HDFC Infinia Credit Card

Following are the HDFC Infinia Credit Card benefits & features:

Following are the key highlights of HDFC Infinia credit card:

• It is a contactless Metallic Card.
• Get complimentary nights and a weekend buffet at participating ITC hotels.
• Get a complimentary Club Marriott membership for the first year.
• Get unlimited airport lounge access globally for Primary as well as Add-on card members.
• 24 X 7 global personal concierge.
• HDFC Infinia card comes with the lowest markup fee of 2% on all foreign currency transactions.
• In the unfortunate event of HDFC Bank Infinia Credit Card loss, you have zero liability on any fraudulent transactions done via your card on reporting it immediately to the bank’s 24-hour call centre. 
• Get up to 50 days of interest-free period from the date of purchase.
• Get the revolving credit benefit on your card at a nominal interest rate. 
• Convert your transactions into EMIs ranging from 6 to 24 months.

• Joining fee: Rs. 12,500 + applicable taxes.
• Renewal fee: Rs. 12,500 + applicable taxes. Waived off on spending Rs. 10 Lakhs or more in the preceding 12 months.
• Priority pass membership: Guest visits will be charged at USD 27 + GST per visit per guest and a transaction fee of Rs. 2 will be charged for complimentary lounge access per visit for Visa cardholders. 
• Revolving credit charges: 1.99% per month (23.88% annually).
• Auto EMI conversion charges: 20% rate of interest & Rs. 99 processing fee. 
• Late payment charges: Up to Rs. 1,300.
• Payment return charges: 2% of the payment amount, minimum Rs. 450.
• Balance transfer processing charges: 1% of the transfer amount or Rs. 250, whichever is higher.
• Railway ticket purchase fee: 1% of the transaction amount + GST.
• Reissuance of lost/ stolen/ damaged card: Rs. 100.
• Outstation cheque processing charges: Rs. 25 to Rs. 50. 
• Foreign currency markup fee: 2% on all foreign currency transactions.
• GST: Goods and Services Tax (GST) will be charged wherever applicable.
• TDS: 2% on total cash withdrawals above Rs. 1 Crore.

You have to meet the following HDFC Infinia credit card eligibility to be eligible for the card:

• HDFC Bank Infinia Credit Card membership is By Invite Only.
• The primary cardholder can either be a resident or a non-resident Indian.
• The applicant should be aged between 18 and 70 years.

Also Read: HDFC Bank Virtual Credit Card

You will be required to submit the following documents to meet the HDFC Infinia credit card eligibility:

• Duly filled and signed application form.
• A copy of PAN Card or Form 60.
• Identity proof like an Aadhaar Card, Passport or Driving License.
• Income proof such as a copy of the latest ITR, latest Salary Slips, and Form 16.
• Address proof like an Aadhaar Card, Passport, etc.
• 2 coloured passport-size photographs.

• Earn 5 HDFC Infinia rewards points on spending every Rs. 150 on retail including insurance, utilities, education, and rent payment.
• Earn up to 10X HDFC Infinia reward points on travel and shopping spends on Smartbuy. 
• You can redeem your Infinia card reward points on Smartbuy or HDFC Netbanking for flights/hotels booking, Apple products, Tanishq vouchers, airmiles, and so on.
• The value of HDFC Infinia credit card reward points value in rupees are as follows:
  • Flight & hotel bookings through Smartbuy 1 RP = Rs. 1.
  • Apple products & Tanishq vouchers via Smartbuy 1RP = Rs. 1.
  • Airmiles conversion via Netbanking 1RP = 1 airmile.
  • Products & vouchers via Netbanking or SmartBuy 1 RP = up to Rs. 0.50.
  • Cashback 1 RP = Rs. 0.30.