Are you familiar with the most expensive credit card in India? People who love luxury, exclusivity, and privileges need to learn about this particular credit card and the facilities offered by this card.
In this blog post, you will come to know about expensive credit cards in India, the benefits of owning them, eligibility, etc. Let me first explain the need for having these credit cards and how the financials must be best handled before applying for this elite credit card. Consultation with a DSA partner can surely help you in this process.
What is the Most Expensive Credit Card in India?
Right now, HDFC Infinia Credit Card is the most prestigious credit card in India. The annual fee is way too much than any other card presents in the market. Although the fees are way too much, you will also have a number of benefits using this particular card that is not available for any other cards in India.
Some of the Eligibility Criteria for Getting This Credit Card
If you want to apply for an HDFC Infinia credit card, you must learn about the strict eligibility criteria-
- Income Certificate
The person applying for this particular credit card should have an annual income of over 50 lakhs annually. If you don’t have that much earnings, it is better to look for another credit card.
- Importance of Credit Score
Having a high credit score is also important. Essentially, you must have a credit score of over 750. There are multiple ways to have a high credit score. Check those methods and have a strict financial routine to maintain the score.
- Invitation Only
In most cases, HDFC bank invites people to have this particular credit card. You need to be their priority customer to have this invitation.
- Relationship with the Bank
Finally, having a good relationship with the bank will surely help you in the long run. When they trust you, it will be easy for you to have approval.
What Are the Benefits You Can Have from an HDFC Infinia Credit Card?
Once you get an HDFC Infinia credit card, it will get you a number of benefits. Here are a few important benefits you will have from that particular credit card-
- Let’s start with a simple one. With the Infinia card, you can access any domestic or international airport lounge any number of times. This feature is available for both primary and add-on customers.
- Do you have any idea about the reward point system? Here, you will earn 5 points on spending approximately 150 Rs. Further, you can use that point for shopping, travelling and more.
- Full concierge services are available on travel bookings, reservations, and luxury features.
- Do you love playing golf? You can go to any golf club in India or abroad to have a good time.
- When you forget about your credit card, you can have a replacement in just a few days.
- When you are traveling abroad frequently, this credit card can give you a better exchange rate. On average, it will save a lot of your money.
- Choose any luxury restaurant in India and have discounts of up to 20% on your total bill. This much freedom is not possible with other credit cards.
- Your accidental air death insurance coverage will automatically be increased to 3 Crore.
These are some of the prominent benefits that you can have. Once you start using them, you will get to know many more about them. Visit the app for DSA for help in learning about the best loan and credit options in India.
Some of the Important Factors That You Must Know About These Cards
Before applying for a credit card, we must understand a few important aspects about the credit card you have chosen-
- Almost every credit card comes with an annual fee and some taxation. As you are looking for a high-end credit card, the cost will also be higher. check all the details and then get the card.
- After getting the card, don’t start overspending. It might cause trouble to your financial aspect.
- Rate of interest is something we all need to be aware of.
Learning about these things is enough for you to apply for a credit card. Don’t forget to get professional help if needed.
