HDFC Bank Infinia
HDFC Bank
The HDFC Bank Infinia is widely regarded as the most premium and feature-rich credit card available in India, reserved for ultra high net worth individuals with a minimum income of ₹50 lakhs per annum. The ₹12,500 annual fee (waived on an extraordinary ₹20 lakhs annual spend) is justified by the most comprehensive benefits package in the Indian market. Unlimited domestic airport lounge access at 250+ Indian lounges and unlimited international Priority Pass access means there is never a visit limit to track. Zero forex markup on all international transactions eliminates the typical 3.5% foreign currency conversion charge — a saving of thousands of rupees for frequent international travelers. The 5X reward points on travel bookings and 3X on dining globally are the highest multipliers in the market. The ₹5 crore air accident insurance and ₹3 crore emergency medical cover abroad represent the maximum protection available. With a contactless payment limit of ₹2 lakhs and complimentary memberships to Club Vistara, Trident Privilege, and others, the Infinia is truly in a league of its own in the Indian credit card market. Source: HDFC Bank official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Best-in-class lounge access (unlimited domestic & international)
- Zero forex markup
- Highest reward multipliers
- Maximum insurance cover
- Ultra high annual fee
- Requires ₹20L annual spend for waiver
- Very high income requirement
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.