as part of your welcome package.

Travel Benefits

Benefit	Description
Airport Lounge Access	For primary and add-on Infinia cardholders, get unrestricted free access to domestic and international lounges across the world with Priority Pass membership. Always keep your Priority pass card on you to use the free lounge access, and the lounge personnel will want to see it. Please keep in mind that the Priority Pass will charge USD 27 (plus applicable taxes) for each visit and for each visitor. You receive unlimited free lounge access if you use the lounge advantage offered by the Infinia Credit Card Lounge Access Programme. (Visa cardholders will be charged a fee for each transaction)
Club Marriott Membership	Additionally, you receive a one-year membership to the Club Marriott reward programme, giving you access to a 20% discount on the best rates at some of India’s most opulent hotels as well as on weekend prices around the Asia Pacific.
ITC Hotels Complimentary Stay Benefits	When you book a 2-night stay, you’ll receive a free night at one of our partner ITC hotels. With the HDFC Bank Infinia credit card, guests at participating ITC Hotels can stay three nights for the price of two. Only those who make reservations in advance are eligible for this deal. Click here to take advantage of it.

Flight Bookings

The HDFC Bank Infinia Credit Cardholders’ Reward Points earned on their credit card can be used to book flights using the HDFC Bank Smartbuy platform. For use in lieu of a flight reservation, 1 reward point is worth Re. In addition to this, you can find amazing offers and discounts.

Dining Benefits

Club Mariott Membership

With the INFINIA Credit Card Metal Edition, you can benefit from a free Club Mariott membership for the first year. With this, you are qualified to take advantage of the following benefits:

• Get discounts of up to 20% on food and beverage costs at renowned eateries.
• Get up to 15% off at particular hotels, with a limit of 10 people.
• Take advantage of 20% off the Best Available Rates for accommodations at partnering Marriott hotels in India and on weekends rates around Asia Pacific.
• Between Monday and Friday, receive 20% off Spa services at specific partnering Marriott hotels in India.
• Apply for membership through the Club Marriott South Asia App, where you may verify your mobile number and email address and enter the membership number to generate your login information. Then, open your Membership to gain access to a number of Marriott hotel features.

Good Food Trail Programme

Enjoy a variety of additional dining advantages through the Good Food Trail program , which includes a complimentary one-year subscription to Dineout. The Dineout Passport has the following advantages:

• A guaranteed 25% discount at more than 2000 upscale eateries.
• 200+ restaurants provide the 1+1 buffet.
• 1+1 meals and beverages at particular establishments.
• On special days like Valentine’s Day, Christmas Eve, and New Year’s Day, these discounts will not be available. Additionally, only the principal cardholder is eligible for the Dineout passport membership perks.

ITC Complimentary Buffet

With the HDFC Bank INFINIA Credit Card, take advantage of special discounts on travel and dining at ITC Hotels.

• With the HDFC Bank Infinia Credit Card, you can receive a 1+1 complimentary buffet at selected ITC Hotels (one bonus buffet per booking and one reservation per month). Obtaining this deal To make a reservation, contact HDFC INFINIA’s 24 hour concierge service.

Golf Privileges

Golf games are unlimitedly free with the INFINIA Credit Card at top Indian golf courses and a few other venues throughout the globe.

Each golf session lasts for a minimum of 30 minutes and includes the following:

• Green fees for using the driving range or golf course.

• Fees for instructors
• 50 golf balls are ranged per lesson.

Additionally, take advantage of the advantages of Unlimited Free Golf Coaching at Selected Courses Across India. You must reserve your slot through the HDFC INFINIA 24-7 concierge services in order to take advantage of this offer.

Insurance Benefits

Category	Insurance Coverage
Accidental air death	Rs. 3 crores
Medical emergency cover	Up to Rs. 50 lakhs
Credit shield	Rs. 9 lakhs
Credit liability	Rs. 9 lakhs

Fuel Surcharge Waiver

All fuel purchases made with the HDFC Bank Infinia credit card between Rs. 400 and Rs. 1,00,000 are exempt from the 1% fuel surcharge (the maximum waiver is Rs. 1,000 per month). Please be aware that no purchases made at petrol stations will earn you any RPs.

