{
  "id": "hdfc-infinia",
  "locale": "hinglish",
  "name": "HDFC Bank Infinia Credit Card",
  "bank": "HDFC Bank",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹12,500 + GST",
  "loungeAccess": "Unlimited (Self + Guest, Domestic & International via Priority Pass)",
  "rewardsRate": "3.3% base · up to 33% on SmartBuy · Unlimited Global Lounges",
  "bestFor": "Existing cardholders jo classic PVC Infinia par 33% SmartBuy travel multipliers & 1:1 air miles enjoy kar rahe hain",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/infinia-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹12500) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3.3,
  "affiliateId": "hdfc-infinia",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Essential costs and benefit conditions need accepted evidence; no complete savings estimate is available"
    }
  },
  "sources": [
    "HDFC Bank — Credit Card Terms schedule, clause 7.4",
    "HDFC SmartBuy portal — redemption limits page",
    "HDFC Bank — Classic Infinia product terms and fee schedule",
    "HDFC Bank — Cardholder Communication on FY27 Infinia Retention Criteria"
  ],
  "feeWaiver": "₹10L annual spend par fee waive",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Card Material",
      "value": "Premium PVC Plastic"
    },
    {
      "key": "Base Rate",
      "value": "3.3% (5 pts / ₹150)"
    },
    {
      "key": "Top Rate",
      "value": "33% on SmartBuy"
    },
    {
      "key": "Fee Waiver",
      "value": "₹10L a year"
    },
    {
      "key": "Retention Criteria",
      "value": "₹18L Retail Spend OR ₹50L RLV"
    },
    {
      "key": "Lounge",
      "value": "Unlimited via Priority Pass"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "10,000 Reward Points (PVC)"
    }
  ],
  "earnRates": [
    {
      "category": "Flights & Hotels (direct)",
      "rate": "3.3%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Online Shopping (direct retail)",
      "rate": "3.3%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "SmartBuy Hotels & Instant Vouchers",
      "rate": "33.0% (10× Multiplier)",
      "monthlyCap": "15,000 bonus pts / month",
      "perLakhSpent": "₹33,000"
    },
    {
      "category": "SmartBuy Flight Bookings",
      "rate": "16.5% (5× Multiplier)",
      "monthlyCap": "15,000 bonus pts / month",
      "perLakhSpent": "₹16,500"
    },
    {
      "category": "Offline Retail & Dining",
      "rate": "3.3%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Utilities & Insurance",
      "rate": "3.3% (Base rate applies)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SmartBuy Hotels & Vouchers",
      "multiplier": "10×",
      "rate": "33.0%",
      "monthlyCap": "15,000 bonus pts / month",
      "dailyCap": "—",
      "note": "SmartBuy par hotel bookings aur brand vouchers par 10×."
    },
    {
      "channel": "SmartBuy Flight Bookings",
      "multiplier": "5×",
      "rate": "16.5%",
      "monthlyCap": "15,000 bonus pts / month",
      "dailyCap": "—",
      "note": "SmartBuy par flight bookings par 5×."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "SmartBuy Flights & Hotels",
      "value": "₹1.00 / Point",
      "minPoints": "1 Point",
      "ceiling": "₹1,50,000 / month",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "1:1 Air Miles (KrisFlyer, BA, Accor)",
      "value": "₹1.00–₹1.50 / Point",
      "minPoints": "1 Point",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Apple & Tanishq via SmartBuy",
      "value": "₹1.00 / Point",
      "minPoints": "1 Point",
      "ceiling": "Up to 70% of product value",
      "fee": "Nil",
      "isBest": false
    },
    {
      "route": "Cashback / Statement Credit",
      "value": "₹0.30 / Point",
      "minPoints": "1 Point",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments — 0% reward points aur fee waiver calculation se excluded.",
    "Wallet loads aur prepaid top-ups par 0%.",
    "Fuel spends — no reward points (₹400–₹5,000 par 1% fuel surcharge waiver).",
    "Government tax payments aur utility fees.",
    "EMI transactions.",
    "Cash advances, balance transfers aur unpe lagne wale finance charges/interest."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹12,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹12,500 + GST (Waived at ₹10L annual spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges (Revolving Interest)",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    },
    {
      "item": "Cash Withdrawal Fee",
      "value": "2.5% (minimum ₹500)"
    },
    {
      "item": "Fuel Surcharge Refund",
      "value": "1% on ₹400–₹5,000 (max ₹1,000 / cycle)"
    },
    {
      "item": "Card Replacement",
      "value": "Free"
    },
    {
      "item": "Add-on Cards",
      "value": "Free (Up to 3 cards)"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Status",
      "requirement": "Existing cardholders only (Naye invites par Infinia Metal milta hai)"
    },
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹36 Lakhs net annual income, or existing HDFC credit limit >₹8L"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹60 Lakhs per annum"
    },
    {
      "criteria": "Relationship Value",
      "requirement": "Imperia / Preferred Banking relationship"
    },
    {
      "criteria": "Annual Retention Hurdle",
      "requirement": "₹18 Lakhs retail spend (excl. rent, fuel, utilities, wallet) OR ₹50 Lakhs Total Relationship Value (RLV)"
    },
    {
      "criteria": "Non-Compliance Action",
      "requirement": "Diners Club Black Metal Edition mein force downgrade ya card closure"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}