HDFC Bank Infinia Credit Card

HDFC Bank · ₹12,500 a year · fee waived on ₹10,00,000 of annual spend

HDFC Bank’s top card. Strongest when you redeem points for travel.

Base rate: 1% as Reward Point.

What the bank says

• 5 reward points per ₹150, including insurance, utilities and education
• Points worth ₹1 on flights, hotels, Apple products and Tanishq vouchers via SmartBuy
• Unlimited airport lounge access worldwide
• Foreign currency markup of 2%
• 12,500 points on joining and renewal

Things that catch people out

• Points are worth ₹1, making the card worth about 3.3% each on flights and hotels booked through HDFC Bank SmartBuy. Tell us you redeem for travel and we use that value; otherwise we use the cashback value.
• Issued by invitation. Renewal fee waived on annual spends of ₹10 lakh.
• No points on fuel.

Joining fee: ₹12,500. Foreign currency markup: 2%.

Read from HDFC Bank’s own page on 2026-09-16.

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