Spend-Based Renewal Fee Waiver

If Rs. 10,00,000 was spent on your card the year prior, the renewal cost of Rs. 12,500 is waived.

HDFC Infinia Concierge Services

Additionally, the HDFC Infinia Credit Card provides 24 hour concierge services, including some of the following:

• Golf Schedule
• Assistance with a private meal
• VIP services at airports
• Arranging an itinerary and making reservations
• International delivery of gifts
• Planning an event and recommendations

Interest- Free Credit Period

On the HDFC Bank Infinia Credit Card Metal Edition from the date of purchase, there is an interest-free period of up to 50 days.

Low Foreign Currency Markup

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

Infinia Credit Card Security

Accidental death: The cardholder is entitled to a maximum of 3 crore in air death coverage.
Medical emergency: Your medical coverage’s maximum amount is 50 lakhs. Therefore, you can pay your bills if you need medical attention while abroad.
Credit protection The remaining balance on the card is protected up to a maximum of 9 lakh in the event of death or permanent complete incapacity. As a result, you need not worry about making payments.
Liability for Lost Cards: 9 lakh rupees for the main cardholder in the event of credit card theft. But for this, you must file a report of card loss or theft. After you do that, the bank will keep a record of it. This will assist you in receiving the insurance funds later.
Note – Don’t forget to add or update the HDFC Credit Card nominee.

HDFC Infinia Rewards

• You receive 5 Reward Points for every Rs. 150 you spend with the Infinia HDFC card (excluding fuel purchases).
• On the SmartBuy platform, you can earn accelerated reward points (RPs) for spending money on travel and shopping (10x RPs for booking a bus, hotel, or airline through Cleartrip and EasemyTrip, Redbus, and Apple Imagine, and 3x points for buying on Flipkart and for rail tickets).
• The maximum monthly amount of accelerated Rewards you can earn with Infinia is 15,000 points.
• Fuel, rent, property maintenance, government expenditures, EasyEMI, and e-wallet reloading transactions are examples of transactions that are not eligible for RPs.

The Infinia Metal Edition Credit Card, one of the best Rewards Credit Cards in the nation, gives you Rewards Points that can be redeemed for gift cards, hotel reservations, and airline tickets as well as applied to the statement balance of the card (as is covered in more detail in the next section).

HDFC Infinia Reward Redemption

• The Infinia HDFC credit card rewards can be redeemed online or through net banking on HDFC’s SmartBuy platform.
• On SmartBuy, the RPs may be redeemed for things like hotel/flight reservations, DTH recharges, and more (1 RP = Re.
• Through Netbanking, Reward Points can also be changed into AirMiles (1 RP = 1 AirMile).
• Additionally, you can use your RPs (1 RP = Rs. 0.50) to make purchases of goods and gift cards on SmartBuy or through Netbanking.
• On SmartBuy, reward points can also be used to purchase Tanishq and Apple gift cards (1 RP = Re.
• You can also receive cashback from the RPs, which can be applied to your card’s statement balance. However, in this instance, the redemption rate is smaller (1 RP = 0.30 Rs.).
• t should be noted that only 70% of the total payment for Apple and Tanishq gift cards, as well as reservations for flights and hotels, can be made using RPs.
• The maximum number of reward points that can be redeemed every month on Smartbuy for hotel and flight bookings is 1,50,000 RPs.
• Tanishq voucher redemption of reward points on Smartbuy is limited to 50,000 RPs per month.
• The Infinia Credit Card’s reward point transfer programme recently gained 14 additional partners. British Airways, Etihad Airways, Vietnam Airlines, and a number of other airlines are among these partners. Through the Rewards360 platform, you may exchange your earned points at the following rates for miles or loyalty points from these merchants:

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

REDEMPTION VALUE FOR 1 REWARD POINT	HDFC BANK INFINIA
Smartbuy (Flights/Hotels)	Rs 1
Tanishq Vouchers	Rs 1 (70% by points, 30% by card)
Apple Products	Rs 1 (70% by points, 30% by card)
Airmiles	0.5 to 1 Airmiles
Rewards Catalogue (Including Vouchers)	20 paise to 50 paise (70% by points, 30% by card)
Cashback	30 paise

HDFC Infinia Credit Card Limit

Generally speaking, the HDFC Infinia Metal Edition Credit Card has an 8 lakh rupee minimum credit limit. However, it could change based on a person’s income, credit history, or payment history.

