Welcome to our comprehensive review of the HDFC Infinia Credit Card Metal Edition, the epitome of luxury and exclusivity in the world of credit cards. HDFC Bank has recently relaunched its prestigious Infinia Credit Card in a captivating metallic variant, targeting High Net-Worth Individuals (HNIs) who seek nothing less than the finest in their lifestyle. This invite-only card comes packed with an array of remarkable privileges and benefits that place it in direct competition with other elite credit cards such as the ICICI Bank Emeralde Credit Card, Citibank Prestige Card, and Standard Chartered Ultimate Credit Card.
With the HDFC Infinia Metal, the bank has taken into consideration the international travel needs of its esteemed customers. It offers a highly favorable foreign currency exchange rate of just 2%, ensuring that you can explore the world without worrying about exorbitant fees. Additionally, this card grants you a complimentary membership to the renowned Priority Pass program, granting access to luxurious airport lounges worldwide.
One of the standout features of the HDFC Infinia Metal is its reward points system. For every Rs. 150 spent using this card, you earn 5 Reward Points, allowing you to accumulate rewards swiftly and indulge in exclusive experiences. While the membership fee for this card may be slightly higher at Rs. 12,500 per annum, the extraordinary benefits and privileges it offers make it well worth the investment. If you are someone who values financial stability and refuses to compromise on your lifestyle needs, the HDFC Infinia Metal Edition might just be the card of preference for you.
In this review, we will delve into the intricate details of the HDFC Infinia Credit Card Metal Edition, exploring its features, privileges, and comparing it with other notable premium credit cards. Whether you are a seasoned connoisseur of luxury cards or simply curious about the finest offerings in the credit card realm, join us as we uncover the opulent world of the HDFC Infinia Credit Card Metal Edition.
Features and Benefits of HDFC Infinia Credit Card Metal Edition
Upon acquiring the HDFC Infinia Metal Edition, you will receive exclusive welcome benefits. Enjoy a complimentary one-year Club Marriott membership, granting you up to 20% off on restaurant bills for up to 10 guests and discounted rates at participating Marriott hotels in India and the Asia Pacific region. Additionally, receive a generous bonus of 12,500 Reward Points after successfully paying the joining fee.
Experience the epitome of luxury travel with the HDFC Infinia Metal Edition. Gain unlimited access to domestic and international airport lounges worldwide through the Priority Pass membership, available for both primary and add-on cardholders. Carry your Priority Pass card to enjoy complimentary lounge access, while guests accompanying you will be charged a nominal fee. Moreover, revel in a one-year Club Marriott membership, providing a 20% discount on the best available rates at luxurious hotels in India and the Asia Pacific during weekends.
ITC Hotels Complimentary Stay Benefits
Embark on unforgettable journeys with exclusive benefits at partner ITC hotels. Receive a complimentary one-night stay when booking a two-night stay, or pay for only two nights when staying for three nights at select ITC Hotels, courtesy of the HDFC Bank Infinia credit card. Take advantage of this offer by making advance bookings.
Utilize the Smartbuy portal to redeem your accumulated Reward Points for flight bookings. Each Reward Point is valued at Re. 1 when redeeming against flight bookings. Additionally, enjoy exciting discounts and deals available through the HDFC Bank Infinia Credit Card.
Indulge in extraordinary dining experiences with the HDFC Infinia Metal Edition. Benefit from the Club Marriott membership, granting up to 20% off on food and beverage bills at top restaurants, and up to 15% off at select hotels for up to 10 guests. Enjoy discounted rates on room bookings at participating Marriott hotels in India and the Asia Pacific during weekends. Treat yourself to 20% off on spa services at select participating Marriott hotels in India from Monday to Friday. Gain access to the Good Food Trail program, which provides a complimentary Dineout passport membership for a year. Enjoy a range of dining benefits such as assured discounts, 1+1 buffet offers, and 1+1 food/drinks at select restaurants.
