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INFINIA Credit Card by HDFC Bank

by Kshitiz V Sharma on

The Bottom Line

INFINIA Credit Card
One of the Best in India for High Spenders

5 reward points / 150 on all spends, unlimited lounge and golf course access. 3.33% effective reward yield. Invite only card with high fees.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-18.0%)^ (-7.3%)^ (-1.9%)^ 1.2% 3.3%
Est. Monthly Reward (₹) (905) (730) (390) 605 3,315
All-India Rewards Rank* 371 367 360 88 3
Within Bank Rank* 52 52 51 15 1
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The INFINIA Credit Card from HDFC Bank is an invite-only card that gives a very attractive 3.3% effective reward rate on all spending.

It has a high annual fee of ₹12,500, which is waived on charging more than ₹10 lacs to the card in a year.

The INFINIA also offers a number of other best-in-class benefits such as unlimited global lounge access and unlimited golf games at selected courses in India.

We estimate this card has a net reward yield of 3.3% if you spend more than ₹1 Lacs with the card each month.

That makes INFINIA the best credit card from HDFC Bank for high-spenders and one of the best credit cards in India. If you can get an invite for this card and can comfortably charge ₹1 lacs+ each month you should sign-up for this card.

However, because it is invite-only, it is not our recommended credit card from HDFC Bank despite having the highest net reward yield of all cards from the Bank.

Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.

It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.

If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a yield of 1.9-2.4%.

If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card INFINIA Credit Card Metal Edition In India
Card Type Reward
Reward Features 5 Reward Points / 150 on all spends
Milestone Rewards Nil
Other Rewards – Complimentary nights & buffet at participating ITC hotels icludes 3-nights and pay for two at participating ITC hotels and 1+1 complimentary buffet at participating ITC hotels

– Complimentary Club Marriott membership for first year includes up to 20% discounts for Dining and Stay across Asia – Pacific region

– Unlimited airport lounge access across the globe

– Unlimited Complimentary golf games and Golf coaching at leading courses across India and select courses across the world

– 25% off at 2000+ premium restaurants with Good Food Trail program

– 1+1 on buffet at 200+ restaurants

– 1+1 on Food / Drinks on select restaurants

Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method – Flight and Hotel Bookings via Smartbuy at a value of 1 RP = Rs 1


Fees & Charges

Card INFINIA Credit Card Metal Edition In India
Joining Fee ₹12,500 + Taxes
Annual Fee ₹12,500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹10 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 23.80%
Foreign Currency Markup 2.00%
Cash Advance Charge Nil

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