The HDFC Infinia credit card metal edition is one of the most prestigious credit cards Offering luxury travel and life Benefits. with exclusive features like unlimited lounge access, 5 reward points for 150 spent and complementary club marriott membership and premium golf privileges Its standout as one of the best credit cards in India for high spending category. In this article we will explore the key benefits reward redemptions fees and how you can maximize savings with premium HDFC infinia card.
HDFC infinia credit card benefits
- Metallic card: premium and durable design
- 4 unlimited lounge access: Free access to 1000 plus airport launches worldwide For both primary and add on card holders.
- Five reward points per 150 spent: Reward points on all eligible purchases with spending 150 rupees you will get five reward points.
- Luxury hotel and dining benefits: Enjoy a complimentary club marriott membership offering up to 20% discounts on dining and stay in premium hotels. Available 1+1 buffet offers. Select luxury hotels and exclusive discounts at participating ITC properties elevating your fine dining and hospitality experience.
- Golf privileges: Free gold games and coaching at top courses in India and select locations worldwide.
- Lowest foreign currency markup: Just 2% markup beyond international transactions.
- HDFC Infinia Travel Insurance: ₹3 crore accidental air death cover and ₹50,00,000 overseas hospitalizations cover.
- Concierge Services: 24×7 global conservative services For travel event planning and reservations.
Welcome Gifts And Milestone Rewards
The HDFC Infinia credit card metallic editions come with attractive welcome and milestone rewards. Upon payment of the joining fee and activation of the card cardholders receives 12,500, reward points as welcome gift This benefit is also applicable for renewal ensuring an additional 12,500 Rewards Point every year upon fee realization. Furthermore if carholders spends 10,00,000 rupees or more in a year the renewal fee is completely waived off, making this highly rewarding credit card for high spenders.
Fees and charges
| Category | Charges |
|---|---|
| Joining/Renewal Fee | ₹12,500 + Taxes |
| Foreign Currency Markup | 2% |
| Interest-Free Period | Up to 50 days |
| Revolving Credit | Available at nominal interest |
| Fuel Surcharge Waiver | 1% on transactions ₹400 – ₹1,00,000 |
Reward Redemption
The HDFC Infinia Credit card is known for its high reward redemption Value.
- Travel benefits: Re My laptop’s located deem points for flights hotels via smart buy 1RP= ₹1
- Premium brands : get Apple products and tanishq vouchers at 1 RP = ₹1.
- Airmile Conversions: Convert 1RP=1 airmile.
- Vouchers and merchandise : Redeem via netbanking, 1RP= ₹0.5.
- Cashback: 1RP= ₹0.3 When redeemed as a cashback.
Savings Example: How Much Can You Save?
Let’s take the example of Avadhut, a frequent traveler and online shopper, to understand how much he can save using the HDFC Infinia Credit Card Metal Edition.
Avadhut’s Annual Spending Pattern
- Flights & Hotels: ₹4,00,000 (Business & leisure travel)
- Online Shopping & Electronics: ₹2,50,000
- Dining & Fine Dining: ₹1,50,000
- Groceries & Utility Bills: ₹2,00,000
- Other Expenses: ₹2,00,000
- Total Annual Spend: ₹12,00,000
| Category | Annual Spend | Reward Points Earned | Monetary Value |
|---|---|---|---|
| Travel (SmartBuy 10x) | ₹4,00,000 | 40,000 | ₹40,000 |
| Shopping & Electronics | ₹2,50,000 | 8,333 | ₹8,333 |
| Dining | ₹1,50,000 | 5,000 | ₹5,000 |
| Groceries & Utilities | ₹2,00,000 | 6,667 | ₹6,667 |
| Other Expenses | ₹2,00,000 | 6,667 | ₹3,333 |
| Total Savings | – | – | ₹63,333+ |
HDFC InfiniaCredit Card Review
The HDFC Infinia credit card metal edition is made for individuals who prioritize luxury travel and premium rewards. Best suited for high income professionals. Frequent travelers who can leverage its benefits to the fullest. If you are someone who spends frequently on travel dining and premium brands this card offers immense value through high reward points convergence and exclusive privileges.
For those who frequented travel internationally the low markup of 2% and unlimited lounge access at airport worldwide make it great choice. Additionally golf lovers and fine dining ethnostic will appreciate the complimentary golf games and club Marriott Membership. while the annual fee is on the higher side. The rewards and benefits can easily offset the cost especially if you reach the 10,00,000 annual spends waiver for renewal fees. If you seek a premium lifestyle a card with exclusive privileges top Tier Travel perks and one of the best reward dimensions programs then the HDFC Infinia credit card is for you best choice In India.
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