HDFC Infinia
HDFC 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 3.33% on all spends with up to 10X acceleration on the SmartBuy portal (capped). Unlimited Priority Pass lounge access, complimentary golf, and Club Marriott membership make this the undisputed king for frequent travellers and luxury spenders. Note: from April 2026, retention requires either ₹18L annual card spend or ₹50L total relationship value with HDFC.
Pros & Cons
Pros
- Best travel rewards in India
- Unlimited Priority Pass lounge access
- Up to 10X on SmartBuy portal (capped)
- Complimentary golf & Club Marriott
Cons
- ₹12,500 annual fee
- Invite-only (no published income criteria)
- Requires ₹18L annual spend or ₹50L total relationship value to retain card (effective Apr 2026)
- 2% forex markup still applies
Fee Details
Live Offers This Week (29)
See all 29 offers →10x reward points at Hotels via SmartBuy
via SmartBuy portal — for Cleartrip, Hotels (MakeMyTrip & Cleartrip), Hotels (SmartBuy)
10x reward points at IGP.com
via SmartBuy portal — for IGP
₹11 cashback on credit card bill payments (non-HDFC cards only) via PayZapp (coupon PZCCBILL)
via PayZapp — use coupon PZCCBILL at checkout
Reward Structure
Lounge Access
Key Highlights
- Unlimited lounge access worldwide
- 3.33% reward rate on all spends
- Up to 10X rewards on SmartBuy (capped)
- Complimentary golf rounds
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