HDFC Infinia Credit Card: Ek Premium Card Jo Aapki Lifestyle Ko Badal De!
Agar aap ek aisa credit card dhundh rahe hain jo aapki luxurious lifestyle ko match kare aur har transaction mein value add kare, toh "HDFC Infinia Credit Card" aapke liye perfect choice ho sakta hai! Yeh India ka one of the most premium credit cards hai, jo travel, dining, shopping, aur lifestyle benefits ke saath aata hai. Is card ke saath aapko na sirf status milta hai, balki har spend par shandaar rewards bhi milte hain. Chaliye, is article mein hum HDFC Infinia ke features, benefits, eligibility, aur application process ke baare mein detail mein baat karte hain, taaki aap decide kar sakein ki yeh card aapke liye hai ya nahi!
HDFC Infinia Credit Card Kya Hai?
HDFC Infinia ek super-premium credit card hai jo HDFC Bank ne high-net-worth individuals (HNIs) ke liye design kiya hai. Yeh card aapko "unlimited lounge access", "high reward rates", aur "exclusive lifestyle perks" deta hai. Chahe aap frequent traveler ho, foodie ho, ya shopping lover, yeh card har category mein aapko faida deta hai. Iska "Metal Edition" bhi available hai, jo ek sleek aur premium look ke saath aata hai.
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Key Highlights of HDFC Infinia Credit Card
Reward Points: Har ₹150 ke spend par 5 reward points (3.33% reward rate).
SmartBuy Benefits: Flights, hotels, aur shopping par up to 10X reward points.
Travel Perks: Unlimited domestic aur international lounge access with Priority Pass.
Low Forex Markup: International transactions par sirf 2% markup fee.
Golf Benefits: Unlimited complimentary golf games aur coaching at select courses.
Dining Offers: Swiggy Dineout ke saath 10% extra discount on dining bills.
Insurance Covers: ₹3 crore accidental air death cover aur ₹50 lakh emergency hospitalization cover.
Yeh card un logon ke liye perfect hai jo apne spending se maximum value nikalna chahte hain aur ek luxurious lifestyle jeena pasand karte hain.
HDFC Infinia Credit Card Ke Benefits
HDFC Infinia Credit Card ke benefits itne shandaar hain ki yeh card har high-spender ka dream bana hua hai. Chaliye dekhte hain iske kuch top benefits:
1. Travel Benefits
- Unlimited Lounge Access: Aap aur aapke add-on cardholders ko Priority Pass ke saath 1000+ international lounges aur India ke domestic lounges mein unlimited free access milta hai.
- Low Forex Markup: International transactions par sirf 2% markup fee, jo premium cards mein sabse kam hai.
- Air Miles Conversion: Reward points ko 1:1 ratio mein leading airlines jaise Etihad, Air Canada, Air France, aur Air India ke air miles mein convert kar sakte hain.
2. Reward Points Program
- Har ₹150 ke spend par "5 reward points" milte hain, jo fuel transactions ko chhodkar har category par apply hote hain.
- SmartBuy Portal: Is platform par flights, hotels, aur gift vouchers book karne par "10X reward points" (up to 33% value-back) milte hain.
- Redemption Options: Points ko flights, hotels, Apple/Tanishq vouchers, ya cashback ke liye redeem kar sakte hain (1 RP = ₹1 for travel bookings).
3. Lifestyle Benefits
- Club Marriott Membership: First year ke liye complimentary membership, jisme 20% off on dining, stays, aur spa services at Marriott hotels milta hai.
- Swiggy Dineout Offer: 35,000+ restaurants par 10% extra discount dining bills par (valid till 31st Dec 2025).
- Golf Privileges: Unlimited complimentary golf games aur coaching at top golf courses in India aur abroad.
4. Safety and Insurance
- Accidental Air Death Cover: ₹3 crore ka cover.
- Emergency Hospitalization: International travel ke dauraan ₹50 lakh tak ka cover.
- Credit Shield: Permanent disability ya accidental death ke case mein ₹9 lakh ka cover.
HDFC Infinia Credit Card Ke Liye Kaise Apply Karein?
HDFC Infinia Credit Card ek "invite-only" card hai, yani aap directly iske liye apply nahi kar sakte. Lekin, agar aap eligible hain, toh bank aapko invite bhej sakta hai. Application process yeh raha:
Online Application Process
1. Check Eligibility: HDFC Bank ki website ya BankBazaar jaise platforms par apni eligibility check karein.
2. Contact Customer Care: Toll-free number "1800 266 3310" ya email "infinia.services@hdfcbank.com" par contact karein.
3. Submit Details: Agar aap eligible hote hain, toh bank aapko application form bheje ga, jisme KYC aur income details daalne honge.