The card also features a No-Pre set limit option, which you may use by contacting HDFC Infinia customer service, who will then temporarily raise your credit limit. The only HDFC credit card having this special feature—a No Pre-set credit card that lets you spend whichever much you need—is the Infinia Card.

How to Redeem Reward Points Earned On HDFC Infinia Credit Card?

Rewards points can be redeemed both offline and online. Visit the website to obtain the reward points conversion form if you want to do it offline. The completed form should be delivered to the following address:

Rewards Helpdesk,

HDFC Bank Cards Division,

P.O. Box No. 8654,

Thiruvanmiyur, P.O.,

Chennai – 600041.

Here are the actions that must be taken in order to redeem reward points online:

• Log into the online banking for your HDFC credit card.
• The ‘Credit Cards’ tab can be selected.
• Your credit card will need to be registered.
• After doing so, select “Redeem reward points.”
• Click “Continue” after choosing your card.
• You will be taken to a separate page by the website.
• From the variety of categories, choose your “point range” and “item category.”
• The things you want to buy will be added to your shopping cart when you click on them.
• Once finished, check the products by selecting the ‘view shopping cart’ option.
• To demonstrate that you have read the terms and conditions, tick the appropriate box.
• ‘Redeem’ should be clicked, then you should submit.

HDFC Infinia SmartBuy

Customers of HDFC Bank may take advantage of attractive incentives and bargains on SmartBuy, a rewards portal specifically designed for them. When you make purchases with HDFC SmartBuy, you receive expedited reward points on your Infinia Card.

As previously mentioned, you may also use your HDFC Infinia Card reward points that you have accrued on SmartBuy. Additionally, HDFC Bank frequently introduces new credit/debit card offers through the SmartBuy platform. You can check this page frequently to stay informed on all HDFC SmartBuy promotions and offers for Infinia Cards.

10X SmartBuy Rewards

This has always made Infinia appealing. Prior to last year, the prizes were excellent, but they now have a little less value. With the Smartbuy programme provided by HDFC Bank, we may earn up to 10X incentives when we shop. Every calendar month, there is a cap of 15,000 additional reward points. A daily cap of 7500 RP applies as well. Therefore, when doing a high-value transaction, do account for bonus RP restrictions and attempt to split it whenever possible.

HOPPING CATEGORY	REWARDS FOR INFINIA	VALUE FOR INFINIA AS 1RP = RS 1
IGP.com	10X	33%
Flights (Cleartrip and Yatra)	5X	16.5%
Hotels (Cleartrip)	10X	33%
MakeMyTrip (Hotels)	10X	33%
IRCTC	3X	10%
Redbus	5X	16.5%
Instant Voucher	5X	16.5%
Apple Tresor	5X	16.5%
Flipkart	3X	10%

HDFC Bank Infinia Credit Card Review – Smartbuy Rewards

Transfer Partners

Now, Infinia receives a completely new set of transfer partners. A 2:1 ratio is given to Etihad Guest, British Airways, United MileagePlus, and AeroPlan. Thus, two RP equal one mile. The remainder is 1:1.

TRANSFER PARTNER	TRANSFER RATIO RP:MILES
Air Canada – AeroPlan	2:1
Air Asia – airasia rewards	1:1
ALL – Accor Live Limitless	1:1
Avianca LifeMiles	1:1
British Airways Executive Club	2:1
Etihad Guest	2:1
Finnair Plus	1:1
Flying Blue	1:1
Hainan Airlines – Fortune Wings Club	1:1
IHG One Rewards	1:1
Vietnam Airlines – Lotusmiles Program	1:1
Turkish Airlines – Miles&Smiles	1:1
United MileagePlus	2:1
Wyndham Rewards	1:1
Singapore Airlines – KrisFlyer	1:1
Vistara Airlines – Club Vistara	1:1
InterMiles	1:1

HDFC Bank Infinia Credit Card Review – Transfer Partners

Eligibility Criteria To Apply For HDFC Infinia Credit Card

The people who are qualified to submit applications for the HDFC INFINIA metal credit card are listed in the table below:

Residency	The HDFC Bank Infinia credit card is available to both residents and NRIs.
Age	The applicant must be between the ages of 18 and 70.
Add – On Card Age	The add-on cardholder must be at least 15 years old.

