HDFC Bank’s Infinia Credit Card, a dream card for every credit card enthusiast, is an evergreen super-premium credit card in India that has stood the test of time. If there is a single credit card that remains relevant even a decade after its launch, it would be HDFC Bank’s Infinia Credit Card.
The bank has recently launched a metal variant of the Infinia, named Infinia Metal Edition, featuring a metal form factor, while all other features remain the same. Here’s everything you need to know about the HDFC Infinia Credit Card in its current form.
Table of Contents
Overview
| Type | Super Premium Credit Card |
| Reward Rate | 3.3% – 33% |
| Annual Fee | 12,500 INR + GST |
| Best for | Regular spends, lounge access |
| USP | 5X/10X Rewards on Smartbuy Spends |
HDFC Bank Infinia Credit Card is a feature-packed credit card offering multiple benefits including a good reward rate, lounge access, low forex markup fee & accelerated rewards on Smartbuy spends that can get you crazy returns, as high as 33% on select spends.
Joining Fees
| Joining / Annual Fee | Rs.12,500+GST |
| Welcome Benefit | 12,500 Points (12,500 INR value) |
| Renewal Fee | Rs.12,500+GST |
| Renewal Benefit | 12,500 Points (12,500 INR value) |
| Renewal Fee Waiver | Spend Rs.10L in the card anniversary year |
The good thing with HDFC Infinia Credit Card as compared to other super premium cards within the bank like Diners Black is that even if you don’t spend 10L a year, you’ll get the renewal benefit for the fee paid, which is good enough for all the benefits it comes with.
Design
Let’s talk about both the old and new designs, as shown in the above image: old(plastic) and new(metal), respectively.
When the bank transitioned to the metal variant a year ago, they introduced a new design, which, in my opinion, was one of the worst decisions ever made.
While designs are subjective, I don’t know anyone who likes the new design. It’s dark and dull, lacking any creative elements.
That being said, their old design is one of the best I’ve ever seen. The golden numbers and name embossed on the card used to look stunningly beautiful, just as you can see above.
Reward Points
| SPEND TYPE | REWARDS | REWARD RATE | MAX. CAP |
|---|---|---|---|
| Regular Spends | 1X 5 RP / 150 INR | 3.3% | 2L RP / Stmt Cycle |
| Hotels (Via Smartbuy) | 10X 50 RP / 150 INR | 33% | 15,000 RP / Shared (Max: 50K INR spend) |
| Flights / eVouchers (Via Smartbuy) | 5X 25 RP / 150 INR | 16.5% | 15,000 RP / Shared (Max: 1.14L INR spend) |
- Points Validity: 3 Years
- RP Capping on Grocery: 2000 RP / Calendar month
- RP Capping on Insurance: 5000 RP / day
- Capping on Smartbuy is on 9X/4X bonus points.
- EMI, Tax, Fuel, Rent & Wallet txns are excluded for Reward Points
- 1% fee on Rent Payments
While flights, hotels, and e-vouchers are popular areas of spends under SmartBuy, you can also earn accelerated 3X/5X/10X rewards on many other categories, as mentioned here.
If you’ve business spends like taxes on which you don’t earn rewards on Infinia, you might explore the newly launched HDFC BizBlack Credit Card as it not only gives you rewards on taxes but also offers attractive bonus points on select business spends.
Not to forget that HDFC Smartbuy T&C keeps changing quite often but have been largely stable in the past year or so.
Redemption
| Redemption Type | Redemption Ratio | MAX. Redemption (Calendar month) |
|---|---|---|
| Flights / Hotels | 1:1 | 1,50,000 RP (Shared Max. Cap) |
| Apple Products | 1:1 | 1,50,000 RP (Shared Max. Cap) |
| Tanishq Vouchers | 1:1 | 50,000 RP (part of 1.5L max cap) |
| Airmiles (airlines/hotels) | 1:1 / 2:1 | 1,50,000 RP (Shared Max. Cap) |
| Products/Vouchers | 1:0.5 | – |
| Cashback | 1:0.3 | – |
- Redemption Rule: 70% from reward points, 30% from Credit Card.
- You get 5X/10X points on the remaining 30% paid on card.
Usually flights & hotels are the best options to redeem HDFC Infinia Credit Card reward points.
For a short time however, airmiles used to be an amazing option as it allows one to transfer points at 1:1 for most partners including Accor/lifemiles. I hope that returns to Infinia or at-least Infinia Reserve in future.