4. Verification: Bank aapke documents verify karega aur approval ke baad card issue kiya jayega.
Offline Application Process
Visit Branch: Apne nearest HDFC Bank branch mein jayein aur Relationship Manager (RM) se baat karein.
Submit Documents: Required documents ke saath application form fill karein.
Follow Up: Bank aapke application ko process karega aur aapko update dega.
Note: Yeh card un logon ke liye reserved hai jo high income aur excellent credit history rakhte hain. Agar aapke paas already HDFC ka koi premium card (jaise Regalia) hai, toh aap upgrade ke liye request kar sakte hain.
Important Documents for HDFC Infinia Credit Card
HDFC Infinia ke liye apply karte waqt aapko in documents ki zarurat hogi:
- Identity Proof: Aadhaar Card, Passport, ya Driving License.
- Address Proof: Aadhaar Card, Passport, ya Utility Bill.
- Income Proof: Latest ITR, salary slips, ya Form 16.
- PAN Card: Ya Form 60 (if PAN nahi hai).
- Photographs: 2 passport-size photos.
- Duly Filled Application Form: Bank ya online portal se milega.
Yeh documents bank ke verification process ke liye zaroori hain.
Eligibility Criteria for HDFC Infinia Credit Card
HDFC Infinia ek exclusive card hai, isliye iski eligibility criteria bhi strict hai:
- Age: Primary cardholder ke liye 21 se 70 years, aur add-on cardholder ke liye 15 years se zyada.
- Income: Minimum annual income ₹45 lakh (ITR basis) ya net monthly income ₹3 lakh se zyada.
- Credit Score: Excellent credit score (800+ recommended).
- Bank Relationship: Agar aap HDFC ke Imperia customer hain ya koi premium card hold karte hain, toh chances zyada hote hain.
- Invite-Only: Card ke liye bank ka invitation zaroori hai.
Pro Tip: Agar aapke paas high spending history (₹5-8 lakh per annum) aur strong relationship with HDFC Bank hai, toh aapke chances badh sakte hain.
Fees and Charges
HDFC Infinia ke fees aur charges bhi premium hain, lekin benefits ke saamne yeh justified lagte hain:
Joining Fee: ₹12,500 + GST.
Annual Fee: ₹12,500 + GST (waived if annual spend ≥ ₹10 lakh).
Foreign Currency Markup: 2% (industry mein sabse kam).
Interest-Free Period: Up to 50 days.
Fuel Surcharge Waiver: ₹400-₹1,00,000 ke transactions par 1% waiver (no reward points on fuel).
Additional Features
Contactless Payments: Fast aur secure transactions ke liye card contactless hai (₹5000 tak PIN nahi chahiye).
Concierge Service: 24/7 global concierge service travel bookings, dining reservations, aur gift delivery ke liye.
Reward Points Validity: 3 years from the date of accumulation.
FAQs About HDFC Infinia Credit Card
1. HDFC Infinia Credit Card kaun apply kar sakta hai?
Yeh card invite-only hai aur high-income individuals (minimum ₹45 lakh annual income) ke liye hai. Aapko excellent credit score aur HDFC ke saath strong banking relationship chahiye.
2. Kya HDFC Infinia ke reward points expire hote hain?
Haan, reward points 3 years ke liye valid hote hain.
3. Kya international lounge access add-on cardholders ke liye bhi free hai?
Haan, primary aur add-on cardholders dono ko unlimited international lounge access milta hai via Priority Pass.
4. SmartBuy par reward points kaise redeem karein?
SmartBuy portal par login karein, flights ya hotels book karein, aur up to 70% booking amount reward points se pay kar sakte hain (1 RP = ₹1).
5. Kya annual fee waive ho sakti hai?
Haan, agar aap ek saal mein ₹10 lakh ya zyada spend karte hain, toh annual fee waive ho jati hai.
Conversational Keywords
- HDFC Infinia Credit Card
- Premium Credit Card India
- Best Travel Credit Card
- Reward Points HDFC Infinia
- Unlimited Lounge Access
- SmartBuy Rewards
- Low Forex Markup Fee
- Club Marriott Membership
- Golf Benefits India
Why Choose HDFC Infinia Credit Card?
Agar aap ek aisa card chahte hain jo aapki lifestyle ko elevate kare aur har spend par shandaar returns de, toh HDFC Infinia ek unbeatable choice hai. Iska high reward rate, unlimited lounge access, aur exclusive lifestyle benefits isse India ka top credit card banate hain. Lekin yaad rakhein, yeh card sirf unhi ke liye hai jo high spending aur premium services ke liye ready hain.
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