Documents Required To Apply For HDFC Infinia Credit Card

• Duly filled credit card application form.
• An extra copy of your Form 60 or PAN card.
• Identity proof such as an Aadhaar card, Passport, or driving license.
• Income documentation, including a copy of your IT returns, your most recent pay slips, and Form 16.
• Address proof such as an Aadhaar card or Passport.
• 2 colored passport size photographs.

How To Apply For An HDFC Infinia Credit Card Online?

By following the instructions listed below, you may submit an application for the HDFC Infinia Metal credit card online through our website:

• Go to the ‘Credit Cards’ tab on the website’s home page.
• Select ‘HDFC’ from the dropdown menu, then press the ‘Apply Now’ button.
• Enter all necessary information, such your name, phone number, email address, employment data, financial information, and so forth.
• Add an OTP to your mobile number to confirm it.
• Our credit cards specialist will give you a call soon to inform you of your eligibility for the HDFC Infinia card and assist you in submitting the credit card application.

Offline procedure: The applicant can stroll into the closest HDFC Bank branch to apply for the HDFC Infinia card if they have all the required documentation. The applicant might be guided through the process by bank representatives.

HDFC Infinia Status

To check HDFC Infinia Status on the the banking institution’s official website, follow these steps:

• It is necessary to click the “Track your Credit Card” button.
• Enter your cell phone number
• After inputting the reference number, form number, or date of birth, you can now enter the captcha.
• Select “Submit” from the menu.

HDFC Infinia Statement

Your registered email receives the HDFC Infinia Statement each month. With this, you will be able to calculate your card usage. Therefore, check the balance owing and pay the bill. You should also be aware that if you don’t pay this bill, interest will accumulate and it will be harder for you to pay it off in the future. Therefore, pay the charge as soon as you can rather than delaying it.

HDFC Infinia Credit Card Bill Payment

In order to have a backup plan in case their primary means of paying their credit card bill doesn’t work, cardholders should always be conscious of more than one or two ways to do so. You can use any of the approaches listed below to pay your HDFC Infinia Credit Card bill:

• Log into your internet banking account with HDFC Bank. Click on “credit card payment” under the “credit card” section.
• You can then continue in the proper manner by inputting all the necessary information.
  Click “Pay” after going to the  HDFC Bank billdesk page and accepting the terms and conditions. Make the payment by entering the necessary information, such as your email address, HDFC Infinia Metal Card number, and the payment amount.
• Additionally, you can use the HDFC bank mobile app to pay your HDFC Infinia Card bill. You can choose to pay your credit card bill in the “Pay” section.
• You can also use your credit card to pay bills using mobile wallet apps like Paytm, PhonePe, and others. On their home pages, there is a credit card payment option that you can use to make a payment.
• You can pay your Infinia Card bill offline by going to your nearby branch and paying with cash or a cheque.

HDFC Infinia Credit Card Activation And PIN Generation

Any of the following techniques can be used to activate the HDFC Bank Infinia Credit Card or to create its PIN:

• Using internet banking, you can quickly generate your credit card PIN. You can generate or modify your credit card’s PIN by logging into your HDFC net banking account and selecting the “Manage Your Card” section.
• You can also use an ATM to generate the PIN for your Infinia Card. Find the option to generate your card’s PIN from the main menu of the ATM closest to you.
• If none of the options mentioned above work to activate your card, you can call HDFC Infinia customer service or write an email to their official address.

