HDFC Infinia Credit Card Eligibility 2026: Income, Criteria, Invite Policy & How to Qualify

The HDFC Infinia Credit Card Eligibility page is your go-to guide if you're eyeing one of India's most exclusive super-premium credit cards in 2026.

The HDFC Infinia (including the popular Metal Edition) remains a top-tier, invite-only card designed for high-net-worth individuals with strong financial profiles and a solid relationship with HDFC Bank.

It comes with no publicly fixed minimum income or age thresholds; the bank decides based on internal assessments, but expects very strict scrutiny on income, credit history, spending, and banking ties.

HDFC hasn't published exact universal cut-offs, and eligibility is always at the bank's discretion. Recent updates (like higher thresholds for fee waivers and retention) show the bank is tightening rules for premium products, but the core invite-only nature holds.

What is HDFC Infinia Credit Card?

The HDFC Infinia is HDFC Bank's flagship super-premium credit card, positioned at the very top of their lineup. It's aimed at high-income earners and big spenders who value luxury perks.

• It's a true super-premium card, often called the best in HDFC's portfolio for rewards and lifestyle benefits.
• Available primarily as the Infinia Metal Edition — a sleek metal card variant with enhanced exclusivity.
• Usually offered by invitation only, not through regular applications.

Key highlights to set the context: unlimited airport lounge access (domestic and international), high reward rates on spends, luxury hotel privileges, travel perks, and more. It's built for those who spend heavily and want maximum value from a premium card.

HDFC Infinia Credit Card Eligibility Criteria

Since it's invite-only, HDFC Bank doesn't list rigid public criteria like many other cards. Instead, they evaluate your overall profile, including age, residency, occupation, banking relationship, income, credit score, and more.

Basic Eligibility – Age, Residency, Occupation

• Age: Typically 21–60 years for salaried primary cardholders (up to 65 for self-employed in general HDFC cards, but Infinia is stricter due to its premium nature).
• Residency: Resident Indians or NRIs with strong ties (some premium cards are open to NRIs).
• Occupation: Open to salaried employees, self-employed professionals, and business owners, but your stability and income proof matter a lot.

Invite-Only Policy and Relationship-Based Eligibility

The biggest factor: HDFC Infinia is strictly invite-only. You can't apply directly on the website; the bank reaches out if you fit their internal parameters.

• Existing HDFC customers with a strong relationship (high Relationship Value or RLV/TRV across deposits, investments, etc.) get priority.
• Upgrades often come from lower-tier premium cards like Regalia, Diners Club Black, or others, based on your spend patterns and repayment history.
• For the Metal Edition, it's tied even more to high-value banking relationships (e.g., Imperia, Preferred, or Infiniti programs) and internal invites.

Recent communications emphasize relationship strength; for example, high RLV (like ₹50 lakh for certain retention rules) plays a role in ongoing access.

Income Requirement for HDFC Infinia Credit Card

HDFC doesn't disclose a single fixed income figure, it's profile-based and varies.

• Market understanding points to very high annual income, often in the high 7-figure or 8-figure range (INR) for new applicants.
• Recent reports (from 2024–2025 updates) suggest salaried private-sector individuals need around ₹5 lakh net monthly salary, government employees ₹3.5 lakh, and self-employed an ITR of ₹60 lakh or equivalent.
• For existing HDFC customers, the criteria can be relaxed if you have strong spending, high limits on other cards, and a solid relationship value.

New-to-bank applicants face the toughest bar.

Credit Score and Credit History Criteria

Expectations are high for a card with such generous limits and benefits:

• Strong credit score, ideally 750+ (many successful cases hover around 780–800+).
• Clean history: No recent defaults, settlements, or delinquencies.
• Low credit utilization and minimal recent hard inquiries.

The bank is extra cautious because of the high credit exposure.

