Super Premium
HDFC Infinia
HDFC 8.8
CardTrail Score
Very Good
out of 10
Annual Fee
₹12,500
Spend ₹10L/year
Forex Markup
2%
Reward Rate
3.3%
Up to 10%
Lounge Access
Unlimited
domestic | Unlimited intl
About This Card
The HDFC Infinia is India's most coveted credit card. Invite-only for high-income individuals, it offers the best travel reward rate in the Indian market at 3.3% on all spends with 10X acceleration on the SmartBuy portal. Unlimited Priority Pass lounge access, complimentary golf, and Club Marriott membership make this the undisputed king for frequent travellers and luxury spenders.
Pros & Cons
Pros
- Best travel rewards in India
- Unlimited Priority Pass lounge access
- 10X on SmartBuy portal
- Complimentary golf & Club Marriott
Cons
- ₹12,500 annual fee
- Invite-only / ₹30L+ income
- 2% forex markup still applies
Fee Details
Annual Fee
₹12,500
Joining Fee
₹12,500
Fee Waiver Condition
Spend ₹10L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
3.3%
Max Rate
10%
Currency
Infinia Reward Points
Welcome Bonus
12,500 Reward Points
Lounge Access
Domestic Lounges
Unlimited
International Lounges
Unlimited
Key Highlights
- + Unlimited lounge access worldwide
- + 3.3% reward rate on all spends
- + 10X rewards on SmartBuy
- + Complimentary golf rounds
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Quick Summary
Best For
travel luxury
Annual Fee ₹12,500
Base Reward 3.3%
Max Reward 10%
Forex Markup 2%
Network Visa Infinite
Min Income ₹30L+
CardTrail Score
Best For
travel luxury high spender
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