Our Verdict
Infinia is an ultra premium credit card that was launched in July 2011 and has gone through a few changes over time. We have covered the latest version of the card in our review. The card is reward-point based and one can even get reward points on paying rent, for insurance and education. It provides unlimited access to golf and airport lounges for frequent travelers and golf enthusiasts.
The reward point system is a little complicated as the value of these reward points differs, unlike cash-back credit cards, but overall one gets the value for their money.
HDFC Infinia Credit Card
Annual Fee
INR 12,500 + 18% GST
Travel Benefit
Complimentary Club Marriott membership for first year
Reward Points
5 Reward Points for every INR 150 spent
Annual Fee
INR 12,500 + 18% GST
Travel Benefit
Complimentary Club Marriott membership for first year
Reward Points
5 Reward Points for every INR 150 spent
- There is no cap on cash reward points
- No cap on airport lounge access (even for a secondary card holder)
- Complimentary nights and weekend buffet at participating ITC Hotels
- Foreign currency markup is 2% (which is around 3.5% in general)
- Unlimited golf privileges
- No pay points back on fuel transaction (fuel here means petrol and diesel)
- Club Marriott membership is only for the first year
- To get the accidental air death cover one will have to purchase the tickets with the help of this credit card only
- No reward point if the fee has not been paid
Features of HDFC Infinia Credit Card
Annual Fee
INR 12,500 + 18% GST
Welcome Benefits:
Complimentary Reward Points : 12,500 reward points are given to the customer first on the activation of the card
Complimentary Club Marriott Membership: This is given for a year, and it offers up to 20% discounts for dining and stay across Asia – Pacific region
Renewal Benefits
12,500 reward points are given to the customer and every year once the annual fee of the previous year is realized.
Fee Redemption
One gets a fee redemption on spending INR 10 lakh from this card, but in that case one will not be getting 12,500 reward points.
Reward Points:
- 5 Reward Points on spending INR 150, on all retail spends including insurance, utilities, education and rent pay
- 10 times Reward Points on travel and shopping spends on SmartBuy.
Reward Points Redemption
These points can be redeemed on SmartBuy or Netbanking.
SmartBuy is a platform that displays offers of various products from different companies in partnership with HDFC Bank for the bank’s customers. Netbanking refers to online banking, which is an electronic payment system used to transfer funds to another bank account or checking the transaction statements, making payments, among other things.
Reward Points can be redeemed for:
- For flight and Hotel Bookings via Smartbuy: 1 RP = INR 1
- For Apple products and Tanishq vouchers via Smartbuy: 1RP = INR 1
- For Airmiles conversion through netbanking: 1RP = 1 air mile
- For Products and Vouchers via Netbanking or SmartBuy: 1 RP = upto INR 0.50
- For Cashback: 1 RP = INR 0.30
Additional Features of HDFC Infinia Credit Card
- Golf Privileges: Unlimited complimentary golf coaching at select golf courses across India and unlimited complimentary golf games at leading courses across India and select courses across the world.
- Zero Cost Liability: In case you lose your Regalia Credit Card and you report it immediately to the company’s 24-hour call center, you have zero liability on any fraudulent transactions made on your credit card as this is covered by insurance.
- Foreign Currency Markup: It is a charge by the credit card company when you make payments in a foreign currency using your card. This markup is 2%, which is comparatively low compared with other cards as it is around 3.5% for other companies.
- Revolving Credit: Revolving balances incur an interest rate of 43.2% annually as of 9/22/2021. This rate is subject to change.
- Concierge: There is always someone available to talk to you on the phone (24/7) regarding your queries.
- Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of INR 400 and INR 100,000.
- Lounge Access: Unlimited lounge access at domestic and select international airports using Priority Pass for primary and add on card holders as well.
- Complimentary nights and weekend buffet at participating ITC hotels
Insurance/ Protection:
- Accidental air death cover of INR 3 crore.
- Emergency overseas hospitalization of INR 50 lakh.
- Credit shield cover of INR 9 lakh.
Eligibility
Membership for this card is by Invite only.
Methodology
We have rated credit cards on the basis of 5 factors:
- Ease of use: Where the system of cashback or reward points is clear to understand and it is easy to use those reward points. We have also taken into consideration caps on getting these reward points.
- Extra Facilities: These include extra benefits provided by a card other than the usual payment making, like airport lounge, welcome benefits, insurance covers, etc.
- Cost of the Card: The annual fee, add-on charges, hidden charges and rebates all make up for this.
- Availability: Is the card accessible to all and if the eligibility criteria is not very difficult to achieve.
- Acceptance: Universal acceptance of the card is a must and is another important factor with the credibility of the issuer.