Embrace your passion for golf with unlimited complimentary golf games at leading courses across India and select courses worldwide. Each golf lesson includes green fees, instructor fees, and range golf balls. Additionally, avail yourself of unlimited complimentary golf coaching at select golf courses in India by booking through HDFC Infinia’s 24×7 concierge services.
The HDFC Infinia Metal Edition offers comprehensive insurance coverage, including accidental air death coverage up to Rs. 3 crores, medical emergency cover up to Rs. 50 lakhs, credit shield of Rs. 9 lakhs, and credit liability coverage of Rs. 9 lakhs. For further details on the insurance benefits, refer to HDFC Bank’s official website.
Fuel Surcharge Waiver
Enjoy a waiver of the 1% fuel surcharge on fuel purchases ranging from Rs. 400 to Rs. 1,00,000 at all fuel stations across the country. The maximum monthly waiver is capped at Rs. 1,000. Please note that fuel purchases are not eligible for earning Reward Points.
Spend-based Renewal Fee Waiver
If you spend Rs. 10,00,000 or more in the previous year, the renewal fee of Rs. 12,500 for the HDFC Infinia Metal Edition will be waived.
HDFC Infinia Concierge Services
Take advantage of the 24×7 concierge services provided by HDFC Infinia. Services include golf bookings, private dining assistance, airport VIP services, itinerary planning and reservation assistance, international gift delivery, event planning and referrals, ensuring a seamless and luxurious experience.
Low Foreign Currency Markup
Benefit from a foreign currency markup rate of just 2% (plus taxes) on the HDFC Infinia Metal Edition, significantly lower than the standard 3.5% charged by most other credit cards, making it ideal for international travel and transactions.
HDFC Infinia Credit Card Rewards: Explained
Earn Reward Points
With the HDFC Infinia Credit Card, you have the opportunity to earn Reward Points on your purchases. For every Rs. 150 spent using the card (excluding fuel spends), you earn 5 Reward Points. These points can be accumulated and redeemed for a wide range of exciting rewards and benefits.
The Infinia HDFC card offers accelerated Reward Points on specific categories, allowing you to earn points at a faster rate. When you make travel and shopping purchases on the SmartBuy platform, you earn 10x Reward Points. This includes bus, hotel, and flight bookings through Cleartrip and EasemyTrip, as well as Redbus. Additionally, you earn 10x points on Apple Imagine purchases. For shopping on Flipkart and purchasing rail tickets, you earn 3x Reward Points.
Monthly Cap on Accelerated Rewards: While the Infinia card provides accelerated Reward Points, there is a monthly cap of 15,000 points for these accelerated earnings. Once you reach this cap, subsequent purchases will earn Reward Points at the regular rate.
Exclusions from Reward Points
It’s important to note that certain transactions are not eligible for earning Reward Points. These include fuel purchases, rent payments, property management expenses, government spends, EasyEMI transactions, and e-wallet reloading. Be sure to review the terms and conditions for a complete list of exclusions.
HDFC Infinia Reward Redemption
- Multiple Redemption Options: The Rewards earned through the Infinia HDFC credit card can be redeemed in various ways, providing flexibility and choice. You have the option to redeem your Reward Points on HDFC’s SmartBuy platform or via Netbanking.
- Redemption on SmartBuy: On SmartBuy, you can use your Reward Points to redeem against hotel and flight bookings, DTH recharges, and more. Each Reward Point is valued at Re. 1 for these redemptions.
- Conversion into AirMiles: Through Netbanking, you can convert your Reward Points into AirMiles. Each Reward Point is equivalent to 1 AirMile, allowing you to boost your airline loyalty program.
- Purchase Products and Vouchers: Netbanking and SmartBuy also offer the option to use your Reward Points for purchasing products and vouchers. Each Reward Point is valued at Rs. 0.50 for these transactions.
- Special Redemptions on SmartBuy: SmartBuy provides additional redemption opportunities for specific brands. You can redeem your Reward Points against Tanishq and Apple vouchers, with each Reward Point equivalent to Re. 1 for these brands.
