HDFC Infinia Plastic Credit Card
HDFC Bank
last updated: Oct 27, 2025
₹12,500
₹12,500
2%
1 visits/yr
Contents
HDFC Infinia Plastic Credit Card is a super-premium credit card designed for high-net-worth customers. It offers an industry-leading reward rate, extensive lounge benefits and premium lifestyle privileges. The card is best suited for frequent travellers and heavy spenders seeking concierge services, travel and hotel privileges.
Features of HDFC Infinia Plastic Credit Card which makes it unique
Smart EMI
Convert large purchases into EMIs at checkout
Flexible repayment options
Faster EMI conversion than many competitors
Spend Analyzer
Automatic spend categorization and monthly spend reports
Better budgeting and insights
AI-driven spend breakdown
Rewards Structure of HDFC Infinia Plastic Credit Card
SmartBuy
basePurchases via SmartBuy portal
Highest effective returns when redeemed via SmartBuy
Dining
acceleratedRestaurants and eligible dining merchants
Higher earn on dining transactions
Travel
acceleratedFlight and hotel bookings via bank partners or SmartBuy
Best redemption value on SmartBuy
Shopping
baseAll merchants
Good base earn across spends
Utilities & Education
baseUtility bills and education spends
Rewardable spends include recurring payments
Milestones of HDFC Infinia Plastic Credit Card
Annual Spend Waiver
₹10,00,000 : Renewal fee waiver
High Spender Bonus
₹5,00,000 : Bonus reward points as per bank offers
Fees & Charges of HDFC Infinia Plastic Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Renewal fee waived on ₹10,00,000 annual spend (previous 12 months) or as per bank policy.
Fee Explanation Standard bank fees apply; renewal waiver and welcome benefits follow bank terms and conditions.
Lounge Access Benefits with HDFC Infinia Plastic Credit Card
domestic Lounges
silverVisits per year: 1
Guest access: Yes
Complimentary domestic lounge access; subject to bank communication
international Lounges
silverVisits per year: 0
Guest access: Yes
Access via Priority Pass membership subject to T&Cs
Insurance Coverage with HDFC Infinia Plastic Credit Card
Travel Insurance
Up to ₹3,00,00,000 (varies)Coverage for international travel as per policy terms
Purchase Protection
₹50,000Protection within a limited period after purchase
Additional Features of HDFC Infinia Plastic Credit Card
Contactless Payments
Tap-and-pay enabled for quick transactions
Add-on Cards
Up to 3 free add-on cards for family members
Welcome Bonus with HDFC Infinia Plastic Credit Card
Welcome Bonus: 12,500 reward points
Bonus Conditions: Welcome points credited on activation as per bank T&Cs; joining/renewal fee payment may apply.
Application Process for HDFC Infinia Plastic Credit Card
Processing Time
7-10 business days
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Receive an invite or check eligibility with HDFC Bank
Submit application through bank channel or branch
Upload KYC and income documents
Verification and approval followed by card dispatch
Required Documents for HDFC Infinia Plastic Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Infinia Plastic Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally at Mastercard merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Infinia Plastic Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹500,000
Minimum annual income
Self-Employed Applicants
₹800,000
Minimum annual income
Who Can Apply
Important Conditions
- Card is typically by-invite or subject to HDFC eligibility checks; PAN and Aadhaar required for KYC.
How Approval Is Decided
- Minimum age 21 years
- High income or relationship value with bank
- Strong credit score and completed KYC
Pros of HDFC Infinia Plastic Credit Card
- Very high reward potential via SmartBuy
- Premium lounge privileges and concierge services
- Comprehensive travel insurance and lifestyle benefits
Cons of HDFC Infinia Plastic Credit Card
- High joining and renewal fee
- By-invite or eligibility-based issuance limits wide availability
- Best value only when using SmartBuy/partner channels
Frequently Asked Questions about HDFC Infinia Plastic Credit Card
What is the joining and annual fee for HDFC Infinia Plastic Credit Card?
The joining and renewal fee is ₹12,500 (plus applicable taxes). Fee waivers and renewal benefits apply on meeting annual spend criteria set by the bank.
How many reward points do I get as a welcome bonus?
You earn 12,500 reward points credited to your account on card activation as the welcome benefit (subject to bank terms).
Is lounge access included with the card?
Yes — Infinia provides complimentary domestic lounge access and international access via Priority Pass subject to bank and Priority Pass terms.
What is the foreign currency markup (forex) fee?
The forex markup is typically around 2% on foreign currency transactions; check the bank's Fees & Charges for exact rates.
Who is eligible to apply for this card?
Infinia is typically invite-only or available to high-net-worth customers. Eligibility includes minimum age 21, high income/relationship value and a strong credit score.
How long does the card take to be issued?
Processing and dispatch typically take 7–10 business days after approval; timelines vary by channel and KYC completion.
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