HDFC Infinia Credit Card Metal Edition

You'll receive the following introductory perks with your Infinia Credit Card Metal Edition:

• 1. A complimentary one-year Club Marriott membership, providing up to a 20% discount on dining and accommodations throughout the Asia-Pacific region.
• 2. Upon fee payment and card activation for the Infinia Credit Card Metal Edition, you'll receive 12,500 reward points.
• 3. If you obtained your credit card before October 18, 2021, you'll receive 10,000 reward points upon fee payment and card activation.

While The HDFC Infinia Credit Card comes with a substantial annual fee, it more than compensates for it with rewarding benefits. Here are the details:

For credit cards sourced before 18 October 2021-

• You'll receive a renewal benefit of 10,000 reward points* (available only after the membership fee is paid and not applicable when the fee is waived).
• If you spend Rs. 8 lakh or more in the last 12 months, your renewal membership fee for the next year will be waived.

For Infinia Credit Card Metal Edition –

• You'll receive a renewal benefit of 12,500 reward points* (available only after paying the membership fee and not applicable when the fee is waived).
• If you spend Rs. 10 lakh or more in the past 12 months, your renewal membership fee for the next year will be waived.

*Terms and conditions apply

As a super-premium card, HDFC Infinia offers decent rewards on all your purchases. You will earn:

• 5 reward points on every Rs. 150 on retail spends, except for fuel and wallet reload
• 10X reward points on your travel and shopping spends on SmartBuy

Also read: Best Rewards Credit Cards in India

*For calculating benefits on Axis Magnus, we have considered the feature,12 EDGE reward points on every Rs. 200 spent.

While comparing super-premium credit cards, it's important to consider various factors, with reward points being one of them. In the table above, we can see that HDFC Infinia offers better value than IndusInd Legend but falls behind Axis Magnus in terms of rewards. HDFC Infinia cardholders can maximize their value by using SmartBuy for certain types of spending.

However, the choice also depends on how easily you can redeem these reward points and the rate of redemption. HDFC Infinia offers a straightforward redemption rate of 1 RP (Reward Point) for Rs. 1 for flights, hotel bookings, and select premium purchases via SmartBuy. It also offers the same rate for converting points into air miles. In contrast, Axis Bank hasn't provided clear information about the value of reward points when redeemed through a product catalogue. The points transfer ratio for Axis Magnus is 5:4.

The HDFC Infinia Credit Card Metal Edition offers unlimited lounge access and golf games every year, with a wide selection to choose from. Here are the details:

• Unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges under the Priority Pass Program*
• Unlimited complimentary golf games at leading courses across India and selected courses across the world
• Unlimited complimentary golf coaching at selected golf courses across India

Also read: Best Credit Cards with Airport Lounge Access

The HDFC Infinia Credit Card offers a range of additional benefits, including a fuel surcharge waiver, insurance coverage, a low foreign currency markup, and more. Here are some of the card's other advantages:

Below mentioned are the fees and charges applicable to this credit card:

HDFC Infinia is an exclusive invite-only card, and eligibility is determined by the bank based on various criteria. To receive an invitation for this card, you may need to meet one or more of the following criteria:

• Very high annual income
• High relationship value with HDFC Bank and exposure to its multiple products
• Already using a premium card
• Very high limit on existing credit cards

HDFC Infinia is an exclusive invitation-only card, so you can't apply for it. But if you've received an invitation, consider these points:

If you want credit cards with benefits like Infinia, here are some options listed in the table below:

You have two options for applying for this credit card: offline and online. If you prefer the offline method, you can visit the nearest bank branch and complete the application form. Alternatively, for an online application, you can visit the official bank website and fill out the form there.

The foreign currency markup fee for the HDFC Infinia Credit Card Metal Edition is just 2% of the transaction amount, making it one of the lowest fees among credit cards.

The bank determines your credit limit after reviewing your application. They take into account factors such as your credit score, income, repayment capability, and more. You'll receive your credit limit once you've applied for the credit card.

When you receive the credit card kit, it will also include Priority Pass cards for both the primary cardholder and any add-on cardholders. These cards must be presented to access the complimentary services at Priority Pass lounges.

HDFC provides priority customer service exclusively for Infinia cardholders. You can reach them through toll-free numbers at 1800 266 3310 and 1800 102 3310. You can also contact customer care via email at infinia.services@hdfcbank.com.

To check the status of your credit card, visit the bank's official website. Click on the 'Credit Card' section under the 'Products' tab, and then select 'Track your Credit Card Application Status.' Enter your application number, and you'll see your application status displayed on the screen.