एचडीएफसी इनफिनिया क्रेडिट कार्ड (मेटल एडिशन)
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Super-premium invite-only metal card offering up to 33.3% rewards via SmartBuy, unlimited global airport lounge access, and 1:1 air miles redemption.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
HDFC Infinia (Metal Edition) is India's most coveted super-premium credit card. Strictly invite-only, it delivers an unrivaled 33.3% effective return on flights and hotel bookings through SmartBuy, unlimited global airport lounge access with guest privileges, and a metal card body.
12,500 Reward Points (worth up to ₹12,500) credited upon fee realization and card activation, plus complimentary Club Marriott membership for 1 year.
Unlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders with unlimited guest access privileges.
1% fuel surcharge waiver on all fuel transactions across India (minimum transaction ₹400, maximum waiver of ₹1,000 per statement cycle).
Annual fee waiver on ₹10 Lakhs annual spend. Unlimited complimentary golf rounds across premier golf courses in India and internationally.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
By invitation only. Salaried individuals typically requiring net monthly take-home salary exceeding ₹2,75,000. Self-employed individuals requiring audited annual ITR exceeding ₹36,00,000.
न्यूनतम वार्षिक आय आवश्यकता
₹2,75,000/month net (Salaried) / ₹36,00,000/year ITR (Invite-only)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card or Passport 3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation (ITR > ₹36 Lakhs) 4. Passport-size photograph.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Strictly invite-only; cannot be applied for open-market without meeting strict HDFC internal thresholds (typically ₹2.75 Lakhs monthly net salary and existing HDFC credit limit exceeding ₹8 Lakhs). SmartBuy multiplier bonus points carry a monthly cap of 10,000 points. Spend waiver requires ₹10 Lakhs annual spend.
🚀आवेदन के चरण (How to Apply)
Step 1: Check eligibility via HDFC Relationship Manager or check for invite banner in HDFC NetBanking. Step 2: Submit formal upgrade request from existing Regalia/Diners card (minimum existing credit limit ₹8 Lakhs). Step 3: Provide latest 3 months' salary slips showing net pay > ₹2.75 Lakhs or audited ITR. Step 4: Underwriting desk reviews total relationship value (TRV) and past repayment history. Step 5: Complete digital confirmation and biometric V-KYC if required. Step 6: Handcrafted metal card is delivered via specialized secure courier within 5 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on HDFC Infinia Credit Card (Metal Edition)?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at Preferential 1.99% per month (23.88% per annum) on revolving credit balances, substantially lower than commercial 43.2% rates. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Infinia Credit Card (Metal Edition) into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Infinia Credit Card (Metal Edition)?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 for flight and hotel bookings on SmartBuy. 1 RP = 1 Air Mile on Singapore Airlines KrisFlyer, British Airways Avios, and Air France Flying Blue. 1 RP = ₹0.30 on cash statement redemption. Please note: Reward points expire 3 years (36 months) from the date of accrual.
What is the interest-free grace period on HDFC Infinia Credit Card (Metal Edition) and how does it work?
The interest-free period on HDFC Infinia Credit Card (Metal Edition) is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Preferential 1.99% per month (23.88% per annum) on revolving credit balances, substantially lower than commercial 43.2% rates.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.