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HDFC Infinia Credit Card

HDFC Infinia Credit Card has a high reward rate and is an excellent alternative for heavy-spending customers. With this card, HDFC considers the international travel needs of its premium customers and offers a cheaper foreign currency conversion rate of 2% as well as a complimentary subscription to the Priority Pass program. HDFC Infinia Metal Edition Credit Card is a Reward Points card, which means you get 5 Reward Points for every Rs. 150 you spend with it. Although the membership cost for this card is slightly more, Rs. 10,000 per year, it is worth it, and it could be the card of choice for you if you are financially stable and cannot compromise on your lifestyle necessities.

 

Eligibility Criteria for HDFC Bank Infinia Credit Card

  1. The primary cardholder can be a resident or a non-resident of India.
  2. The applicant must be between the ages of 18 and 70 years.
  3. The add-on cardholder must be at least 15 years of age.

 

Fees and Charges on HDFC Bank Infinia Credit Card

Type of Charge Amount (Rs.)
Joining fee Rs.12500/-
Renewal fee Rs.5000/-
Minimum repayment amount 5% or a maximum of Rs.200
Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit 40% of the credit limit
Rewards redemption fee Rs.99/-
Add-on cards charges NIL
Foreign currency mark-up fee 2%
Late payment charges                                                              Less than equal to Rs.100 - Nil
Rs.101 to Rs.500 - Rs.100
Rs.501 to Rs.1,000 - Rs.500
Rs.1,001 to Rs.5,000 - Rs.600
Rs.5,001 to Rs.10,000 - Rs.750
Rs.10,001 to Rs.25,000 - Rs.900
Rs.25,001 to Rs.50,000 - Rs.1100
More than Rs.50,000 Rs.1300
Over limit charges 2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee Rs.100 per transaction
Payment returns charges 2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges Rs.100 per instance
Duplicate statement Rs.10

 

How to Apply for HDFC Bank Infinia Credit Card Online?

You can apply for the HDFC Bank Infinia credit card through offline as well as through online methods. If you wish to apply offline, you will need to visit the bank branch and fill the application form or call the customer care of the bank.Through online methods, you can either apply directly from the HDFC Bank website or through BankBazaar. To apply from BankBazaar, here are the steps you need to follow:

  1. Click on the 'check eligibility' tab on the HDFC Bank Infinia credit card page on BankBazaar.
  2. Add the information which is required on the form.
  3. You will need to upload the documents which are required for the application procedure.
  4. After you click on 'submit', you will receive a tracking ID. You can use this ID to track the status of your application.

 

FAQ (Frequently Asked Questions)

  1. What is the interest-free period on my card?
    • You enjoy an interest-free period up to 50 days.
  2. Is there a limit on the amount of cash I can withdraw?
    • You can withdraw up to 40% of the credit limit with your Infinia Credit Card.
  3. How do I get access to my Priority Pass Membership?
    • You will receive your Priority Pass Membership card as part of the welcome kit along with your Infinia Credit Card. Follow the instructions to activate your membership and present the card at any participating airport lounge to get access.
  4. Will I earn Reward Points for Easy EMI transactions?
    • No. EasyEMI transactions and any transaction related to the loading of your e-wallet will not earn any Reward Points.
  5. How much credit can I get with the HDFC Infinia Credit Card Metal Edition?
    • ​​​​​​​The bank determines your credit limit after reviewing your application. When determining your credit limit, the bank takes into account a variety of attributes, such as your credit score, repayment capacity, income, and more. Only when you apply for the credit card will you learn what your credit limit is.
  6. How much is the foreign exchange markup cost for the HDFC Infinia Credit Card Metal Edition?
    • ​​​​​​​The bank charges a foreign currency markup fee of 2% of the transaction value for the HDFC Infinia Credit Card Metal Edition. It is one of the lowest markup fees levied by credit cards.
  7. How can I apply for the HDFC Infinia Credit Card Metal Edition?
    • ​​​​​​​​​​​​​​You can apply for this credit both online and in person. To apply offline, go to the bank's nearest branch and fill out the application form. If you want to apply online, you can do so by visiting the bank's official website and filling out the application form.