← Part of HDFC Credit Cards in India
The HDFC Infinia Credit Card, a super-premium offering, is consistently ranked among India’s most valuable credit cards, with Pointsmax.in naming IT #1 in 2026. This invitation-only card offers a 1:1 reward redemption ratio across travel and premium purchases, alongside a 2% foreign currency markup fee. From April 1, 2026, cardholders must spend ₹18 lakh annually or maintain a ₹50 lakh relationship value with HDFC Bank to retain the card.
| Parameter | Details |
|---|---|
| Card Type | Super-premium credit card |
| Issuing Bank | HDFC Bank |
| Availability | Invitation-only for select customers |
| Joining Fee | ₹12,500 plus applicable taxes |
| Annual Renewal Fee | ₹12,500 plus applicable taxes (waived on spending ₹10 lakh or more in the preceding 12 months) |
| Annual Retention Requirement (from April 1, 2026) | Spend ₹18 lakh on the card OR maintain a Relationship Value of ₹50 lakh with HDFC Bank (savings, current, and fixed/recurring deposits combined) per financial year |
| Foreign Currency Markup Fee | 2% on foreign currency spending (effective May 21, 2026) |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% on international transactions in INR or transactions in INR with merchants registered overseas (effective May 17, 2026) |
| Reward Points Earning Rate | 5 reward points for every ₹150 spent on most purchases |
| Reward Points Redemption Value | ₹1/point on SmartBuy (for flights, hotels, vouchers); 1:1 ratio for travel booking, air mile conversion, and premium purchases |
| Reward Points Validity | 3 years from the date of accumulation |
| Maximum Contactless Payment (without PIN) | ₹5,000 per single transaction in India |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹1,00,000 at all fuel stations in India (max waiver ₹1,000 per statement cycle) |
| Interest-Free Period | Up to 50 days from the day of purchase |
| Air Accident Death Cover | ₹3 Crore |
| Emergency Overseas Hospitalization Cover | ₹50 lakhs |
| Credit Shield Insurance Cover | ₹9 lakhs |
| Airport Lounge Access | Unlimited complimentary access across India and internationally for primary and add-on cardholders (via Priority Pass for 1,000+ lounges) |
| Dining Benefits | Up to 15% discount at 3,000+ participating restaurants; 20% off food and beverage at Marriott Hotels; 10% extra discount via Good Food Trail Program (35,000+ restaurants) |
| Golf Benefits | Unlimited free golf games at 20+ prestigious courses in India and 100+ international courses; unlimited free golf instruction at select Indian courses |
| Marriott Benefits (Metal Edition) | Free Club Marriott membership for 1st year (up to 20% off dining/lodging in Asia-Pacific); book 3 nights, pay for 2 at ITC hotels; 1+1 free buffets at ITC hotels |
| Revolving Credit | Available at nominal interest rates (up to 1.99% p.m. Or 23.88% p.a.) |
| Card Reissue Fee | ₹100 for lost or damaged cards |
| Reward Redemption Limit (from May 21, 2026) | 150,000 points per month for flights, hotels, and airmiles; 200,000 points per statement cycle (maximum) |
| Tanishq Voucher Redemption Limit (from Jan 1, 2026) | 50,000 reward points per quarter |
The HDFC Infinia Credit Card continues to offer substantial value, particularly for high-spenders and frequent travelers, despite its revised retention criteria and redemption caps for 2026.
HDFC Infinia Credit Card in India: Types, Categories & Key Components Explained
The HDFC Infinia Credit Card, including its Metal Edition, is a premium offering available by invitation only, targeting high-net-worth individuals in India. IT features a 2% foreign currency markup fee and a 1.75% Dynamic Currency Conversion (DCC) markup fee, effective from May 17, 2026, on international transactions.