Forex Markup Fee
- Foreign Currency Markup Fee: 2%+GST = 2.36%
- Rewards: 3.3% + 1%
- Net Gain: 4.3% – 2.36% = ~2% (gain)
Just like most other super premium credit cards, HDFC Infinia Credit Card also comes at a discounted forex markup fee of 2%.
And if you activate the Global Value Program you get 1% additional cashback thereby getting you a net 2% gain on forex spends.
Airport Lounge Access
| ACCESS TYPE | VIA | LIMIT | GUEST ACCESS |
|---|---|---|---|
| Domestic Lounge Access | Visa/MC | Unlimited | – |
| International Lounge Access | Priority Pass | Unlimited | – |
The Domestic & International airport Lounge access benefit is not only for the primary cardholder but also extends to all Add-on cardmembers as well.
Not to forget that the Priority Pass on HDFC Infinia is one of the very few cards in the country that can also give complimentary access to domestic lounges. It comes handy at times when other cards are not accepted in select lounges, like Mumbai Arrival lounge or even the new Priority Pass Lounge in Chennai.
Golf Benefit
- Complimentary Games/Lessons: Unlimited
- Coverage: 20 domestic / 140 international Golf Courses
- Only 1 booking can be held at a time
- Min. / Max. Advance Booking Period: 4 Days / 14 Days
The Golf benefit on HDFC Infinia Credit Card is quite decent as it not only covers most golf curses in India but also a good number of International Golf Courses.
Other Benefits
- Stay for 3-nights and pay for two at participating ITC hotels.
- 1+1 complimentary buffet at participating ITC hotels.
- Complimentary Club Marriott membership for first year that offers up to 20% discounts for Dining and stay across Asia – Pacific region
- Fuel Surcharge Waiver: on transactions between Rs.400 and Rs.1,00,000
Infinia vs Infinia Metal
In the above image you can see: Infinia(plastic, old design), Infinia(plastic new design) and Infinia(Metal Edition), respectively
The primary difference between Infinia plastic & metal is it’s metal form factor that comes with an additional fee of 2,500 INR and a slightly higher eligibility requirement. All else remain the same.
If you’re on the plastic Infinia with old design and replace the card, you will get the plastic Infinia with new design as shown above.
If you need the Infinia Metal Edition, You’ll need to request your RM for an upgrade.
Is Infinia good in 2024?
It depends on who’s asking that.
- Airmiles fanatic? Then No!
- Prefer simple redemptions? Then Yes!
Their legendary Smartbuy 10X program is one of the best in the industry which has now become a standard feature across many super premium cards.
However, in 2024 it lacks the wow factor because the competition has been aggressive, like, Axis Magnus Burgundy Credit Card with sky high reward rates on high regular spends and Yes Bank’s Marquee Credit Card that has generous rewards on online spends.
However, the downside with Axis/Yes Bank cards are that they can’t be trusted for a long time as they keep devaluing often, which isn’t the case with HDFC Infinia.
My Experience
I’ve been holding HDFC Infinia Credit Card for well over half a decade and it’s certainly one of the best credit cards out there without a doubt.
While I’ve not been using Infinia much lately because of much higher returns on Axis Magnus, things are getting back to normal and I’ve started using HDFC Infinia again especially when I don’t prefer to look at Axis Bank’s long list of exclusions.
Eligibility
- Fresh Card: ITR: >45L p.a. (or) Imperia/Infiniti banking relationship with ITR close to what’s required.
- Upgrade: >8L Credit Limit with >7.5L spends in last 6 months
Above are the usual ways by which most get their HDFC Infinia Credit Card. Though, there are other ways like getting one through FD, by taking investment products, etc which keeps changing from time to time.
Overall, it’s not that tough to get HDFC Infinia in 2024 compared to how tough it used to be some 5 years ago.
How to Apply?
You may apply online if you’re applying for a fresh card and eligible via ITR route. Otherwise, you may visit the branch and apply with the help of RM/BM.
Bottomline
- Cardexpert Rating: 4.8/5
The HDFC Bank Infinia Credit Card is undoubtedly one of the best credit cards available in the country for wealthy Indians.
From unlimited lounge access for the entire family to attractive rewards, low forex charges and golf benefits, it’s a must-have credit card in your wallet as long as you’re eligible for it.
