HDFC Infinia Credit Card (Metal)- June 2024

The HDFC Infinia Credit Card is the epitome of excellence for credit card aficionados. This iconic super-premium card from HDFC Bank has remained a leader in India for over a decade. Recently, HDFC introduced the Infinia Metal Edition, a sophisticated metal variant that maintains all its original features.

Overview

• Type: Super Premium Credit Card
• Reward Rate: 3.3% – 33%
• Annual Fee: ₹12,500 + GST
• Best For: Regular spending, lounge access
• USP: 5X/10X Rewards on Smartbuy Spends
• The HDFC Infinia Credit Card boasts an array of benefits, including high reward rates, extensive lounge access, low forex markup fees, and accelerated rewards on Smartbuy purchases, offering returns up to 33% on select spends.

Fees and Benefits

• Joining Fee: ₹12,500 + GST
• Welcome Benefit: 12,500 Points (worth ₹12,500)
• Renewal Fee: ₹12,500 + GST
• Renewal Benefit: 12,500 Points (worth ₹12,500)
• Fee Waiver: Spend ₹10L in a card anniversary year to waive the renewal fee.

Even if you don't meet the ₹10L spend threshold for a fee waiver, the renewal benefits of the HDFC Infinia Credit Card make the annual fee worthwhile, especially compared to other HDFC credit cards like the Diners Black.

Design

HDFC Bank transitioned to a metal variant for Infinia last year. While opinions on the new design are mixed, many prefer the classic plastic version with its elegant golden embossing.

Reward Points

Points are valid for three years, with caps on grocery and insurance spends.

Redemption

Flights and hotels offer the best redemption value for HDFC Infinia Credit Card reward points.

Forex Markup Fee

• Foreign Currency Markup Fee: 2% + GST = 2.36%
• Rewards: 3.3% + 1%
• Net Gain: 4.3% - 2.36% = ~2% gain

The HDFC Infinia Credit Card features a competitive forex markup fee of 2%, with additional benefits through the Global Value Program.

Airport Lounge Access

This benefit also extends to all add-on cardholders.

Golf Benefits

• Complimentary Games/Lessons: Unlimited
• Coverage: 20 domestic / 140 international courses

Other Benefits

• Stay 3 nights, pay for 2 at ITC hotels.
• 1+1 complimentary buffet at ITC hotels.
• Complimentary Club Marriott membership for the first year.
• Fuel surcharge waiver on transactions between ₹400 and ₹1,00,000.

Infinia vs. Infinia Metal

The main distinction between the plastic and metal Infinia cards is the metal form factor, which comes with an additional fee of ₹2,500 and slightly higher eligibility requirements.

Is Infinia Still a Top Choice in 2024?

The HDFC Infinia Credit Card remains a top pick, particularly for those who prefer straightforward redemptions and consistent benefits. While competitors like Axis Magnus and Yes Bank’s Marquee offer high rewards, they frequently devalue benefits, unlike the stable HDFC Infinia.

Source/ Reference- https://www.cardexpert.in/hdfc-bank-infinia-credit-card-review/

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Author - Abhishek Sonawane

Abhishek Sonawane, an MBA graduate from the prestigious Indian Institute of Management Visakhapatnam (IIMV), brings over ten years of experience in the finance domain. His extensive background includes various roles in financial management and strategy, providing him with a comprehensive understanding of the financial landscape. Abhishek’s expertise and dedication to financial education make him an authoritative voice in personal finance, helping readers make informed financial decisions.