| Type/Category | Details | Key Feature |
|---|---|---|
| Card Type | HDFC Bank Infinia Credit Card | Premium credit card for high-net-worth individuals, by invitation only. |
| Card Type | HDFC Bank Infinia Metal Edition Credit Card | Exclusive metallic version, available by invitation, with d benefits. |
| Joining & Renewal Fee | ₹12,500 plus applicable taxes | Waived on spending ₹10 lakh or more in the preceding 12 months. |
| Annual Retention Requirement (from April 1, 2026) | Spend ₹18 lakh on the card OR maintain a Relationship Value of ₹50 lakh with HDFC Bank. | Ensures active usage or significant banking relationship for card retention. |
| Foreign Currency Markup Fee | 2% plus GST on all foreign transactions | One of the lowest forex markup fees among premium cards in India. |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% on transactions charged in INR at international locations or with overseas merchants (effective May 17, 2026) | Applies when choosing to pay in INR while abroad. |
| Reward Points Earning | 5 reward points for every ₹150 spent on most purchases | Accelerated rewards on specific categories like SmartBuy. |
| Reward Points Redemption Value (SmartBuy) | 1 Reward Point = ₹1 | Redeemable for up to 70% of the transaction value on SmartBuy travel bookings. |
| Reward Points Redemption Ratio | 1:1 across travel booking, air mile conversion, and premium purchases | Offers high value for accumulated reward points. |
| Reward Points Redemption Limit (Flights, Hotels, Airmiles) | 150,000 points per month (effective May 21, 2026) | Monthly CAP on redemptions for travel-related benefits. |
| Reward Points Redemption Limit (Statement Balance) | 50,000 reward points monthly (effective May 21, 2026) | Monthly CAP for converting points against statement balance. |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹1,00,000 | Applicable at all fuel stations across India, maximum waiver ₹1,000 per statement cycle. |
| Airport Lounge Access | Unlimited complimentary access to 1,000+ airport lounges (India and international) via Priority Pass | Available for both primary and add-on cardholders. |
| Dining Benefits | Up to 15% discount at 3,000+ participating restaurants; up to 20% off at Marriott Hotels restaurants | Includes a flat 10% extra discount via Good Food Trail Program (35,000+ restaurants). |
| Golf Privileges (Metal Edition) | Unlimited free golf games and instruction at select courses in India and internationally | Exclusive benefit for the Infinia Metal Edition cardholders. |
| Insurance Cover | Air accident death cover of ₹3 crore; emergency overseas hospitalization cover of ₹50 lakh; credit shield insurance cover of ₹9 lakh | full travel and financial protection. |
| Interest-Free Period | Up to 50 days from the day of purchase | Provides extended time to pay without incurring interest charges. |
| Contactless Payment Limit | ₹5,000 for a single transaction without PIN in India | Enables quick and secure payments at retail outlets. |
The HDFC Infinia Credit Card’s full benefits, from travel and dining to insurance, position IT as a top-tier offering for cardholders who meet its high spending and relationship value criteria as of 2026.
HDFC Infinia Credit Card in India: Key Statistics & Data Points for 2026
The HDFC Infinia Credit Card, including its Metal Edition, remains a top-tier offering in India for 2026, known for its extensive benefits and high reward value. As of May 2026, the card carries a 2% foreign currency markup fee and a 1.75% Dynamic Currency Conversion (DCC) markup fee on specific international transactions.
| Metric | Value | Source |
|---|---|---|
| Joining Fee | ₹12,500 plus applicable taxes | HDFC Bank Official Website |
| Renewal Fee (Annual) | ₹12,500 plus applicable taxes | HDFC Bank Official Website |
| Renewal Fee Waiver Criteria | Spend ₹10 lakh or more in the preceding 12 months | HDFC Bank Official Website |
| Annual Spend for Card Retention (effective April 1, 2026) | ₹18 lakh (between April 1, 2026 and March 31, 2027) | CardExpert.in, Paisabazaar |
| Relationship Value for Card Retention (effective April 1, 2026) | ₹50 lakh (savings, current, and fixed/recurring deposits combined) | CardExpert.in, Paisabazaar |
| Foreign Currency Markup Fee | 2% | Wise.com, HDFC Bank Official Website |
| Dynamic Currency Conversion (DCC) Markup Fee (effective May 17, 2026) | 1.75% (on transactions charged in INR at international locations or with overseas merchants) | Wise.com, CardExpert.in |
| Fuel Surcharge Waiver | 1% (on transactions between ₹400 and ₹1,00,000) | HDFC Bank Official Website |
| Maximum Fuel Surcharge Waiver Per Statement Cycle | ₹1,000 | HDFC Bank Official Website |
| Reward Points Earned | 5 reward points for every ₹150 spent on most purchases | Paisabazaar, HDFC Bank Official Website |
| Reward Point Value on SmartBuy | ₹1/point | Pointsmax.in |
