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HDFC BANK LTD
HDFC Infinia Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Original plastic version of HDFC's flagship credit card offering premium benefits for high net-worth individuals
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Premium design
Highlight 2
Unlimited airport lounge access
Highlight 3
Fuel surcharge waiver capped at ₹1,000 per billing cycle
Highlight 4
Lower foreign currency markup fee of 2%
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹10,000
The front-loaded charge when you apply.
Annual fee
₹10,000
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹10,00054% Offset
Earns back 54% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Free lounge access at certain airports"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Travel-focused card with good lounge access benefits but lacks premium travel benefits of higher-tier cards; consider newer alternatives with better travel perks"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Base Rate: 1% back as NeuCoins on all other Non-UPI spends
- RP to Rupees: 1 RP = ₹0.50
- Accelerated Rewards Program: 10x reward points on amount spent on Swiggy, Amazon, Reliance Smart Super Store, Flipkart, and Big Basket
- Travel (Hotels & Other): Free lounge access at certain airports
Cons
- Welcome Offer: 500 welcome Cash Points with payment of membership fee
- Movie/Entertainment: NA
- Waive off condition: ₹12L annual spend
- Fuel Surcharge: 1% waiver
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