That said, there is room for improvement, especially for reward seekers who have experienced the mind-blowing value of air miles. So, a 1:1 transfer ratio with points transfer partners like Accor and Aeroplan would be good to have, perhaps on the upcoming HDFC Infinia Reserve.
Thanks Sid for bringing Infinia review, I’m holding it since Aug’2019, upgraded to metal (Complementary) in Oct’21.
But it’s more than 4 years now that no LE happened on the card. 6 months prior to that, LE was 250% in 4 steps.
Also like to add 1 point.
Domestic lounge access is also unlimited with Primary & add-on Priority Pass holders.
From what I see with many cardholders, auto LE stops as soon as you get into the 10L-15L credit limit zone.
Beyond that you would need much more spends to request for LE which I think is fair.
Oh ya, PP for domestic use is one of the wonderful benefit. Updated, thanks. But given the no. of Infinia users these days, I wouldn’t expect it to last long.
When you say that. What’s the count of people holding Infinia. Is it going to be devalued like magnus?
With recent changes, now domestic Longue access is also thru Priority Pass possible. After 1st April, at Ahmedabad airport international terminal, my Infinia master card was not eligible for longue access, but PP was valid. In infina, Domestic and International all Longue can be accessed thru PP without any charges.
Curious, why you upgraded to Metal Sid? Any FYF or so?
I was inclined, didn’t do though, even customer care discouraged. Only concern, if they come up with next variant, will Metal folks be first in line in preference to PVC?
Yes, for all the reasons mentioned.
+
I did the upgrade when plastic came for renewal with fee (as spend for waiver was not met, thanks to Magnus). So essentially I saved 10K in the process by upgrading at the right time. 🙂
Awesome
Jul was renewal, so did the same, ty for the idea 🙂
Cool. 🙂
The super premium card users ( Assuming they are high spenders and have decent net worth) seeks one of the most important aspect when they invest in something, that is reliability and being consistent. That’s where the whole Infinia program succeed because still after some devaluation on the eyes of credit card benefit hunters, for average users, rewards are still good. Whereas other pop up super premium card issuers are whimsical on how to position and hold the status of a card. Users don’t know when the card program will become useless, the whole point of getting the card will feel redundant in few months (read Axis).
Infinia is one of the very few example when a flagship program remains flagship after so many year.
Well said. HDFC is very restrictive in granting infinia.
Hai Sid,
Thank you for the beautiful and simple crisp review, it become a habit to start my day with visiting ur blog for all my doubts. Happy to see the most awaited review on infina metal. Thank you for the insights and always grateful for your admiring efforts.
I am currently hold infina plastic, tata neu infinity and SCB ultimate and SBI simply save and SBI offered me a paid upgrade to Elite. please suggest is it worth taking or not keeping 10lakh annual spend
Glad to know that you’re loving the content. 🙂
SBI Elite is not worth it but SBI Cashback is LOT better. If they can’t upgrade to Cashback, then SimplyClick is relatively better. Pls do have a look at the review and decide.
Thank u
Hi Sid,
Great review post, as usual. Can you elaborate what you mean by “Redgirraffe works differently”. Do we get reward points on property/ rental transactions here? I have the Infinia plastic LTF.
For a long time, RG has been treated as insurance and so earns points, which I believe is intentional because of their strong tie-up and less cases of manufactured spending.
As of last month it seems to be working fine, but I can’t confirm as I don’t use it. The risk is upto the one who uses it, as it might as well attract 1% fee on rent anytime.
I use RG for rent payments but Since last 3 months, the points are not credited.
Nice summary! Has anyone got the metal variant issued as LTF? Currently have the heavily downgraded LTF Regalia with 8L limit. After much deliberation, bank is willing to offer paid Infinia with FYF. Also holding LTF Emeralde (plastic ) with 10L Limit. So except for the 3+% rewards, wondering if it makes any sense to opt for the paid Infinia. Any thoughts?
FYF Infinia works fine for most, mine is FYF as well.
Yes there are a few who have LTF Infinia metal. It requires a solid RM who can pitch your case and get the approval from top mgmt.
But generally those who’re eligible for LTF (high ITR/NRV) can easily spend 10L a year, so there is no point in chasing LTF that hard IMO. 🙂
High spends on existing Hdfc cards certainly help in making the case, ideally in the range of 10Lpa (which is also the fee waiver requirement), and most of the LTF holders are upgrade cases.