Banking Relationship & Spending Requirement

This is often the make-or-break:

• High average balances, deposits, FDs, investments (contributing to RLV, Relationship Value).
• Existing HDFC credit card(s) with high limits and consistent high spending.
• Large spends of over 6–12 months can trigger upgrade invites.

Example: Someone with an HDFC premium card, annual spends of ₹10–20 lakh+, and Imperia/Preferred status is far more likely to get an Infinia invite than a standalone applicant.

HDFC Infinia Credit Card Eligibility for Salaried vs Self-Employed

HDFC Infinia Credit Card Eligibility for Salaried Employees

Salaried folks often have an edge if income is stable and credited to an HDFC account.

• High fixed monthly salary (aligned with the high thresholds mentioned).
• Stable job history.
• Salary account with HDFC helps build relationship value.

Recommended proof: Salary slips (last 3–6 months), Form 16, bank statements showing credits.

HDFC Infinia Credit Card Eligibility for Self-Employed & Business Owners

Self-employed individuals face higher scrutiny due to variable income.

• Stronger ITR requirement (often higher than salaried equivalents).
• 2–3 years of consistent profitable business.
• Audited financials preferred.

Documents: Latest ITR acknowledgments, profit & loss statements, balance sheets, GST returns.

HDFC Infinia Metal Edition Credit Card Eligibility

The Metal Edition is essentially the same product but in a premium metal form factor.

• Still invite-only.
• Often linked to top-tier programs like Imperia/Preferred/Infiniti.
• May require high TRV/RLV (Total/Relationship Value — average balances across savings, current, FDs, etc.).
• Final call always rests with HDFC — they assess and invite personally.

Documents Required for HDFC Infinia Credit Card Application

When invited, you'll need to submit:

1. Identity proof: Aadhaar, PAN, Passport, Driving Licence.
2. Address proof: Aadhaar, Passport, utility bills.
3. Income proof:
   1. Salaried: Salary slips, Form 16, bank statements.
   2. Self-employed: ITRs, audited financials, GST returns.
4. Passport-size photos (if required).
5. Application/upgrade form or digital consent.

How to Get HDFC Infinia Credit Card – Practical Steps

You can't force an invite, but you can position yourself better:

• Start with an HDFC premium card — Apply for Regalia, Diners Black, or similar if you qualify.
• Build strong usage — High monthly spends on your HDFC card(s), always pay in full and on time.
• Strengthen banking ties — Move salary, deposits, FDs, investments, and loans to HDFC.
• Boost credit score — Keep utilization low (<30–40%), pay everything on time, limit new applications.
• Monitor for offers — Check NetBanking, app, emails, or RM messages for upgrade invites.
• Talk to your RM — If your profile is strong, request them to escalate for Infinia consideration.

Note: Even if you hit unofficial benchmarks, the bank can decline, it's their call.

HDFC Infinia Credit Card Eligibility vs Other HDFC Cards

Here's a quick comparison to show why Infinia is tougher:

Common Reasons for HDFC Infinia Application Rejection

• Insufficient income/ITR relative to expectations.
• Low or borderline credit score.
• Limited or no HDFC banking relationship.
• Too many recent inquiries or high unsecured debt.
• Any repayment issues in history?

To fix: Build spends/relationship over time, pay down debt, wait for score recovery, and strengthen HDFC ties.

Tips to Improve Your Eligibility for HDFC Infinia

• Aim for a credit score above 750–800.
• Consolidate banking (salary, savings, investments) with HDFC.
• Use existing HDFC cards heavily but responsibly, full payments every month.
• Keep overall credit utilization low.
• Avoid new loans/cards right before seeking an upgrade.

Disclaimer:

The eligibility details mentioned above are based on publicly available information, market insights, and general banking practices. HDFC Bank does not publish fixed eligibility criteria for the Infinia Credit Card, and approval is strictly at the bank’s sole discretion. Income requirements, credit score expectations, and invitation eligibility may vary by individual profile and internal assessment. Always refer to official communication from HDFC Bank for final eligibility and approval decisions.