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HDFC Infinia Credit Card (Metal Edition)

The HDFC Infinia Credit Card (Metal Edition) is the epitome of luxury and exclusivity offered by HDFC Bank. This super-premium card is available only to selected customers on an invite-only basis. It caters to High Net-Worth Individuals (HNIs) who desire a lavish lifestyle and unique privileges. With its metallic variant, the card exudes elegance and sophistication. Cardholders can enjoy a wide range of benefits, including 24/7 concierge services, access to premium golf destinations, and attractive dining perks at some of the finest restaurants in the country. The HDFC Infinia Credit Card (Metal Edition) is designed for individuals with high incomes and offers a plethora of rewards in various categories, making it a top choice for heavy-spending customers.

Key Highlights of HDFC Infinia Credit Card Metal Edition

  • It is a contactless Metallic Card.
  • Get complimentary nights and weekend buffet at participating ITC hotels.
  • Get complimentary Club Marriott membership for the first year.
  • Get unlimited airport lounge access globally for Primary as well as Add-on card member.
  • 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.

Features and Benefits of HDFC Infinia Credit Card

  1. Reward Points: Cardholders earn 5 Reward Points for every ₹150 spent on retail purchases, including insurance, utilities, and education.
  2. Golf Privileges: Cardholders can enjoy unlimited complimentary golf games at select courses in India and around the world, along with free coaching at select Indian golf courses.
  3. Good Food Trail Program: Cardholders get additional dining benefits and discounts through the Good Food Trail program.
  4. Renewal Offer: If you spend ₹10 lakhs or more in the preceding 12 months, you can have the renewal membership fee waived off for the next year.
  5. Insurance/Protection: The card offers accidental air death cover, emergency overseas hospitalization coverage, and credit shield cover.
  6. Reward Point/Cashback Redemption: You can redeem your reward points for various options, including flight and hotel bookings, Apple products, airmiles conversion, and cashback.

HDFC Infinia Credit Card Fees and Charges

  1. Joining Fee: Rs. 12,500 + taxes
  2. Renewal Fee: Rs. 12,500 + taxes
  3. Spend based Waiver: Renewal fee waived if you spend Rs. 10 lakh in the previous year.
  4. Rewards Redemption Fee: No fee for redeeming rewards.
  5. Foreign Currency Markup: 2% of the total transaction amount + taxes for foreign transactions.
  6. Interest Rates: 1.99% per month or 23.8% annualized.
  7. Cash Advance Charge: No charge for cash advance, but interest charges apply.
  8. Add-on Card Fee: No fee for additional cards.

HDFC Infinia Credit Card Eligibility

  • Membership for the HDFC Bank Infinia Credit Card is by Invite Only.

Documents Required for HDFC Infinia Credit Card

If you already have an HDFC Bank account, getting the Infinia Credit Card is easier because you’re already their customer. You won’t need to go through a long documentation process. The documents you might need are:

  1. For salaried people: Your latest salary slips.
  2. For self-employed people: The latest audited Income Tax Return (ITR).
  3. If your address has changed, provide an updated address proof.

How to apply for HDFC Infinia Credit Card?

To apply for the HDFC Infinia Credit Card, you have two options:

Offline Procedure:

  • Go to the nearest HDFC Bank branch with all the necessary documents.
  • The bank representatives will guide you through the application process.

Online Procedure:

  • Visit the HDFC Bank website.
  • Go to the credit card section and select the HDFC Infinia Credit Card.
  • Fill in the required KYC and information.
  • Click on submit to apply.
  • Once you complete the online application, the bank will contact you for further verification if you are eligible for the card.

Frequently Asked Questions (FAQs)

1. What is HDFC Infinia Credit Card?

HDFC Infinia Credit Card is a premium credit card offered by HDFC Bank. It is designed for high net worth individuals and comes with a range of exclusive benefits, privileges, and rewards.

2. What are the key features of HDFC Infinia Credit Card?

HDFC Infinia Credit Card offers features such as high credit limit, complimentary lounge access, rewards program, travel benefits, concierge services, and exclusive discounts.

3. How can I apply for HDFC Infinia Credit Card?

You can apply for HDFC Infinia Credit Card online through the HDFC Bank website or by visiting the nearest HDFC Bank branch. The application process may involve submitting necessary documents and meeting eligibility criteria.

4. What are the eligibility criteria for HDFC Infinia Credit Card?

Eligibility criteria may include a high income level, a good credit score, and other factors determined by HDFC Bank. Specific criteria can be obtained from the bank at the time of application.

5. What is the credit limit on HDFC Infinia Credit Card?

The credit limit is determined based on various factors, including your income, credit history, and repayment capacity. HDFC Infinia is known for offering a high credit limit to eligible cardholders.

6. What rewards and benefits come with HDFC Infinia Credit Card?

HDFC Infinia Credit Card offers a comprehensive rewards program, complimentary airport lounge access, travel benefits, concierge services, exclusive discounts on luxury brands, and more. The exact benefits may vary, and it’s advisable to check the latest offerings.

7. Can I redeem reward points earned on HDFC Infinia Credit Card?

Yes, HDFC Infinia Credit Card comes with a rewards program, and you can redeem the accumulated reward points for a variety of options, including travel bookings, merchandise, and vouchers.

8. Are there any annual fees for HDFC Infinia Credit Card?

HDFC Infinia Credit Card typically comes with an annual fee. The exact fee structure can be obtained from the bank, and it’s important to review the terms and conditions.

9. How can I contact HDFC Bank for queries related to Infinia Credit Card?

You can contact HDFC Bank through their customer care helpline, visit a branch in person, or use the online banking portal for any queries related to HDFC Infinia Credit Card.

10. Is HDFC Infinia Credit Card internationally accepted?

Yes, HDFC Infinia Credit Card is generally accepted internationally. It can be used for transactions both in India and abroad, making it a convenient choice for frequent travelers.