- Cashback Redemption: In addition to the above options, your Reward Points can be used for cashback against the statement balance of your card. However, the redemption rate for cashback is lower, with each Reward Point valued at Rs. 0.30. Please note that only 70% of the total payment for flight and hotel bookings, as well as Apple and Tanishq vouchers, can be made through Reward Points.
- Redemption Caps: There are monthly redemption caps for certain categories. On SmartBuy, the redemption of Reward Points against hotel and flight bookings is capped at 1,50,000 Reward Points per month. For Tanishq vouchers, the cap is set at 50,000 Reward Points per month.
- Expanded Partner Network: The Infinia Credit Card’s reward points transfer program now includes 14 new partners, such as British Airways, Etihad Airways, Vietnam Airlines, and more. You can redeem your earned points against the miles or loyalty points of these partners through the Rewards360 portal, with varying redemption rates.
HDFC Infinia Metal Card Fees and Charges
- Joining Fee: To avail the exclusive benefits of the HDFC Bank Infinia Credit Card, a joining fee of Rs. 12,500 (plus applicable taxes) is charged by HDFC Bank. This one-time fee grants you access to a world of premium privileges.
- Annual Fee: HDFC Bank levies an annual membership fee of Rs. 12,500 (plus applicable taxes) for the HDFC Bank Infinia Credit Card. This fee ensures the continuation of the card’s exceptional features and benefits throughout the year.
- Low Interest Rate: The HDFC Bank Infinia Credit Card offers an incredibly low interest rate of 1.99% per month (23.8% annually) on the due amount. This rate is significantly lower compared to many other credit cards, providing you with greater flexibility in managing your finances.
- Foreign Currency Markup Fee: When using the Infinia Card for transactions in a different currency, a foreign currency markup fee of 2% of the transaction amount applies. This fee is relatively low, enabling you to make international transactions with cost-efficiency.
- Cash Advance Charges: While the Infinia credit card allows you to withdraw cash, it should be noted that there are no cash advance charges. However, interest rates will still apply to the withdrawn amount, so it’s advisable to use this feature judiciously.
HDFC Infinia Credit Card Eligibility
- Exclusive Invitation: The HDFC Infinia Card is a prestigious and exclusive credit card that is available only through invitation. It is not open for direct application as there are no predefined eligibility criteria. HDFC Bank extends invitations for the Infinia Card to a chosen few individuals who fulfill specific criteria.
- Age Requirement: While specific eligibility criteria may vary, generally, individuals should be above 21 years and below 65 years of age to be considered for an invitation to the HDFC Infinia Credit Card program.
- Stable Income: Having a stable source of monthly income is an important factor for consideration. Although the exact income requirement is not specified, a consistent and substantial income showcases financial stability and enhances the chances of receiving an invitation for the Infinia Card.
- Credit History: To be eligible for an Infinia Credit Card invitation, it is crucial to have a very good credit history. A strong credit profile, characterized by responsible credit management, timely payments, and a healthy credit score, demonstrates creditworthiness and financial discipline. Anything above 750+ helps.
- Existing Relationship with HDFC Bank: Maintaining an existing relationship with HDFC Bank, such as having a savings account, fixed deposit, or any other financial products, may increase the likelihood of being considered for an Infinia Card invitation. Building a positive rapport with the bank showcases loyalty and strengthens your chances of receiving the coveted invite.
While the exact eligibility criteria for the HDFC Infinia Credit Card remain undisclosed, meeting the above-mentioned requirements, such as age, income stability, excellent credit history, and an existing relationship with HDFC Bank, can potentially enhance your chances of receiving an invitation for this prestigious card.
Can You Get Approved For HDFC Infinia Credit Card Metal Edition?
The HDFC Bank Infinia Credit Card Metal Edition is an exclusive card that operates on an invitation-only basis. While individuals cannot directly apply for this card, they can receive an invitation from HDFC Bank based on certain criteria and qualifications. Here are the key factors that determine who can get approved for the HDFC Infinia Credit Card:
- Existing HDFC Credit Card: Individuals who already hold an HDFC Credit Card and have a proven track record of responsible credit usage, including timely payments and no defaults, have a higher chance of being invited for the Infinia Credit Card.
