all cards
super-premiumpointsHDFC Bank · Visa
HDFC Bank Infinia Credit Card
Base earn: 5 RP per ₹150 (3.33 RP per ₹100, ~3.33% reward rate). SmartBuy 5X on flights, 10X on hotels — bonus accruals capped at 15,000 RP per calendar month. Travel earn rate shown reflects the 10X SmartBuy hotel multiplier ceiling.
what it costs
| joining fee | ₹12,500 |
|---|---|
| annual fee | ₹12,500 |
| how to dodge the fee | Annual fee waived on ₹10,00,000 spend in the preceding anniversary year |
| forex markup | 2.0% + GST |
how you earn
every ₹100 you swipe earns you points in Infinia Reward Points.
| default | 3.33× / ₹100 |
|---|---|
| travel | 33.3× / ₹100 |
freebies
| welcome gift | 12,500 Reward Points on realization of joining fee payment |
|---|
where your points fly
move points to these airlines & hotels at the ratio shown (lower = better).
- Singapore Airlines KrisFlyer1:1
- Air France-KLM Flying Blue1:1
- Qatar Airways Privilege Club1:1
- Finnair Plus1:1
- Vietnam Airlines LotusMiles1:1
- AirAsia BIG Rewards1:1
- SpiceJet SpiceClub1:1
- IHG One Rewards1:1
- Wyndham Rewards1:1
- Marriott Bonvoy2:1
- Accor Live Limitless2:1
- British Airways Executive Club2:1
- Etihad Guest2:1
- Air Canada Aeroplan2:1
- Turkish Airlines Miles&Smiles2:1
- United Airlines MileagePlus2:1
- Club ITC2:1
extras
| domestic lounges | Unlimited (primary + add-on) |
|---|---|
| international lounges | Unlimited via Priority Pass (primary + add-on) |
| who can apply | Invite-only — typically net monthly salary ₹3L+ or high-value HDFC banking relationship |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.