| Reward Redemption Ratio | 1:1 (across travel booking, air mile conversion, premium purchases) | Paisabazaar |
| Reward Points Redemption Limit (Flights, Hotels, Airmiles – effective May 21, 2026) | 150,000 points per month | HDFC Bank Official Website |
| Reward Points Redemption Limit (Overall per statement cycle – effective May 21, 2026) | 200,000 points (maximum) | HDFC Bank Official Website |
| Reward Points Redemption Limit (Against statement balance – effective May 21, 2026) | 50,000 reward points monthly | HDFC Bank Official Website |
| Tanishq Voucher Redemption Limit (effective January 1, 2026) | 50,000 reward points per quarter | HDFC Bank Official Website |
| Interest-Free Period | Up to 50 days | HDFC Bank Official Website |
| Air Accident Death Cover | ₹3 Crore | HDFC Bank Official Website |
| Emergency Overseas Hospitalization Cover | ₹50 lakh | HDFC Bank Official Website |
| Credit Shield Insurance Cover | ₹9 lakh | HDFC Bank Official Website |
| Unlimited Complimentary Airport Lounge Access | Across India and internationally (for primary and add-on cardholders) | HDFC Bank Official Website |
| Golf Benefits | Unlimited free golf games and instruction at select courses in India and internationally | HDFC Bank Official Website |
| Dining Discount (Good Food Trail Program) | Flat 10% extra discount at 35,000+ participating restaurants | HDFC Bank Official Website |
| Contactless Payment Limit (without PIN) | ₹5,000 per single transaction in India | HDFC Bank Official Website |
The HDFC Infinia Credit Card continues to offer a strong suite of features, though cardholders should note the revised annual spend requirements for retention and updated reward point redemption caps effective from 2026.
How HDFC Infinia Credit Card in India Works: Process, Steps & Key Details
The HDFC Infinia Credit Card is an exclusive, invitation-only product, requiring specific eligibility and a formal application process. As of 2026, primary cardholders must be between 18 and 70 years old, while add-on cardholders must be at least 15 years old.
The application and retention process for the HDFC Infinia Credit Card involves several key steps and criteria:
- Invitation-Only Access: The HDFC Infinia Credit Card, including its Metal Edition, is available strictly by invitation from HDFC Bank. Prospective cardholders cannot directly apply without an invitation.
- Eligibility Criteria: Primary cardholders must be Indian residents or non-residents aged 18 to 70 years. Add-on cardholders need to be at least 15 years old.
- Required Documentation: Applicants must submit a duly filled application form, a copy of their PAN card or Form 60, identity proof (Aadhaar, Passport, or driving licence), income proof (IT returns, latest pay slips, Form 16), and address proof (Aadhaar or Passport).
- Application Methods: The application can be completed through both online and offline channels once an invitation is received.
- Annual Retention Requirement (from April 2026): To retain the card, cardholders must either spend ₹18 lakh or more annually on the Infinia card, or maintain a Relationship Value of ₹50 lakh with HDFC Bank (combining savings, current, and fixed/recurring deposits).
- Foreign Currency Spending Fee: A 2% foreign currency spending fee applies to all international transactions, effective May 21, 2026.
- Dynamic Currency Conversion (DCC) Markup Fee: A 1.75% DCC markup fee is charged on transactions billed in INR at international locations or with overseas-registered merchants, effective May 17, 2026.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹1,00,000 at all fuel stations across India, with a maximum waiver of ₹1,000 per statement cycle.
Understanding these specific requirements and fees is for managing the HDFC Infinia Credit Card effectively in 2026.
HDFC Infinia Credit Card in India: Benefits, Advantages & Why Students Choose IT
The HDFC Infinia Credit Card offers a high value-back of up to 3.33%, making IT one of India’s most valuable credit cards in 2026 (Source: Pointsmax.in). Cardholders receive 5 reward points for every ₹150 spent, with a 1:1 redemption ratio across travel, air miles, and premium purchases.
- Unlimited Lounge Access: Primary and add-on cardholders get unlimited complimentary access to over 1,000 airport lounges globally via Priority Pass, ensuring comfort during travel.
- Low Foreign Currency Markup: The card features a competitive 2% foreign currency markup fee, plus GST, on all international transactions, reducing costs for global spending.
- Dining Privileges: Cardholders enjoy exclusive discounts of up to 15% at over 3,000 participating restaurants and up to 20% off food and beverage bills at Marriott Hotels.
- Golf Privileges: The Infinia Metal Edition provides unlimited free golf games at over 20 prestigious courses in India and 100+ international courses, along with free golf instruction.