- Excellent Credit Score: A strong credit score is essential to be considered for the HDFC Infinia Credit Card. This indicates a history of responsible credit management and financial discipline, increasing the likelihood of receiving an invitation.
- High Annual Income: Individuals with a high annual income have a greater chance of receiving an invitation for the Infinia Credit Card. While the exact income requirement is not disclosed, a substantial income level showcases the ability to handle premium credit card benefits and associated expenses.
- Financial Stability: Demonstrating financial stability, such as a steady source of income, sound financial history, and responsible debt management, can positively impact the likelihood of receiving an invitation for the HDFC Infinia Credit Card.
It is important to note that the HDFC Bank Infinia Credit Card is not available through direct application. Instead, HDFC Bank evaluates potential cardholders based on their creditworthiness, financial standing, and existing relationship with the bank. If an individual meets the specified criteria and stands out as a creditworthy candidate, HDFC Bank may extend an invitation to join the prestigious Infinia Credit Card program.
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What is the foreign currency markup fee for international transactions with the HDFC Infinia Credit Card Metal Edition?
The foreign currency markup fee for the HDFC Infinia Credit Card Metal Edition is generally 2% of the transaction amount. This fee is applicable when making transactions in a currency other than Indian Rupees.
Is there an annual fee for the HDFC Infinia Credit Card Metal Edition?
Yes, the HDFC Infinia Credit Card Metal Edition has an annual membership fee. However, the exact fee amount can vary, so it’s recommended to check with HDFC Bank for the most up-to-date information.
What makes the HDFC Infinia Credit Card Metal Edition unique?
The HDFC Infinia Credit Card Metal Edition stands out for its premium metal construction, which adds a touch of exclusivity and luxury to the card. It offers enhanced durability and aesthetics compared to traditional plastic cards.
Are there any limitations on reward point redemption for hotel and flight bookings with the HDFC Infinia Credit Card Metal Edition?
Yes, there are certain limits on reward point redemption for hotel and flight bookings. On the SmartBuy platform, the redemption of reward points against hotel and flight bookings is capped at 150,000 reward points per month.
Can I avail cashback with the HDFC Infinia Credit Card Metal Edition?
Yes, the HDFC Infinia Credit Card Metal Edition allows for cashback redemption against the statement balance of the card. However, the redemption rate for cashback is lower compared to other redemption options, with 1 reward point equating to Rs. 0.30 in cashback.
How to get maximum value out of your HDFC Infinia Metal Credit Card RP?
To get the maximum value out of your HDFC Infinia Metal Credit Card Reward Points (RP), it is important to strategize your redemptions wisely. One of the most valuable ways to utilize your RP is through flight bookings, where 1 RP is equivalent to 1 Indian rupee. By using your RP to book flights, you essentially get a 3.33% return on every 100 INR spent on the card. This makes it an excellent choice for frequent travelers. Additionally, when purchasing Apple products or Tanishq vouchers from SmartBuy, each RP holds a value of 1 INR, providing a straightforward and worthwhile redemption option. Moreover, through net banking, you can convert your RP into airline miles at a conversion rate of 1 RP to 1 airmile, which can be advantageous for frequent flyers. However, it’s worth noting that for other products and vouchers available via net banking or SmartBuy, the value of 1 RP can be up to 0.50 INR, offering a decent return on your spending. Lastly, if you prefer cashback, each RP can be redeemed for 0.30 INR. By considering these options and evaluating your preferences, you can maximize the value of your HDFC Infinia Metal Credit Card RP.
Who should get this HDFC Infinia Metal Credit Card?The HDFC Infinia Metal Credit Card is an excellent choice for frequent travelers, offering a wide range of benefits that can enhance their travel experiences and provide significant value. Here’s why frequent travelers should consider getting the HDFC Infinia Metal Credit Card:
Travel Rewards and Flight Bookings
The card’s robust rewards program allows frequent travelers to earn valuable reward points on their travel expenses. These reward points can be redeemed for flight bookings, providing an excellent opportunity to maximize the value of their points. With a redemption rate of 1 reward point equal to 1 Indian rupee, cardholders can effectively use their accumulated points to offset flight costs. This means that for every 100 rupees spent on the card, they can earn 3.33 rupees towards flight bookings, giving them a substantial return on their spending.
