HDFC Infinia
HDFC Bank · Mastercard — Invite-only ultra-premium card with top-tier rewards and lounges.
Last Updated: 2026-07-16
Annual Fee
₹12500
Joining Fee
₹12500
Forex Markup
2%
Reward Type
points
Overview
Invite-only ultra-premium card with top-tier rewards and lounges.
High-value Reward Points + unlimited lounges (policy)
Features & Benefits
- Welcome: High welcome RP
- Milestones: Premium milestone vouchers
- Lounge: Unlimited / high lounge entitlement
- Railway lounge: Yes
- Golf: Yes
- Insurance: Comprehensive travel insurance
- Concierge: Premium concierge
- Fuel: Yes
- Dining: Top dining partners
- Movies: Premium entertainment
- Travel: Excellent travel redemption
- EMI: Yes
Reward Structure
| Category | Reward % | Notes |
|---|---|---|
| Online Shopping | 5% | — |
| Grocery | 3.3% | — |
| Dining | 5% | — |
| Fuel | 3.3% | — |
| Travel | 5% | — |
| Utility Bills | 3.3% | — |
| Entertainment | 3.3% | — |
| UPI | Excluded | — |
| Insurance | 3.3% | — |
| Rent (Optional) | Excluded | — |
Excluded: Rent, Wallet loads
Fees & Charges
- Renewal waiver: Spend-based waiver
- Interest: ~3.6% per month
- Cash advance: 2.5%
- Late fee: As per HDFC
- Over-limit: As per HDFC
Eligibility
- Credit score: 780+
- Min income: ₹2,50,000/mo
- Employment: both
- Age: 21–65
Pros
- ✓ Best-in-class rewards
- ✓ Lounge & golf
- ✓ Strong travel value
Cons
- • Invite / high income
- • High fee
- • Overkill for low spenders
About HDFC Infinia
Credit-card detail or category comparison to match rewards with your spending.
How it works
Scan fees, rewards and eligibility, then compare against alternatives on the cards hub.
Practical tips
Check milestone and welcome benefit timelines before you switch.
Important to know
Issuer terms change — verify on the bank site.
Frequently Asked Questions
- What are the key benefits of HDFC Infinia?
- Invite-only ultra-premium card with top-tier rewards and lounges. Highlights: High-value Reward Points + unlimited lounges (policy). Lounge: Unlimited / high lounge entitlement.
- What is the annual fee for HDFC Infinia?
- Joining fee ₹12500 and annual fee ₹12500. Waiver: Spend-based waiver.
- Who is eligible for HDFC Infinia?
- Typical guide: credit score 780+, income from ₹2,50,000/mo, age 21–65, employment: both. Final approval is with the issuer.
- Does HDFC Infinia have forex markup?
- Indicative forex markup is 2%. Always confirm current markup on the issuer site.
- How do I apply for HDFC Infinia?
- Use the official apply link on this page and complete KYC with the issuer. EnrichReturns does not process applications.