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HDFC Bank
HDFC Bank Infinia Credit Card
4.9Best for travel
Premium
- Joining fee
- ₹12,500
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500
- Forex markup
- 2%
- Interest p.a.
- 23.88%
- Min income
- —
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Travel Up to 10X Reward Points on travel/hotel bookings via SmartBuy (50 RP per ₹150; 1 RP = ₹1 on flights/hotels) => up to ~33% value-back. Subject to monthly SmartBuy RP caps; assumes redemption against travel. | 33% | — | ₹39,600 |
Online shopping Up to 10X Reward Points on select shopping via SmartBuy (e.g. Amazon/Flipkart vouchers) => up to ~33% value-back. Subject to monthly SmartBuy RP caps. | 33% | — | ₹39,600 |
Everything else Base earn: 5 Reward Points per ₹150 spent; 1 RP = ₹1 when redeemed for flights/hotels via SmartBuy => 3.33% effective. | 3.3% | — | ₹3,960 |
| All other spends | 3.3% | — | ₹3,960 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹12,500
Annual fee₹12,500
Annual fee waiverRenewal fee waived on spends of ₹10 lakh or more in the preceding 12 months
Foreign currency markup2%
Finance charge (p.a.)23.88%
Fuel surcharge waiver1%, up to ₹1,000/mo
Key benefits
- Unlimited complimentary domestic and international lounge access via Priority Pass (primary + add-on)
- Complimentary Club Marriott membership (1 year)
- Global Personal Concierge 24x7
- SmartBuy up to 10X Reward Points on travel and shopping
- Comprehensive travel and accident insurance cover
- 3 RP redeem value of ₹1 for products/cashback; ₹1 for flights/hotels via SmartBuy
- Low 2% foreign currency markup
What we like
- +One of the best reward rates in India (3.3% base, up to ~33% via SmartBuy)
- +Unlimited domestic and international lounge access via Priority Pass
- +Low 2% foreign currency markup
- +Premium concierge, Club Marriott and travel insurance benefits
What to watch
- −Invite-only — not openly available
- −High ₹12,500 joining/annual fee
- −₹10 lakh annual spend needed for fee waiver
- −Ongoing programme eligibility now tied to high spend/relationship value (from Apr 2026)
Compare with similar cards
HDFC BankHDFC Bank Diners Club Black Credit Card
- Top reward
- 33.33%
- Annual fee
- ₹10,000
HDFC BankTata Neu Infinity HDFC Bank Credit Card
- Top reward
- 5%
- Annual fee
- ₹1,499
- Welcome bonus
- ₹1,499 value