HDFC Infinia Review: Is It Worth It for Travel Rewards in 2026?
Top-tier Travel card with 5× earn on travel and access to 3 transfer partners.
HDFC Infinia fee structure and eligibility
| Detail | Value |
|---|---|
| Annual fee | ₹12,500 |
| Joining fee | ₹12,500 |
| Welcome bonus | 12,500 points |
| Milestone bonus | 10,000 bonus points on ₹8L annual spend |
| Renewal benefit | 12,500 reward points on annual fee renewal |
| Fee waiver | Annual fee waived on ₹10L annual spend |
| Forex markup | 2% |
| Eligibility tier | Super-premium income (₹24L+/year) or existing relationship |
| Bank relationship | Required — existing HDFC account needed |
| Minimum spend to retain | From April 2026, spend ₹18L/year or maintain ₹50L RV to retain card |
HDFC Infinia airport lounge benefits
| Type | Visits | Network | Conditions |
|---|---|---|---|
| Domestic | Unlimited | Priority Pass + Diners Club | Included |
| International | Unlimited | Priority Pass | Included |
Unlimited domestic lounge access
HDFC Infinia earn rates by spend category
| Category | Earn Rate |
|---|---|
| Travel | 5 points per ₹150 |
| Dining | 5 points per ₹150 |
| Online | 5 points per ₹150 |
| Retail | 3.3 points per ₹150 |
| Fuel | 1 point per ₹150 |
| Other | 3.3 points per ₹150 |
Accelerated earn rates
| Category | Rate | Cap |
|---|---|---|
| Travel via SmartBuy | 10× per ₹150 | Uncapped |
| Dining via SmartBuy | 5× per ₹150 | Uncapped |
| Online via SmartBuy | 5× per ₹150 | Uncapped |
HDFC Infinia insurance coverage
- Air accident cover up to ₹3 crore, purchase protection
Where HDFC Infinia points transfer
| Program | Transfer Ratio |
|---|---|
| Singapore Airlines KrisFlyer | Check issuer portal for current ratio |
| British Airways Avios (Executive Club) | Check issuer portal for current ratio |
| Marriott Bonvoy | Check issuer portal for current ratio |
Transfer ratios change periodically. Always verify the current ratio on your HDFC rewards portal before initiating a transfer.
What HDFC Infinia does well
- High earn rate: 5 points per ₹150 on travel spends
- Wide transfer partner network with 3 airline and hotel programs
- Generous welcome bonus of 12,500 points
- 3.3× points on all spends — no capping
- 5× points on travel & dining categories
Where HDFC Infinia falls short
- High annual fee of ₹12,500 requires significant spend to justify
- Requires existing banking relationship — not available to walk-in applicants
- Poor fuel earn rate — not suitable as a primary fuel card
- High income requirement limits accessibility
HDFC Infinia earns across Singapore Airlines KrisFlyer and British Airways Avios (Executive Club). Pick your destination and see what your points unlock.
HDFC Infinia frequently asked questions
What is the annual fee for HDFC Infinia?
HDFC Infinia has an annual fee of ₹12,500 with a joining fee of ₹12,500. New cardholders receive 12,500 welcome bonus points.
What are the best spend categories for HDFC Infinia?
HDFC Infinia earns the highest rewards on travel spends at 5 points per ₹150. 3.3× points on all spends — no capping.
Which airline and hotel partners can I transfer HDFC Infinia points to?
HDFC Infinia points transfer to: Singapore Airlines KrisFlyer, British Airways Avios (Executive Club), Marriott Bonvoy. Transfer ratios vary by partner — check your issuer's portal for current rates.
Who should get the HDFC Infinia card?
HDFC Infinia is best suited for travel and all-round spenders. Super-premium income (₹24L+/year) or existing relationship.