how to get hdfc infinia credit card?

The HDFC Infinia Credit Card is among the most premium credit cards offered by HDFC Bank. It provides an extensive range of benefits, including unmatched reward points, luxurious lifestyle perks, and access to an array of travel privileges. Designed for high-net-worth individuals, it is one of the most sought-after cards in India. If you’re looking to obtain the HDFC Infinia Credit Card, we’ll guide you through the process, eligibility requirements, and important considerations to maximize your chances of approval.

Eligibility Criteria for HDFC Infinia Credit Card

Before applying for the HDFC Infinia Credit Card, it is essential to understand its strict eligibility requirements. The bank offers this card only to select individuals, often on an invitation basis, though it is possible to apply for the card as well. Meeting these criteria will increase your chances of approval:

1. Income Requirement:
   • You must have a high annual income, typically ₹45 Lakhs or more.
   • Salaried professionals and self-employed individuals are both eligible, provided they meet the income threshold.
2. Credit Score:
   • A strong credit score of 750 or above is essential to qualify. A higher score will significantly improve your chances of getting approved.
3. Existing Relationship with HDFC Bank:
   • HDFC Bank prioritizes customers who have an existing relationship with them, such as a savings account, fixed deposit, or loan account.
   • High-net-worth individuals (HNI) who have significant assets under management with HDFC may also have a higher likelihood of approval.
4. Credit History:
   • A clean and consistent credit history, with no defaults on previous loans or credit cards, is crucial. Any negative marks on your credit report can drastically affect your eligibility.

Steps to Apply for HDFC Infinia Credit Card

Obtaining the HDFC Infinia Credit Card requires meticulous preparation and understanding of the application process. While the card is invitation-based, the following steps outline how you can apply:

1. Check Your Eligibility:
   • Begin by visiting the HDFC Bank’s official website to assess your eligibility for the card. You can check if you meet the income criteria and other essential requirements.
2. Contact HDFC Bank Relationship Manager:
   • If you have an existing relationship with HDFC Bank, reach out to your Relationship Manager (RM). The RM can assist you in navigating the application process or submit a recommendation for you to receive an invitation.
3. Apply via HDFC Website:
   • In case you do not receive an invitation but still meet the eligibility criteria, you can directly apply for the Infinia Credit Card through the HDFC Bank website by filling in the required details. The application form requires you to provide personal information such as:
     • Income details
     • Proof of employment or business
     • PAN card or Aadhaar card
     • Bank statements for the last six months
4. Submit Required Documents:
   • To support your application, you must submit the necessary documentation, including:
     • Income proof (salary slips, tax returns)
     • Identity proof (PAN card, Aadhaar card, passport)
     • Address proof (utility bills, rent agreement)
   • Ensure that all documents are up-to-date and accurate.
5. Wait for Approval:
   • The bank will review your application, and if you meet the required standards, you will receive the HDFC Infinia Credit Card. The process may take several days, and the bank may contact you for additional verification.

Key Benefits of HDFC Infinia Credit Card

The HDFC Infinia Credit Card offers unparalleled advantages, making it one of the most premium cards available. Here’s a breakdown of its key benefits:

1. Unlimited Reward Points:
   • Unlimited reward points are a standout feature of the card. You earn 5 reward points for every ₹150 spent. Additionally, these points never expire, allowing you to accumulate them over time and redeem them for high-value rewards.
2. Complimentary Airport Lounge Access:
   • Enjoy complimentary access to over 1,000 airport lounges worldwide, along with Priority Pass membership, making your travel experiences more comfortable and luxurious.
3. Travel and Hotel Privileges:
   • Get exclusive deals and discounts on luxury hotels, restaurants, and flight bookings through the Infinia Travel & Concierge Services. With this card, you can enjoy the best travel experiences, whether you’re flying first class or staying at a five-star resort.
4. Insurance Benefits:
   • The HDFC Infinia Credit Card also offers comprehensive insurance coverage, including travel insurance, air accident insurance, and lost baggage insurance, providing peace of mind during your travels.
5. Concierge Services:
   • With 24×7 concierge services, you can book flights, make hotel reservations, or plan events at your convenience. The concierge team provides personalized assistance tailored to your needs.
6. Exclusive Dining Offers:
   • The Infinia Credit Card provides access to exclusive dining privileges, including dining discounts at top restaurants in India and worldwide. You can also benefit from the Good Food Trail Program, which offers exclusive dining experiences.
7. Fuel Surcharge Waiver:
   • Enjoy a fuel surcharge waiver of up to ₹1,000 per billing cycle. This waiver applies to fuel transactions between ₹400 and ₹1,000, making the card highly convenient for regular use.
8. Golf Privileges:
   • Cardholders are entitled to complimentary golf games at some of the finest golf courses worldwide. You can also participate in select golf tournaments as part of this exclusive offer.

Fees and Charges

The HDFC Infinia Credit Card comes with specific fees and charges, which need to be considered before applying:

1. Joining Fee:
   • The card has a joining fee of ₹12,500 + taxes, though this fee may be waived for HDFC’s existing HNI customers based on their relationship with the bank.
2. Annual Fee:
   • The annual fee is ₹12,500 + taxes, but this is waived off if you spend ₹10 lakhs or more in the previous year.
3. Interest Rates:
   • Interest rates on the HDFC Infinia Credit Card are 2.5% per month or 30% annually. It is essential to make timely payments to avoid these high-interest rates on outstanding balances.
4. Foreign Transaction Fee:
   • The card levies a foreign currency transaction fee of 2% on all international transactions.

Tips for Increasing Your Chances of Approval

To enhance your chances of getting approved for the HDFC Infinia Credit Card, keep the following tips in mind:

1. Maintain a Strong Credit Score:
   • Ensure that your credit score is above 750 by regularly checking your credit report and maintaining healthy financial habits. Avoid late payments or defaults.
2. Increase Your Income:
   • If your income is below the required threshold, consider consolidating all your financial assets, such as fixed deposits and mutual funds, with HDFC Bank to strengthen your relationship with them.
3. Hold an HDFC Premium Credit Card:
   • If you already have a premium credit card from HDFC Bank, such as the HDFC Regalia or Diners Club Black, the bank may offer an automatic upgrade to the Infinia Credit Card.
4. Build a Relationship with HDFC:
   • Establish a long-term banking relationship with HDFC by opening multiple accounts, maintaining a high balance, and using other banking services. This increases your chances of receiving an invitation for the Infinia card.