HDFC INFINIA METAL CREDIT CARD

Hello friends! I'm excited to share that I have recently received the HDFC Infinia Metal Credit Card, which is an exclusive invite-only credit card offered by HDFC Bank. This card stands out not only because of its impressive features but also due to its unique design. The card is quite heavy and crafted from high-quality metal, giving it a luxurious feel. As you can see in the image below, I received a total of five boxes—two for primary cardholders and three for add-on cardholders.

For those interested in the specifics, the features of the card can easily be found through a quick Google search. However, I want to highlight the aspects that truly make the Infinia card one of the best options available in the credit card market today. From exceptional rewards programs to unparalleled customer service, this card offers a plethora of benefits that can enhance your spending experience. Stay tuned as I delve deeper into what makes this credit card a standout choice for anyone looking to elevate their financial journey!

Customer care service at HDFC Bank is truly exceptional. Whenever I reach out for assistance, they promptly pick up the call, ensuring that my concerns are addressed without any unnecessary delays. I particularly appreciate the convenience of their HDFC Priority line, which eliminates the frustrating process of navigating through multiple options on the keypad just to connect with a customer representative. This streamlined approach makes the experience much more user-friendly.

Moreover, their grievance redressal system is quite effective. While it may take some time to resolve certain issues, I have found that the majority of my queries—approximately 8 out of 10—are addressed with a positive and helpful response. The representatives are knowledgeable and eager to assist, which gives me confidence in their ability to resolve my concerns. Overall, my experience with HDFC Bank's customer service has been overwhelmingly positive, making banking with them a hassle-free experience.

The Infinia card offers unlimited access to international lounges through the Priority Pass program and domestic lounges via Dreamfolks. While it does not allow for guest access, it does provide the same lounge access benefits to additional add-on cards, ensuring that your companions can enjoy the amenities as well. This makes the Infinia card an excellent choice for frequent traveler's who value comfort and convenience during their journeys.

With the card, we receive a complimentary night and buffet at ITC hotels, along with a Club Marriott membership for the first year, which is an excellent perk. The membership offers enticing benefits, including 20-25% off on stays, dining, spa and various other services. At ITC hotels, we are presented with a 2+1 night offer, which means if you book for 2 days, you get an additional day free, making it a fantastic deal.

Let’s consider the ITC Maratha hotel as an example; each day’s room price is approximately 15,000 rupees. Therefore, for a 2-day stay, we would normally pay 30,000 rupees. However, thanks to the HDFC Infinia card, we can enjoy 3 days for the same price of 30,000 rupees. This effectively means that we are paying only 10,000 rupees per day for an incredible experience, which is a significant saving and a great value for money.

With Infinia, we enjoy an impressive 33.3% rewards back for booking hotels through the Smart Buy portal. For example, if we book a hotel for 50,000 through Smart Buy, we receive a significant benefit of 16,650 in rewards. As a result, the effective price we pay for the hotel will only be 33,350, thanks to the advantageous 1:1 reward ratio that enhances our overall savings. This makes traveling more affordable and rewarding for all users.

With Infinia, we earn an impressive 16.7% rewards back when booking flights through the Smart Buy portal. For example, if we book a flight costing 50,000 through Smart Buy, we will receive a substantial benefit of 8,350 in rewards. Consequently, the effective price we pay for the flight will be reduced to just 41,650, thanks to the advantageous 1:1 reward ratio that Infinia offers. This makes it an excellent option for travelers looking to maximize their rewards.

Can check reward benefits through this savings calculator provided by HDFC - https://offers.smartbuy.hdfcbank.com/v1/savings_calculator

For every 150 rupees we spend, we earn a reward point equivalent to 5 rupees. This translates to a reward rate of approximately 3.33%. I have noticed that nowadays, many shopkeepers often request an additional 1-2% charge when customers choose to use a credit card for their purchases. Therefore, if we use this particular card, we still find ourselves in a profitable position, benefiting from an overall gain of 1.33% to 2.33% after accounting for the extra charges. This makes it a worthwhile option for savvy shoppers.

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HDFC INFINIA MASTERCARD OR HDFC INFINIA VISA

I am already holding several premium credit cards, including the ICICI Times Black, Yes Bank Marquee, and SBI Aurum with the Visa Infinite variant. As a result, I have decided to convert my HDFC Infinia Mastercard network to the HDFC Infinia Visa Infinite variant for better compatibility and benefits.

From my experience, Visa works smoothly and efficiently, and there is no specific reason that prompted my conversion to the HDFC Infinia Visa variant.

If you are interested in making a similar change, you can easily do so by calling HDFC Priority customer care, where they will assist you in the process of getting your card changed to the desired variant.

Remember if primary holder is converting its network, then all other addon cards network will get changed and you will be issued with new credit cards.

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In conclusion, this card is an excellent choice to have if you need convenient access to lounges, golf courses, hotels, and other premium services. If we compare this card with the ICICI Emerald Private, I will definitely prefer the Infinia card over the Emerald option. This preference is primarily due to the high-quality service I consistently receive from HDFC Bank in our area, making it a more favorable choice for my needs.

How To Get Card?

If you're interested in obtaining the HDFC Infinia credit card, the first step is to visit any HDFC bank branch, then ask for HDFC Infinia credit card, you will get answer as 'No' with sad face. If they say no, don't be discouraged. Instead, ask to speak with the branch manager. When you meet with the manager, clearly explain why you need this premium card and highlight the reasons that make you eligible to hold such a prestigious credit card. They may inform you that acquiring this card is quite challenging, but if you possess strong convincing skills, there's a chance they might assist you in your application process.

It’s essential to understand that the credit card staff at the branch typically handle the issuance of more basic, entry-level credit cards. Therefore, the branch manager, who has more authority to get connected with the best person for getting this card, but only if you meet specific criteria. To qualify, you usually need to present a substantial income tax return (ITR) and prove that you have previously held premium cards such as the Regalia Gold or DCB Black.

If you don’t meet these criteria, an alternative route is to reach out to HDFC’s customer service and use their grievance redressal email system. In your communication, request the card and explain why you believe you deserve to be a holder of the Infinia card. It’s crucial to remain polite and professional; avoid threatening to withdraw funds or switch to another bank, as this could complicate matters.

If they accept your request, that’s great news! Generally, they will assess your application based on your Total Relationship Value (TRV) and spending history on previous credit cards. However, if your application is still denied, don’t be disheartened. Don't start applying for credit cards of other banks. During this time, use HDFC as your primary banking institution. After some time, give the Infinia card application another shot. Remember, your TRV, spending behavior on previous cards, and any loans from banks are significant factors in this process. If you haven't adhered to any of the mentioned guidelines, the chances of successfully obtaining the HDFC Infinia card will be exceedingly low.

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