HDFC Infinia Login/ Internet Banking

Here are a few actions you can take in order to register your HDFC Infinia Metal Card for internet banking:

• Visit the HDFC Bank’s official website.
• You’ll see a “Ways to Bank” option if you scroll down. Click on “Online Banking” under this.
• Click on “Register Online” under the “Credit Card Net Banking” section to continue.
• Continue providing the necessary information, then hit “submit.”
• After that, your registration for internet banking will be successful.

How To Block HDFC Infinia Credit Card?

You should get your Infinia Credit Card banned right away to prevent any additional loss if you believe it has been lost or stolen by someone, or if some dubious purchases are being made on it. The various methods for blocking your HDFC Infinia Card are as follows:

• Go to the “credit card host listing” area after logging into your HDFC Bank net banking account. There is a choice for blocking your credit card. To block your card, click that, fill out the necessary information, and then click “Continue Blocking.”
• You can also phone the HDFC Bank credit card customer service line and ask the representatives to immediately block your Infinia Card.
• Once everything has been verified, they will ban your card once you provide them a few facts and the justification for doing so. Visit the closest HDFC Bank location and request that the bank staff restrict your credit card as another option. This approach takes a lot of time, thus it should only be used if all other methods have failed to block your card.

Value-back Comparison: HDFC Infinia Vs. Axis Magnus Vs. IndusInd Legend

Category	Amount (INR)	Reward Points on HDFC Infinia	Reward Points on Axis Magnus	Reward Points on IndusInd Legend
Apparel & Accessories	20,000	666	1,200	200
Health & Wellness	15,000	500	900	150
Groceries	15,000	500	900	150
Travel Bookings	20,000	666	1,200	200
Fuel	15,000	500	900	150
Dining & Entertainment	10,000	333	600	100
Miscellaneous	5,000	166	300	50
Total	1,00,000	3,331	6,000	1,000

Cards Similar To HDFC Infinia Credit Card

Benefits	HDFC Infinia Metal Credit Card	HDFC Diners Club Black Credit Card	SBI Elite Credit Card
Annual Fee	Rs. 12,500	Rs. 10,000	Rs. 4,999
Rewards Rate	5 Reward Points on every spend of Rs. 150. 2x RPs on dining at standalone restaurants.	5 Reward Points on every spend of Rs. 150. 2x RPs on weekend dining.	2 Reward Points on every spend of Rs. 100. 5x RPs on groceries, dining, and departmental stores.
Reward Redemption	1 RP = Re. 1 for redemption against flight/hotel bookings via SmaryBuy. 1 RP = Re. 0.5 for redemption against products and gift vouchers on SmartBuy. 1 RP = Re. 0.30 for redemption against cashback.	1 Reward Point = Re. 1 for redemption against flight/hotel bookings, 1 RP = Re. 0.5 for redemption against product catalogue.	1 Reward Point = Re. 0.25 for redemption against products and the card’s outstanding balance.
Additional Benefits	Complimentary Club Marriott membership. Unlimited complimentary access to domestic and international airport lounges. Unlimited Complimentary golf games at leading courses across India and select courses across the world.	Complimentary Club Marriott, Amazon prime, and Zomato Gold membership. Unlimited complimentary domestic and international lounge access. Complimentary rounds of golf every quarter.	Complimentary movie tickets every month. Complimentary domestic and international lounge access every quarter. Get free rounds of golf every calendar month.

Should You Get This Card?

First off, if you are a large spender, you may take full advantage of this card’s rewards and travel-related benefits. You can earn a lot of reward points by charging expensive products to your card. These points have a big return when you decide to use them for vacation.

Second, you might not require a new super-premium credit card if you already have a luxury or super-premium credit card that has a high annual fee and offers the majority of the benefits (rewards, travel, memberships, lounge access, etc.). Observe, assess, and make a decision.

Comparison of ICICI Emeralde Credit Card and HDFC Infinia Credit Card

The key distinctions between the features and lifestyle advantages each of these types of credit cards are shown in the table below.

