Joining Fee:
₹10000 +GST
Return Percentage:3% to 33%
Credit Card Overview
The plastic version of Infinia offering the same ultra-premium privileges—concierge, lounge access, milestone rewards, and luxury perks—at a slightly lower tier of exclusivity.
Best Suited For: Experience, Travel Booking, Hotel Transfer, Pay by Points
HDFC
Fees and charges at a glance
- Annual fee
- ₹10,000
- Joining fee
- ₹10,000
- Reward rate
- 3% to 33%
- Forex markup
- 2%
- Interest rate
- 23.88% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Infinia Plastic credit card — Earn Categories
Where you earn more
- PharmEasy via SmartBuy50 reward points / ₹150
A maximum of 15,000 accelerated Reward Points can be earned cumulatively on SmartBuy per calendar month. · Minimum ₹150 per transaction
- Duty Free (Adani One) via Smartbuy50 reward points / ₹150
A maximum of 15,000 accelerated Reward Points can be earned cumulatively on SmartBuy per calendar month. · Minimum ₹150 per transaction
Everyday rate
- Base Rewards5 Reward Points (reward points) / ₹150
Minimum ₹150 per transaction
17 more earning categories on this card
We track all 20 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- UPI
- Rent
- Fuel
- Education
- Government
- Wallets
- EMI