HDFC Infinia Reserve Credit Card 2025
Get over ₹60,000+ value with unlimited lounge + 2% forex + premium travel perks!
Ultimate super-premium card! HDFC Infinia Reserve gives unlimited lounge access, 2% forex markup, 5X reward points, and luxury hotel & golf benefits.
Perfect for elite global travelers!
Why Choose HDFC Infinia Reserve in 2025?
Unlimited lounge • Priority Pass • 2% forex • 5X everywhere • Golf rounds • Hotel upgrades • Club Vistara Gold
Best for: Ultra-high spenders, luxury travelers, status seekers
₹12,500 JOINING FEE – Priority Pass + 20,000 Welcome Points!
Card At a Glance
₹12,500
₹12,500
5X All Spends
Unlimited + Priority Pass
2%
20,000 Points
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Reward Points | 5 RP per ₹150 |
| Forex Markup | 2% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (up to ₹500) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5 reward points per ₹150 on ALL spends
- 1 RP = ₹1 (travel redemption)
- 20,000 welcome points worth ₹20,000
- Milestone: 30,000 RP on ₹10L spends
- No expiry on reward points
Airport Lounge Access
- UNLIMITED domestic lounge access
- Complimentary Priority Pass (international)
- Unlimited guest visits
Insurance & Protection Benefits
- ₹3 Crore air accident cover
- ₹1 Crore personal accident cover
- ₹1 Crore emergency hospitalization
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounge + guests | ₹12,500 high fee |
| 2% forex markup | No fee waiver |
| Priority Pass included | Very high income req. |
| 5X everywhere | Invite-only |
| 20K welcome points |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹50 Lakh
- Credit Score: 800+ required
- Invite-only card
- Documents: PAN, Aadhaar, ITR
How to Apply Online (3-Minute Process)
- Receive HDFC invite
- Visit Infinia Reserve page
- Fill ultra-high income details
- Video KYC verification
- Metal card + Priority Pass in 15 days
Final Verdict – Should You Get It in 2025?
Best super-premium card! Unlimited lounge + 2% forex + 1:1 travel redemption = ₹60,000+ value. Perfect for elite travelers!
Frequently Asked Questions (FAQs)
Truly unlimited lounge + guests?
Yes! Domestic + international Priority Pass.
2% forex markup?
Yes! Excellent for global spending.
1:1 travel redemption?
Yes! Best redemption value in India.
Invite-only card?
Yes! HDFC selects high spenders.
₹50L+ income needed?
Yes! Ultra-premium eligibility.