Well they maybe able to spend 10l per annum but there us no reason why tgey shouldnt accept LTF,it means they csn chase rewards in other cards while this card is LTF.
I have got LTF metal version after nearly 4 years of try. RM nor my relationship value nor my ITR didn’t help.
Then early last year when their sales team approached my company by offering many benefits (viz. free card basis your College, if we switch to their bank’s acounts etc), despite my salary A/c already with HDFC, went and asked them to elevate my then Regalia. After a bit of hard bargain including despite my College listed in their free card issue, and statement that I am disappointed with their treatment regarding my long pending request for Infina, the sales team responded by taking all my details, and at last in about 6 weeks I was provided with the LTF Infinia Metal card. Even my RM was completely kept in dark all thru the 6 weeks and he was surprised.
Now thanks to their generous reward points, shifted all my expenses and enjoy the 70% free Air tickets.
Great! So your LTF also seems to be an upgrade case, from Regalia to Infinia. Just one doubt, did their offer of free card based on college include Infinia? I only know of diners black under that offer.
Yes they were offering only Diners against certain listed Colleges. But, I did not want to take Diners Black due to limited acceptance in Offline transactions. I insisted on Infinia basis my relationship, ITR to which the college was a minor + point.
Spending limit for emerald is 15 lacs .
Infinia plastic 8 lacs .
Big difference in two .
Sid : I have a 2-year-old kid who will now be charged to access airport lounges. Any workaround to have an add-on card issued for her and thus a PP membership as well?
Get one more card on your name with PP (like Magnus/Marquee or even Regalia Gold) and you can use it for your kid.
Update: Unfortunately it doesn’t work everywhere. So it’s good to hold cards with complimentary guest access.
At international lounges (last week tried at Schipol Amsterdam, Warsaw Poland etc.) they don’t accept if the name on the PP card is not matching with boarding pass. So although I had multiple cards including my wife, we couldn’t get our son (7 years old) using the cards. So ended up adding him as guest so we will get billed for that.
Must be some disgruntled employees or racism at play. Or may be they were over crowded. All good lounges accept this adjustment.
That’s not true. No lounge in Europe or the US will make that adjustment.
Seems to be true in Africa too, no lounges were accepting PP of parent for kid.
Hi Sid,
I have been holding Infinia for over half a decade. Best card till date. I need a help, I had taken this card via FD lien. I have spends of over 10L every year since issue. Any advice, how i can remove the lien, since my usage relationship is very good.
They did it in the past but not sure of latest updates. You may check with RM or escalate to Grievance/PNO to see if they can do anything about it.
How much lien did you put ? I tried many times, but guess my RMs weren’t interested Always got Infinia not possible)
Do you want to recalculate max spent amount for Smartbuy cap of 15,000 bonus points? It should be around 112K for flights and 50K for hotels.
Thanks for the find, just updated accordingly.
Isn’t Diner club black metal edition better as it has quarterly benefits of 10,000?
Yes, but at the cost of acceptance issues.
Infinia has higher Max Cap per month and per day (10000 for Diners black metal against 15000 for Infinia) on reward points limit on Smartbuy.
In general and Once in a while for bigger txn, higher limit helps.
Also on some categories (like Instant Voucher and Apple Imagine Tresor) Infinia gets 5x and DCB gets only 3x.
DCB-M doesn’t offer fuel surcharge waiver… a big no for me to upgrade. (HDFC wanted me to upgrade so badly 😛 )
Its one of the best card still for travelling. I have LTF infinia with goo limit. I am accumulating points just for hotel booking though the options of hotel on smartbuy is less but still good. On my recent trips to Vietnam and then recently Philippines the points came in handy. Best part is unlimited lounge access for primary and addon though i hold Diners Black LTF too a killer combination for lounge access. Yesterday i went to lounge in Singapore at 1:20 AM for 15 minutes as we were hungry and very late in night, the reception person was also laughing as my boarding was at 1:50 AM.
But its a no nonsense card for daily spends and combined with global value program and best forex rates everyone should have it.
How do you get LTF Infinia Prashant.Any tips will be helpful i have limit of 8 L on my DCB
Sid,
Please review on HDFC black metal card also.
Hi Sid,
Amazing review as always, getting a bit confused with regards to the cap on 5X/10X and overall cap, could you please clearly explain the caps
Thanks
The cap is 15,000 bonus RP and that’s excluding 1X of 5X/10X. Hope that helps.
