HDFC Infinia Credit Card 2025
Save over ₹1,00,000+ every year with unlimited lounges, high rewards, airmiles, golf perks & luxury hotel benefits!
If you travel a lot, spend big on luxury, and want elite perks, the HDFC Infinia Metal Credit Card is India's top super-premium invite-only card!
You get unlimited lounge access worldwide (domestic + international via Priority Pass for primary + add-ons), 5 Reward Points per ₹150 (3.33% return) on all spends including insurance/utilities/education, up to 10X points on SmartBuy travel/shopping, 1:1 airmiles transfer to 20+ airlines/hotels, low 2% forex markup, complimentary Club Marriott (1 year), unlimited golf games, and ₹12,500 fee waived on ₹10 Lakh annual spend.
Reward Points redeem at 1:1 for flights/hotels/Apple/Tanishq via SmartBuy – unbeatable value for high-spenders!
Why This Is India's Best Super-Premium Card in 2025?
Unlimited lounges for primary + add-ons • 3.33% base rewards on everything • 10X on SmartBuy (up to 33% return) • 1:1 airmiles to 20+ partners • 2% forex + 1% cashback via Global Value • Complimentary Club Marriott • Unlimited golf • ₹3 Cr air accident cover.
Best for: Frequent international travelers, high spenders (₹1L+/month), luxury lifestyle lovers, airmiles chasers
Invite-Only Card – ₹12,500 Fee Waived on ₹10 Lakh Annual Spend
Card At a Glance
₹12,500 + GST
₹12,500 + GST (Waived on ₹10L spend)
3.33% Base | Up to 10X on SmartBuy
RP (1 RP = ₹1 on Travel/Apple)
Unlimited Domestic + International
2% (Net 1% with Global Value)
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹12,500 + GST |
| Annual Fee | ₹12,500 + GST (Waived on ₹10 Lakh spend) |
| Welcome Benefit | 12,500 RP on joining + renewal |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST (1% cashback via Global Value) |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹400–₹5,000 txn, max ₹500/month) |
Detailed Reward Rates (2025)
- 5 Reward Points per ₹150 (3.33% return) on all retail spends including insurance, utilities, education
- Up to 10X Reward Points (up to 33% return) on SmartBuy travel, shopping, Apple/Tanishq
- 1:1 Airmiles Transfer to 20+ partners (Air India, Vistara, Marriott, etc.)
- 1 RP = ₹1 on flights/hotels/Apple/Tanishq via SmartBuy | ₹0.50 on other vouchers
- No rewards on fuel, rent, wallet loads, government payments
- Points never expire while card is active
Airport Lounge Access (2025 Rules)
Unlimited domestic lounges for primary + add-on cardholders (Visa/Mastercard network)
Unlimited international lounges via Priority Pass (1,000+ airports worldwide)
No spend requirement • Spa access at select airports • For primary + add-ons
Insurance & Protection Benefits
- ₹3 Crore air accident death cover
- ₹50 Lakh emergency overseas hospitalization
- ₹9 Lakh credit shield insurance
- Zero liability on lost card
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounges worldwide for primary + add-ons | Invite-only (high eligibility: ₹30L+ income) |
| 3.33% base rewards on all spends | High ₹12,500 fee (waive on ₹10L spend) |
| Up to 33% return on SmartBuy travel | No rewards on fuel/rent/wallet |
| 1:1 airmiles + low 2% forex | Devalued in 2025 (capped milestones) |
| Complimentary Club Marriott + unlimited golf | Strict waiver (excludes insurance/fuel) |
| ₹3 Cr insurance + global concierge |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹30 Lakh (invite-only for select customers)
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement (contact HDFC RM)
How to Apply (Invite-Only Process)
- Contact your HDFC Relationship Manager or visit branch for invitation
- Express interest → Get pre-approval based on profile
- Submit PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Metal card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹1 Lakh+ monthly, travel 6+ times/year internationally, and can redeem SmartBuy optimally, Infinia delivers ₹80,000+ value yearly despite high fee – with unlimited lounges, 3.33% rewards & elite perks. India's benchmark super-premium card, but invite-only for HNIs. If eligible, it's a no-brainer!
Frequently Asked Questions (FAQs)
Is Infinia invite-only?
Yes, offered to select HDFC customers with ₹30L+ income & strong relationship.
How to waive the fee?
Spend ₹10 Lakh in previous year (excludes insurance, fuel, gold).
Do points expire?
No, while card is active & in good standing.
Unlimited lounges include add-ons?
Yes, primary + all add-on cardholders get full access worldwide.
What is SmartBuy value?
1 RP = ₹1 on flights/hotels/Apple/Tanishq; up to 10X points (33% return).