Basis of Difference	ICICI Emeralde Credit Card	HDFC Infinia Credit Card
Welcome Benefits	The credit card does not offer any welcome bonuses.	– As a welcome gift, this credit card offers a Free Membership to Club Marriott. -Under this membership, take advantage of discounts of up to 20% on eating and lodging throughout Asia-Pacific. -Get a 15% discount at hotels with this membership for up to 10 guests
Travelling Benefits	– Under the Dreamfolks Membership Programme, you have unrestricted access to worldwide airport lounges. -With your ICICI Bank Credit Card, visit any particular lounge at an Indian airport as often as you like. -The Dreamfolks Membership grants unrestricted access to the domestic airport spa. -The bank assesses a 2% international markup charge. -Enjoy a 1% fuel surcharge exemption on fuel purchases.	-The Priority Pass programme offers Unlimited Visits to Airport Lounges in India and Abroad. -On transactions involving foreign currencies, the bank levies a 2% foreign markup fee.
Lifestyle Benefits	– Purchase one ticket, and BookMyShow will give you up to 750 off of a second ticket, up to four times each month. -Receive a free round of golf for every $5000 or more spent on the card during the preceding month, up to a maximum of four rounds per month. -Get concierge service that attends to your needs around-the-clock.	-Play free golf games indefinitely at top courses around the world. For help with your travel, leisure, and professional endeavors, contact Global Concierge Assistance.
Dining Benefits	Take advantage of a least 15% discount on meals at participating restaurants as part of the Culinary Treats Programme.	Enjoy your meal at one of the premium restaurants you’ve chosen.
Reward Points Earnings	-Earn 1 PAYBACK Point for every Rs. 100 spent on utilities and insurance categories. – Earn 4 PAYBACK Points for every Rs. 100 spent on all other retail purchases except fuel.	-Receive 5 reward points for every EUR 150 spent. -Receive 10X Reward Points when using Smartbuy for travel and shopping. -When dining at the chosen restaurants, earn 2X Reward Points.
Insurance Cover and other Benefits	– A 3 crore individual air accident insurance policy. -A Rs. 50000 credit shield. -Up to Rs. 25,000 in baggage insurance. -A Rs. 500 missing travel document insurance policy. -A Rs. 1200 reduction in check-in baggage coverage.	– With this HDFC credit card, you can receive a 3 Crore Insurance Coverage in the event of a fatal air accident. -Have up to 50 Lacs in emergency overseas hospitalization coverage. -Obtain a credit liability insurance coverage of up to 9 lacs.

Fees And Other Charges Of ICICI Emeralde And HDFC Infinia Credit Card

Fees	ICICI Emeralde Credit Card	HDFC Infinia Card
Joining Fees	₹12000 + GST	₹10000 + GST
Renewal Fees	₹12000 + GST	₹10000 + GST
Waiving Off Criteria	Spend ₹15 Lacs in a year and waive off the fees.	Spend ₹8 Lacs in a year and waive off the fees.
Add-on Card Fees	NIL	NIL
Foreign Markup Fees	1.5%	2%

Eligibility Criteria of Both the Cards

ICICI Emeralde Credit Card	HDFC Infinia Credit Card
Net The applicant’s monthly salary must be at least three lacs or the yearly earnings tax returns submitted must total at least thirty lacs in a fiscal year.	Potential consumers of HDFC Bank are invited to apply for the Infinia Credit Cards.