Sir Can you explain in more detail
The cap is 15,000 bonus RP and that’s excluding 1X of 5X/10X. Hope that helps.
Not able to understand exclude part!!!
My understanding 15K RP per month when it’s come Flight and Hotel Transactions on SB portal
Hey Siddharth,
In SmartBuy hotels spend, you wrote “10X 25 RP / 150 INR” it should be “10X 50 RP/ 150 INR”
Great article and hope you are well!
Updated, thank you. 🙂
Hi Sid, I have been holding Infinia card for almost 6-7 years with a limit of ₹19.50Lacs. First I used to get RP on government/Muncipal tax paid through the card but from last year they have stopped giving points on these transactions, can you help on how we can get RP on spends done for government/Muncipal taxes on Infinia.
HDFC Bizblack Card is the solution for income tax payments.
Great at note, I have chance to upgrade to Infinia as my RM confirms that am eligible with FYF.
But am unable to take a decision to move from my current Dinners Club Black LTF.
I felt DCB LTF is worth enough for me instead of loosing LTF. Also the only vary I can see is smart buy cap rest everything is same.
I hope my decision is valid.
You and me in similar boat :). Am infact holding back from taking up LTF infinia , and still continuing with LTF DCB. Indeed smartbuy cap and gyftr vouchers at 5X make Infinia favorable but I rarely use Hdfc for those categories, and almost always hitting the monthly milestone with DCB and 2X weekend dining.
One thing to note, earlier tanishq redemption route used to give 10x on the 30% part you pay using card. But not anymore. Got for Jan bit not for Feb. cc says they stopped from Jan itself! anyone else can comment?
Hi thala..
Hope you are doing well
Last month I used infinia in Kuala Lumpur for gold jewellery purchase however didn’t get any base rewards..MCC code mapped for grocery hence 2k points on grocery received along with GVP benefit of 1k..
I have the invoices
Will the simple complaint to customer care work
Need your support
Please send it to Infinia support. It’s upto the bank to decide, unfortunately.
Exactly the same thing happened to me for a gold coin purchase in Australia. I plan to complain to customer care after checking the next statement where I have paid off the bill.
Hey Siddharth,
I think your numbers are off. 50K spends on hotels concludes 50K * 33% = 16500 RP while the max cap is 15K per month. The cap for hotels should be 45K and for flights should be 90K which is exactly double as the reward rage is exactly halved.
Keep up the good work
Cap is on 4X/9X
I saw this post last month especially maximum 1.14 spends can be done to gets 5x benefits and thus I had spent like 1.132L on my infinia but still got 15k rp. So are you sure about 5x capping?
My bad
good read
There was some talk about GVP being discontinued, is it true?
Is there no rewards on tax at all or just not accelerated like BizBlack? Also any other feature differences from BizBlack except network?
If I decide to get BizBlack for GST and IT payments, is there a limit of the base reward rate (not the 5x multiplier)?
An article on Infinia v/s BizBlack might be good 😅.
i got it activated 2 months back, it is very much active.
They should add never expire points to this card
goes to prove why HDFC is still the master of all cc. simple and reliable. I had diner black during days when there was not limit on 10x. thanks to Sid that I got infinia informed and got it. after significant devaluation of diners I again want to thank Sid n HDFC for a no nonsense premium card.
Any feedback with respect to point conversion as the great Vistara has been removed and even the other hotels like Accor had been downgraded to 0.50 points vs 1:1 points earlier.
Thanks for wonderful article. Ur blogs are always so helpful in making an informed decision. One question if you can help. Is 15k smartbuy points limited across all categories. For e.g if I buy 50k Amazon voucher then that will give me 6.6k bonus points then thus it mean that I can only earn 8.4k points on hotels i.e my hotel spend limit would be only INR 28k?
Regarding the Global Value Program, there’s a joining & renewal fee of Rs 199 + tax.
Max cash back is 1000 per month
I have read that global value program stopped ? How did you get it ?
Do we get extra 1% from general 3.3% What are the major advantages ? is it 1000 points on cashback on credit card statement.
Hi Siddharth,
Great reviews.
I did look around but couldn’t find any detailed review on what card you would now recommend to convert points for international airline miles?
This card you have said “no” and hence wondering what the best card currently would be for international airline miles.
