Annual fee₹12,500+ GST
Forex markup2%
Interest1.99%a month
NetworkVisa / Mastercard
You earn
Perks & rules
What changed
1 Jul 2026SmartBuy voucher bonus capped at 3,000 points a month
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate5 points per ₹150 spent, including insurance, utilities and education
Higher rates
- SmartBuy: Up to 10X points on SmartBuy
Limits
- Up to 2,00,000 points per statement cycle
- SmartBuy bonus: up to 15,000 points a month (3,000 on vouchers)
- Insurance up to 10,000 points a month; grocery, utilities, telecom up to 2,000 a month each
- Earned only on spends in multiples of ₹150
Doesn't earn on
- Fuel, EasyEMI, wallet loads; reversed if converted to SmartEMI
- Rent, maintenance, packers & movers, government
- Education payments via third-party apps (CRED, Cheq, MobiKwik etc.)
- Online skill-based gaming
Where it landsNot stated in the documents read
What a point is worth
Value₹1 on SmartBuy flights/hotels and Apple/Tanishq; 1 airmile; up to ₹0.50 vouchers; up to ₹0.30 against your bill
Expiry3 years; all points lost if the card isn't used for 365 days
Redemption fee₹99 + GST per redemption
Welcome benefit
Welcome12,500 points and Club Marriott membership for the first year
Milestones
Milestones
- 12,500 points on renewal, after the fee is paid
Airport lounges
DomesticUnlimited, for primary and add-on cardholders
InternationalUnlimited via Priority Pass, for primary and add-on cardholders; guests US$27 + GST
Fuel
Fuel1% surcharge waiver from ₹400, up to ₹1,000 a statement cycle
Spending abroad
Forex markup2%
Fees
Joining fee₹12,500 + GST
Annual fee₹12,500 + GST
Fee waiverSpend ₹10 lakh in the year
If you pay late
Late feeNo late payment fee for Infinia
Interest1.99% a month (23.88% a year)
Cash withdrawalNo cash advance fee listed for Infinia
Who can apply
AgeInvite only
SalariedInvite only
Self-employedInvite only
More perks
Perks
- Unlimited golf games and lessons
- ITC hotels: 3 nights for the price of 2; 1+1 buffet
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Infinia product page Product page · 2 Oct 2026
- Infinia Reward Points T&C Card T&C · 1 Jul 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
- Infinia lounge programme Benefit T&C · 30 Sep 2025
Card image: HDFC Bank's own website.