Unlimited Lounge Access
One of the standout features of the HDFC Infinia Metal Credit Card is the unlimited airport lounge access it offers to its cardholders. Whether you’re traveling domestically or internationally, you can enjoy access to airport lounges worldwide. This perk allows frequent travelers to relax in comfortable and well-appointed lounges, enjoy complimentary food and beverages, access business facilities, and unwind before or between flights. The unlimited lounge access feature adds a touch of luxury and convenience to the travel experience, making it an invaluable benefit for frequent flyers.
Dining Benefits and Hotel Privileges
The HDFC Infinia Metal Credit Card extends attractive dining benefits and hotel privileges to its cardholders. For example, you can enjoy a 20% discount on the food and beverage bill at restaurants in Marriott Hotels. Additionally, you can avail yourself of a 20% discount on the ‘Best Available Rates‘ when booking rooms at Marriott Hotels in India. The card also provides complimentary nights and buffet at participating ITC hotels, as well as exclusive offers like “3-nights-for-the-price-of-2” stays at select ITC hotels. Moreover, the card offers a 1+1 complimentary buffet at participating ITC hotels, allowing you to savor delectable culinary experiences during your travels.
The HDFC Infinia Metal Credit Card is an ideal choice for frequent travelers who seek maximum value and exclusive benefits. The card offers an exceptional rewards program for flight bookings, unlimited airport lounge access, and attractive dining and hotel privileges. By leveraging these features, frequent travelers can save on flight expenses, enjoy luxurious airport experiences, indulge in fine dining at discounted rates, and make the most of their hotel stays. The HDFC Infinia Metal Credit Card truly caters to the needs and preferences of discerning frequent travelers.
The HDFC Bank Infinia credit card provides an array of advantages to its valued customers. These include convenient lifestyle benefits such as access to a 24×7 concierge service, complimentary entry to prestigious golf destinations, and an exclusive dining and travel experience with unlimited access to lounges worldwide through the Priority Pass membership. Additionally, cardholders can enjoy the flexibility of redeeming their reward points for flight and hotel bookings, as well as earn 5 reward points for every Rs. 150 spent on shopping.
Considering the wide range of benefits and privileges offered, the HDFC Bank Infinia credit card is designed to cater to the diverse needs of customers. However, it’s important to note that this card is positioned as a premium offering, and although the bank does not explicitly mention it in their terms and conditions, a relatively high net worth is generally expected for eligibility.
With its exceptional features and tailored benefits, the HDFC Bank Infinia credit card stands as a compelling choice for individuals seeking a comprehensive and rewarding credit card experience.
What did we learn?
- 1 Features and Benefits of HDFC Infinia Credit Card Metal Edition
- 2 HDFC Infinia Credit Card Rewards: Explained
- 3 HDFC Infinia Reward Redemption
- 4 HDFC Infinia Metal Card Fees and Charges
- 5 HDFC Infinia Credit Card Eligibility
- 6 Can You Get Approved For HDFC Infinia Credit Card Metal Edition?
- 7 FAQs
- 7.1 What is the foreign currency markup fee for international transactions with the HDFC Infinia Credit Card Metal Edition?
- 7.2 Is there an annual fee for the HDFC Infinia Credit Card Metal Edition?
- 7.3 What makes the HDFC Infinia Credit Card Metal Edition unique?
- 7.4 Are there any limitations on reward point redemption for hotel and flight bookings with the HDFC Infinia Credit Card Metal Edition?
- 7.5 Can I avail cashback with the HDFC Infinia Credit Card Metal Edition?
- 8 How to get maximum value out of your HDFC Infinia Metal Credit Card RP?
- 9 Who should get this HDFC Infinia Metal Credit Card?
- 10 Conclusion