Currently I still use citi premier miles, so was wondering what a good alternative would be.
Thank you.
Thank you
Just got it issued LTF for my boss who is a senior government official.
I got DCb in the year 2019 and in those days for everything we used to get 33%. Made more than 2 lakhs and then comes the devil (Covid) Bank degraded DCB and points . Even though I am HDFC customer from past 14 years plus and my limit is more than 10 Lakhs ,My spends almost comes to 6 lakhs odd .Bank still gives reason that I should spend 7.5 Lakhs. On the other hand regalia users got LTF Infinia during covid lockdown. I got so fed up that i pulled out all my money from preffered to 10k account 🙂 On the other hand my RM insists for 50 Lakh ITR. Biggest con is bank compares DCB with Infinia and says both are equivalent card. If i had regalia then I might have got Infinia is what they say.
it used to be like that earlier. But now infinia is better than DCB and i have both LTF :-).
Ya I know you . You are a very old user of card expert 🙂 I remember you gave me some tips on DCB in 2020 🙂
I was the last guy in 2019 Bank stopped giving dual cards and i missed Infinia since i just received DCB in october 2019.
kindly guide me–i pay around 20 lakhs of life insurance premiums every year but i do not get bany reward points–how to get the rewards on insurance premiums—my second query–if i use priority paass in india-will bank charge me
Hello Sid,
The content and Reviews are very good. Just wanted to know, Have you used “Airport VIP service (meet-and-greet)” for Infinia card if so what is your experience.
Thanks,
Satish G.
It’s not complimentary with Infinia.
Hi Sid, Good article.
If anyone holds primary and add on cards will they get 30K RP in Smartbuy? Or the max is just 15K
Max is 15K.
For the Add-on Cards,
Do we get accelerated reward points for transactions made by the Add-on card on smartbuy/gyftr platform?
Has anyone validated this in a monthly statement?
Hi Sid,
Awaiting your review for HDFC diners black Metal card with 5 lakh credit limit Got this recently after closing my ultimate card. Reversing my mistake of closing the diners black with credit limit of 10.5 lakhs three years ago and opting for the SCB ultimate card. Intending to upgrade to Infinia metal at the earliest.
Does anyone know if we get the standard 3.33% rewards points on bills that we add to autopay?
Thanks
Vikrant
Agreed with most points. But my experience has been mixed:
– smartbuy give 1 Rs. for 1 point which is great, but actually if you look at hotel and flight rates, makemytrip and other partners give more expensive rate on smartbuy compared to their own sites. so you end up paying 20-30% more. Thus the value of smartbuy points comes to 70 or 80 paisa.
– lately conscier service has been horrendous to say the least. had the time i cant even hear what they are saying.
– earlier points transfer was great but now Accor, British airways etc. gives 0.5 miles per point, so that been devalued quite a bit.
Overall, still a good card compared to some others, but its not my primary card anymore.
Hi,
I have HDFC Diners Club Black LTF card. Could you please confirm if I can still receive Infinia Card without letting go of DCB LTF card?
There are mixed responses from HDFC on the above question. While the HDFC Premium customer care confirms that one can have both (though only way to apply is through RM/invitation basis), HDFC Credit card department when approached through the branch denied this possibility of having both Infinia and LTF DCB card.
Thanks in advance,
I have both Diners Black (LTF) and Infinia (With Annual Fees). Just talk to your RM and he will get them. I had 2 HDFC cards since year 2015 which were Regalia and Diners Premium and both LTF. They were eventually upgraded to Infinia which I took as First year free and Diners Black which continues to be LTF
I received the below communication from HDFC Bank today. Does it mean that they expect a minimum spending of 1.5 lacs per month on Infinia going forward? Anyone else got such an email?
“As a valued customer, we are delighted to serve you with the unmatched Infinia experience. We request you to maintain a monthly spend of ₹1.5 Lakh on your Credit Card.”
Infinia restrictions coming up???
I received an email on Infinia benefits with the following text at the end:
We request you to maintain a monthly spend of ₹1.5 Lakh on your credit card.
Anyone else got it? What is happening? What if spends are lower?
Same here, today I also received this message.
As a valued customer, we are delighted to serve you with the unmatched Infinia experience. We request you to maintain a monthly spend of ₹1.5 Lakh on your Credit Card.
Your satisfaction is of utmost priority! For any questions or assistance, please feel free to reach out to us at 18002663310.
