HDFC Infinia Credit Card Review Most Favorable Base Reward Rate

The HDFC Infinia Credit Card Review is undoubtedly the one that receives the most attention in our nation and, naturally, on my blog. Surprisingly, I didn't have a specific review for HDFC Infinia. So, I made the decision to evaluate it. Furthermore, it makes sense to check the current status of the once-favored credit card given the rise of Axis Magnus(Apply Now) and a number of devaluations on HDFC Infinia. 

   Image Credit by social media sites

Credit Card for HDFC Infinia.

• 12,500 taxes are required as a joining/annual fee. opted not to spend ten lakhs.

Rewards and advantages. 

•  Base Reward Rate: 3 points 3 percent (5 rewards on $150 spent). INR = 1RP (value). Fuel, wallet load, and EMI (EasyEMI and SmartEMI) expenditures do not earn reward points.
• Accelerated Reward Rate: 3x–10x Rewards Points (RPs) on HDFC SmartBuy, i. e. Reward rate ranges from 9 to 33 percent. The monthly and daily caps on SmartBuy reward point accumulation, however, might put a cap on the rate of rewards. 
•  Reward point cap for rent payments is 2000 RPs per month, i. e. 60,600 maximum per month spending. Rent payments won't earn any reward points as of January 2023. ).

No reward points will be awarded for rent payments. ). 

•  1 buffet dinner is served at specific ITC hotels. At participating ITC hotels, you can reserve a three-night stay and only pay for two. 
•  For primary and add-on cardholders, unlimited lounge access is available both domestically and abroad.

HDFC Infinia Credit Card Review , the requirements for eligibility. 

The HDFC Infinia Credit Card Review is an invite-only product, according to the bank's official position. However, there have been instances where individuals received this card after merely asking for it. Furthermore, the bank provided HDFC Infinia as an upgrade to many customers while HDFC Bank was prohibited from issuing credit cards (2020–2022).

 

The eligibility requirements are still a little hazy, but from my research on the internet, in conversations with customer service representatives, and on social media sites, I have learned the following. To qualify for this card, you must fulfill at least one of the requirements listed below.

 

• 3 lk in monthly take-home pay. 
•  Currently active HDFC credit card with an 8–10 lakh limit and 7-8 lakh in spending over the previous six months. 
•  the quantity of connections to the bank. i. e. the quantity of loan accounts, the balance of your SA, CA, or TD accounts, etc. 
•  a good relationship with your branch manager or RM.

Benefits of the HDFC Infinia Credit Card Review

most favorable base reward rate. 

HDFC Infinia has the highest base reward rate in the market at 3 points and 3 percent. Only HDFC Diners Black and StanC Ultimate can compare. Axis Magnus, the current favorite, has a base reward rate of just 1 point 2 percent.

 

increased SmartBuy reward rate. 

On the HDFC Infinia credit card, the HDFC SmartBuy portal offers 3–10 times the usual reward points. Here is where HDFC Infinia really shines. For doing anything and everything on Smartbuy, you receive accelerated reward rates. 

If you travel frequently, booking hotels will reward you with a 33 point 3 percent rate. Booking a flight or a bus will result in a 16 percent reward rate. Booking a flight or a bus will result in a 16 percent reward rate. Even purchasing a train ticket through IRCTC will yield a reward rate of close to 10%.

SmartBuy gift cards have a 16 point 5 percent reward rate. The many everyday purchases that can be made with these brand vouchers. Amazon, Flipkart, Croma, Vijay Sales, Tata Cliq, Reliance Smart, BigBasket, Blinkit, Swiggy, Zomato, Ola, and a number of other retailers offer gift cards for purchase. (Complete list available here).

 

Lounge access is unrestricted. 

One of the very few cards that provides unlimited access to lounges both inside and outside of India is HDFC Infinia once more. Additionally, all add-on cardholders receive unlimited access to lounges.

 

minimal forex markup of 2%. 

The forex markup for HDFC Infinia is only 2%. You may disagree, but some credit and debit cards have zero percent foreign exchange markup. Even after accounting for a 2.36 percent (2 percent GST) forex markup, HDFC Infinia's reward rate of 3.3 percent still amounts to nearly a 1 percent reward rate for international purchases.You can also receive a 1 point 95 percent reward rate if you sign up for HDFC's Global Value Program. The 1 percent is a feature of the Global Value Program and takes the form of cashback.

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