- Hotel Benefits: Benefits include a “stay for three nights, pay for two” offer at participating ITC hotels and 1+1 free buffets, luxury travel experiences.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies to transactions between ₹400 and ₹1,00,000 at all fuel stations across India, with a maximum waiver of ₹1,000 per statement cycle.
- full Insurance: The card offers significant insurance coverage, including ₹3 crore for air accident death, ₹50 lakh for emergency overseas hospitalization, and ₹9 lakh for credit shield insurance.
These premium benefits position the HDFC Infinia Credit Card as a top choice for high-net-worth individuals seeking extensive travel, lifestyle, and reward advantages in India.
HDFC Infinia Credit Card in India: Vs Alternatives: Which Option is Best?
The HDFC Infinia Credit Card remains India’s most valuable credit card in 2026, offering up to 3.33% value-back on spends. However, new retention rules from April 1, 2026, require an annual spend of ₹18 lakh or a ₹50 lakh relationship value with HDFC Bank to retain the card.
| Feature | HDFC Infinia Credit Card | HDFC Diners Club Black Metal Edition | HDFC Regalia Gold |
|---|---|---|---|
| Annual Fee | ₹12,500 plus taxes (waived on ₹10 lakh annual spend) | ₹10,000 | ₹2,500 |
| Eligibility | Invitation only (select customers) | Not specified (premium selection) | Lower barrier to entry |
| Reward Rate | ₹1/point on SmartBuy (up to 3.33% value-back), 5 reward points per ₹150 spent | Up to 3.33% value-back, 4 reward points per ₹150 spent | ₹0.50/point on SmartBuy, 5x on vouchers (2.67% effective) |
| Reward Redemption | 1:1 across travel, air mile conversion, premium purchases (SmartBuy caps at 1 lakh points/month) | 1:1 across flights, hotels, air mile conversion | Not specified |
| Forex Markup Fee | 2% on foreign currency spending, 1.75% DCC markup fee (from May 17, 2026) | Low forex mark-up fee | Most credit cards: ~3.50% |
| Lounge Access | Unlimited complimentary domestic and international airport lounge access via Priority Pass | Unlimited lounge access | Complimentary domestic lounge access, international via Priority Pass (conditions apply) |
| Retention Requirement (from April 2026) | Spend ₹18 lakh annually OR maintain ₹50 lakh Relationship Value with HDFC Bank | Not specified | Not specified |
| Transfer Partners | 22 transfer partners (airline and hotel partners) | Not specified | Not specified |
While the HDFC Infinia offers superior rewards and benefits, alternatives like the HDFC Diners Club Black Metal Edition provide similar value-back at a lower annual fee, making them suitable for users with slightly lower spending patterns.
Common Misconceptions About HDFC Infinia Credit Card in India
Many HDFC Infinia cardholders believe the card offers unlimited reward redemptions, but new limits apply from 2026. The card also requires a significant annual spend or relationship value for retention, effective April 1, 2026.
- Misconception 1: Unlimited Reward Redemptions: While the Infinia card offers a 1:1 redemption ratio, a monthly CAP of 150,000 points applies for flights, hotels, and airmiles from May 21, 2026. The overall monthly redemption limit is 200,000 points per statement cycle.
- Misconception 2: Easy Retention Without High Spends: From April 1, 2026, cardholders must spend ₹18 lakh annually or maintain a ₹50 lakh relationship value with HDFC Bank to retain the card. This includes savings, current, and fixed/recurring deposits.
- Misconception 3: No Foreign Transaction Fees: The HDFC Infinia card charges a 2% foreign currency markup fee on all international spending. , a 1.75% Dynamic Currency Conversion (DCC) markup fee applies from May 17, 2026, on INR transactions at international locations or with overseas-registered merchants.
- Misconception 4: Open to All Applicants: The HDFC Infinia Credit Card, especially the Metal Edition, is an invite-only product. Eligibility is not solely based on meeting income criteria but requires an exclusive invitation from the bank.
- Misconception 5: Fuel Surcharge is Fully Waived: While the card offers a 1% fuel surcharge waiver, IT applies only to transactions between ₹400 and ₹1,00,000. The maximum waiver is capped at ₹1,000 per statement cycle.
Understanding these updated terms and conditions is for maximizing the benefits of the HDFC Infinia Credit Card in 2026.
What to Do Next: Actionable Steps
The HDFC Infinia Credit Card is an invite-only offering, meaning direct application is not always possible. Prospective cardholders must typically receive an invitation from HDFC Bank, often based on their existing relationship and financial profile.