Don’t know why they are sending this message.
Last 3 months average card usage and in 3 days it’s was 2.5 lacs and then came this message. WTH
I called and asked, it’s not necessary to maintain any spending requirement. It’s just an advice.
I have been using Infinia and then Infinia Metal Card for a long long time. Is there an upgrade coming?
If these restrictions come, that I need to spend 1.5 lakhs per month then I will forfeit the card. Especially since I am coming close the renewal fees time and if they start these restrictions after I pay the fees I will be super pissed. Similar thing happened with Axis Magnus, as soon as I paid the renewal fees , 2 months after they devalued the card and now it is worthless. What do you say Sid ? Will they put restrictions on Infinia ?
Hi Sid,
Is it not better to use IDFC Wow card with zero forex markup fee than Infinia card ?
Infnia card is now giving one year of Swiggy one membership free to its customers
Just received the email yesterday , however Google put in promotions folders so better all check their 😂
In case of FYF Infinia or, I believe, any other HDFC priced cards, when would be the fee charged and become visible in the statement next year precisely. For eg. If the card got activated on, say 5th Jul, 2024, when would the card holder be able to see the fee entry on the online statement like any other unsettled/unbilled transaction. Will it be 5th Jul, 2025 (on the card anniversary date) or it will be 45 days from the card anniversary date regardless of the bill cycle.
Sid, if yours is FYF would you like to help with this query
Haven’t really put effort on this as equivalent renewal benefit is anyway there. Isn’t Infinia support able to answer this?
Not really. They seem to be pretty confused with their answers :).
Specific to my card, there’s no annual fee date updated on my card as per Infinia support.
Not that I care about it as I chose to get myself upgraded to Infinia Metal regardless of its pricing as equivalent benefit is in place but just curious to know.
Hi. I currently have HDFC Diners Black Metal edition. I am planning to apply for the Infinia Metal edition. Do you have any idea on the conversion ratio of my current reward points if I upgrade to Infinia Metal? Thank you!
1:1
Hi Sid,
I have been a loyal hdfc regalia credit card user for past 9 years or so. Climbing the ladder from regalia first to regalia and then to business regalia. Was hoping for a diners black or inifinia upgrade. My credit limit is close to 12 lakhs. Now they are pushing me to take bizpower credit card fyf. Any ideas on how to push to diners black or infinia?
Hi Sid, all,
I do not see 5X rewards for Amazon buys anymore. Has it been taken off?
No more direct rewards, you have to purchase Amazon shopping vouchers or Amazon pay vouchers and use them for bill payment, shopping etc. However, the quantum of vouchers we can buy are severely limited – 10k for both Apay and shopping
Has the monthly limit Amazon Gift and Shopping vouchers reduced to 10K? Any idea?
Early this month it used was 20k and 22k for Amazon GV and SV respectively.
The onlyway to get points on regular basis was Gytr with amazon pay and voucher and now max limit is 10k and flipkart is 7k is a joke.
With 3% service tax for amazon voucher DCB is waste at this point of time
Funny part is bigbasket 1.5k 🙂
Other than Airport lounge not sure if DCB is still worth
Yes till last month i.e Jul 24 it was 20K, from Aug-24 it is back to 10K.
Use your add on cards to purchase Amazon vouchers. Each add on card carries a limit of 10k Amazon pay + 10k Amazon shopping vouchers. So with one primary and 4 add ons, your quota rises to 50k of each, which should be enough I think
I’ve been doing this for 3 months now
Siddharth,
Can we purchase gift vouchers using add on cards? Previously cards were getting blocked for doing transactions with add on cards.
How to do that. When I try my payzapp to buy it’s not even allowing me to add to the cart.
Can you please explain step by step process.
Doesn’t add on cards share same number? How do you do that.
Addon card comes with a different number now. Also, you will need different PayZapp or smartbuy accounts to buy it.
Since as t&c the voucher limit is for each card number and registered mobile number.
How did you get 4 add on cards? HDFC provides max 3 add on cards.
They give a copy of your primary card as the 4th card.
Hi Sid,
Now that we know Club Vistara points will be migrated to AI Flying Returns, would you recommend transferring Infinia points to Club Vistara to ultimately get them into Flying Returns?
I wouldn’t do that, as getting value closer to 1 INR per point with AI FR is not easy.