HDFC Infinia Credit Card vs HDFC Millennia Credit Card

Categories	HDFC Infinia Credit Card	HDFC Millennia Credit Card
Joining Fees	Rs. 10,000	Rs.1,000
Editor’s Rating	5	4
Key Features	-You will receive a complimentary Club Marriott membership for a full year, which entitles you to up to 20% off dining and lodging costs throughout the Asia-Pacific area. -Earn 10,000 Reward Points as a Welcome Perk upon Fee Realization You will receive a waiver of the annual membership cost if you spent at least Rs. 8 lakh in the previous calendar year. Benefit from the 10,000 Reward Points for Renewal offer. -Access to airport lounges both inside and outside of India is free and limitless. The owners of add-on priority passes can also take advantage of this benefit. With Priority Pass membership, you can also use the facilities at the chosen lounges’ business centers and for refreshments. -Receive a 1% fuel fee waiver at all Indian petrol stations on purchases between Rs. 400 and Rs. 100,000. -Enjoy 2% as the lowest markup on all transactions involving foreign currencies. -Get unlimited free rounds of golf at prestigious Indian courses and a few more places across the world. Additionally, you’ll receive unrestricted free golf instruction at some Indian golf courses. -Enjoy dining at some of the best restaurants in the best cities as part of the Good Food Trail programme. -Earn 5 Reward Points for every Rs. 150 spent in retail, including rent, insurance, utilities, and education. -Get 10X Reward Points on HDFC SmartBuy travel and retail purchases -Spending on meals will earn 2X Rewards Points. -Credit Shield Cover is available with the Infinia Credit Card for up to 9 lakhs. Reward Level: 3.3% is the default reward rate. Take advantage of the 6.6% Accelerated Reward Rate (2X on Dining, Airvistara, and HDFC Bank Infinia). 33% (10X with limited partners) Get Accelerated Reward Rate	-When you pay your membership fee, you will only be eligible for the Welcome Benefit of 1000 CashPoints. -Spend Rs. 1,00,000 or more during the first year to receive a waiver of the renewal membership charge. -Earn 5% CashBack on every purchase with a monthly CashBack earning cap of Rs. 2,250. -Earn 5% CashBack on purchases made through PayZapp, SmartBuy, and Amazon, Flipkart, Flight & Hotel Bookings (minimum transaction size of Rs. 2000). 2.5% CashBack on every online purchase -All offline purchases and wallet reloads will earn 1% CashBack. -8 complimentary visits to domestic lounges each year -Free domestic airport lounge access every year -Discover the Good Food Trail -Dining programme at upscale eateries in the best cities. -Fuel transactions are exempt from the 1% fuel surcharge (with a minimum transaction of Rs. 400 and a maximum CashBack of Rs. 250 each statement cycle). -From the date of purchase, benefit from a maximum of 50 days of interest-free time. -Report the loss of your HDFC Bank Millennium Credit Card right away to avoid being held responsible for any illegal purchases made with the Credit Card. Reward Level: Please be aware that CashPoints will be used to redeem the CashBack. Redeeming against the balance on the statement: 1 CashPoint is equal to 1 Rupee. Redeeming rewards for travel-related services like flight and hotel reservations and the rewards catalogue at the SmartBuy Rewards Portal: 1 CashPoint equals 30 Rupees. Redeem CashPoints at the following exchange rate: 1 CashPoint = 0.30 Rupees.
Editor’s Review	Pros: This credit card is appropriate for people who travel frequently. Get a 3 crore rupee accidental air death insurance policy. Get emergency overseas hospitalization insurance up to Rs. 50 lakhs in case of an emergency when travelling abroad. Cons: This credit card is appropriate for people with high incomes. This credit card has no monthly or yearly benefits. It’s “invite only” to use this credit card.	Pros: Take advantage of the free MasterCard, Diners Club, and Visa lounge access programme. The HDFC Bank Millennia Credit Card has contactless payment capabilities, enabling quick, easy, and safe payments at retail establishments. Revolving Credit is accessible with a low interest rate. Cons: No golf or coaching events A period of one year from the date of acquisition is the only time the Cash Points are valid. Interest rates are slightly higher than those of the other credit cards; they are 3.49% each month, or 41.88% annually.

HDFC Infinia Credit Card Customer Care

The HDFC Infinia Credit Card customer service line is staffed around-the-clock, including on holidays and Sundays. For any questions or to report a lost card, call their call centres at 61606161 or 6160616 (prefix the STD code). You can also write to and email customerservices.cards@hdfcbank.com with any questions you may have.

Conclusion

Customers of the HDFC Bank Infinia credit card can take advantage of a wide range of perks, including lifestyle benefits like a round-the-clock concierge service, free admission to the top golf courses in the nation, dining and travel benefits like unlimited free lounge access worldwide with Priority Pass membership, the ability to book flights and hotels using reward points, and, of course, the shopping benefit of 5 reward points for every Rs. 150 spent with the card.

It’s safe to conclude that this card meets the needs of practically all consumer kinds in light of all these advantages and privileges. You must of course have a sizable net worth in order to be approved for this card because it is a premium credit card, even though the bank does not make this need apparent in their terms and conditions.

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