To acquire the HDFC Infinia Credit Card in 2026, follow these specific steps:
- Check Eligibility Criteria: Ensure you are a resident or non-resident Indian between 18 and 70 years of age. Add-on cardholders must be at least 15 years old.
- Maintain Strong Banking Relationship: HDFC Bank often extends invitations to high-net-worth customers. Maintaining a significant relationship value, such as ₹50 lakh in combined savings, current, and fixed/recurring deposits, can increase your chances (effective April 1, 2026).
- Contact HDFC Bank Directly: Reach out to your local HDFC branch or call the bank’s service numbers (18001600 or 18002600) to inquire about eligibility and the invitation process.
- Prepare Required Documents: Have a duly filled application form, copy of your PAN card or Form 60, identity proof (Aadhaar card, Passport, or driving licence), proof of income (IT returns, latest pay slips, Form 16), and address proof (Aadhaar card or Passport) ready.
- Understand Retention Requirements: Be aware that from April 1, 2026, you must spend ₹18 lakh annually on the card or maintain a ₹50 lakh relationship value to retain the card.
- Review Fees and Charges: Familiarize yourself with the joining fee of ₹12,500 plus applicable taxes, and the 2% foreign currency spending fee (effective May 21, 2026).
Understanding these requirements and proactively engaging with HDFC Bank are steps for obtaining the HDFC Infinia Credit Card in 2026.
Key Takeaways
- The HDFC Infinia Credit Card is an exclusive, invite-only product, primarily offered to high-net-worth HDFC Bank customers.
- From April 1, 2026, cardholders must meet an annual spend of ₹18 lakh or maintain a ₹50 lakh relationship value to retain the card.
- Key fees include a ₹12,500 joining fee and a 2% foreign currency markup fee (effective May 21, 2026).
Contact your HDFC Bank relationship manager or visit an HDFC Bank branch to inquire about an invitation for the Infinia Credit Card.
Frequently Asked Questions (FAQs)
What is the annual fee for the HDFC Infinia Credit Card in 2026?
The HDFC Infinia Credit Card has an annual fee of ₹12,500 plus applicable taxes as of 2026. This fee is waived if you spend ₹18 lakh or more in the preceding financial year. Alternatively, maintaining a Relationship Value of ₹50 lakh with HDFC Bank also waives the fee.
What are the eligibility criteria for the HDFC Infinia Credit Card in 2026?
HDFC Infinia Credit Card eligibility is primarily by invitation for high-net-worth individuals. Salaried applicants generally need a monthly income of ₹3.5 lakh or more, while self-employed individuals require an annual income exceeding ₹40 lakh. A strong credit history and a CIBIL score of 750+ are also for consideration.
What are the reward points benefits of the HDFC Infinia Credit Card?
The HDFC Infinia Credit Card offers 5 reward points for every ₹150 spent on most categories. These points can be redeemed at a value of ₹1 per point on SmartBuy for flights and hotels, or 0.50 paise per point for cashback. SmartBuy redemptions provide the highest value, offering up to 33% more than other options.
Does the HDFC Infinia Credit Card offer lounge access in India?
Yes, the HDFC Infinia Credit Card provides unlimited complimentary domestic airport lounge access in India for both primary and add-on cardholders. This benefit is a key feature for frequent travelers, offering comfort at various airports nationwide. You simply present your Infinia card at participating lounges.
What is the foreign currency markup fee for HDFC Infinia in 2026?
As of May 17, 2026, the HDFC Infinia Credit Card applies a 2% foreign currency markup fee on all international spending. , a 1.75% Dynamic Currency Conversion (DCC) markup fee applies to international transactions carried out in Indian currency (INR). This means international transactions can incur a total markup of up to 3.75%.
What is the minimum spend required to retain the HDFC Infinia Credit Card from April 2026?
From April 1, 2026, HDFC Infinia cardholders must spend ₹18 lakh on the card between April 1, 2026, and March 31, 2027, to retain IT. Alternatively, maintaining a Relationship Value of ₹50 lakh with HDFC Bank during the same period also fulfills the retention criteria. Failure to meet either condition may result in card cancellation.
Can I get an HDFC Infinia Credit Card if I am not an existing HDFC Bank customer?
While the HDFC Infinia Credit Card is primarily offered by invitation, non-HDFC Bank customers can apply if they meet the stringent income and credit profile requirements. However, existing HDFC Bank customers with a strong relationship value and high spending patterns have a higher chance of receiving an invitation. IT is advisable to build a relationship with the bank first.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.