But you can always use IndusInd Tiger Card to accumulate CV Points for this reason. However, unfortunately they recently reduced the monthly transfer from 25K to just 5K starting next month!
Hi Sid/everyone,
Now the rent transactions will levy 1% charge. Is this true?
Yes, They have started charging same. I was charged this month while paying the rent using Smartbuy and Redgirrafe.
Can add on cards can be used for domestic lounge? Or only primary card holder can use it for domestic lounge?
Hi Sunil,
Add on card holder can use for domestic lounge using priority pass issued along with the add on card.
I’ve found that add-on cardholders can often utilise their cards to gain access to lounges at major domestic airports.
The HDFC Bank management should think of an alternate name for this card. The name Infinia doesn’t suits it now. A lot of restrictions on spending that can earn 10X oops sorry 5X and 70% limit on reward redemptions it should not be called as Infina 🙂
well said, i asked them about the Infinia card and lady straightaway said 5 lakh monthly limit, clearly, they want to limit their benefits to very few people, and then also they limited the rewards redemption too. No use calling it as Infinia, going further they would definitely limit the redemptions in points too ,i was developing false FOMO about this product and sometime feels unlucky missing it out earlier but, I guess I am better off away from this and stick to Amex.
Limitinia?
HDFC Bank has brought in new and even more stringent criteria for this card. You need to now have 5 L per month salary credit (of 60 L ITR) for Infinia! This makes it nearly impossible for any common people to get this card. Even DCBM needs 2.5 L and laughably Regalia Gold needs 1.5 L salary credit!
This move will massively curb the number of HDFC cards being issued. However, they don’t seem to be worried about losing market share and earnings. It almost looks like HDFC wants to quit the credit cards vertical.
They are trying to cut their losses.Simple.The rewards from these cards are a drag to their bottomline.
HDFC GyFTR has added processing fees for the popular ASV, FK GVs too
2.5% + GST on Flipkart
2.5% + GST on Amazon
Now inifinia is more devalued with this.
NOw its 3% with GST extra . I am feeling the heat with DCB card. Other than airport lounge not sure whether its worth if frequently we are not travelling.
Yeah, that’s true. This is the reason I am thinking of closing this card.
Hi Sid and all others kindly help.I got myself the new hdfc pixel play credit card but i am not able to pay the amount due neither via sbi unipay as it doesnt show this card on my name there,nor through payzapp as it doesnt support payment for this card,cant even see it on hdfc cards app, neither i can fetch its bill on amazon.Via cred also the transaction failed after making the payment .Kindly help me as card due date is fast approaching.
Minimum monthly spends criteria made mandatory for Infinia:-
As a valued customer, we are delighted to serve you with the unmatched Infinia experience. We request you to maintain a monthly spend of ₹1.5 Lakh on your Credit Card.
This was conveyed in June 2024 to some of us & was advisory in nature. See Anujay’s comment of June 18.
Have you received something different now?
guys why is that i am getting no points for Grocery purchase with Diners black card ? I have also noticed that from begining i used to get no points for Dmart . Now I am not getting for any grocery purchase. Some code 5006 is mentioned for Dmart. Any one facing with Infinia too ?
Grocery RP are shown as NIL in the transaction section. For Grocery RP are shown in the Rewards Program Points Summary at the last page of the statement.
Grocery is post on calender month cycle you will get in the next statment.
Friends, just wondering if card holders can use their Infinia credit card and priority pass at the same time and at the same domestic lounge. Will it be considered as 2 distinct swipes as Visa & PP are two different networks and both will be free by the virtue of accesses being unlimited? OR You would get charged for the 2nd swipe?
I had a situation where my spouse (add-on card holder) didn’t carry either of her cards but I chose not to experiment and used other cards for the purpose.
DEVALUATION
The Hdfc INFINIA Credit card Rewards Portal has gone through yet again a massive devaluation, without even acknowledging the customers this time around. The value of the points for redemption towards e-vouchers, has been drastically reduced for most of the vouchers, along with Amazon pay vouchers being totally vanished from the portal to buy against the reward points.
Dont know now, which card to trust anymore, and the customers/users accumulate points having something in mind to use them for, but the bank break that dream by devaluating the card even further.
Is bonus rewards capping per calander month or statement cycle?
Per month
Has the upgrade criteria changed ? is it still 7.5 lakhs in the last six months.. read somewhere it’s 9 Lakhs now