HDFC Infinia
HDFC · Super Premium · Visa
Annual Fee
₹12,500
Fee Waiver
None
Lounge Access
Unlimited
Best Rate
3.33%
Network
Visa
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
3.33%
✈️Travel
3.33%
🛒Online Shopping
3.33%
🥦Groceries
3.33%
💡Utilities
3.33%
🎬Entertainment
3.33%
🛍️Shopping
3.33%
⛽Fuel
0%
How Points Work
5 points/₹150 · 1pt = ₹0.20 cashback or ₹1.00 travel
💡
Redemption matters
Rate shown (3.33%) assumes travel redemption at ₹1/point. Cashback is only ₹0.20/point (0.66%). Always redeem via SmartBuy for max value.
🚀 Boosted Rates (Partners & SmartBuy)
SmartBuy (flights/hotels)up to 33.33%
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Unlimited lounge worldwide24/7 concierge10x on SmartBuyGolf 100+ courses
PROS
✅ Best all-round rate (3.33%)
✅ Unlimited lounge
✅ SmartBuy up to 33% on travel
CONS
⚠️ ₹12,500 fee
⚠️ Invite-only
⚠️ Fuel excluded
Affiliate links coming soon
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