Welcome benefit
Welcome benefits include 12,500 Reward Points on applicable fee realisation/conditions plus a first-year Club Marriott membership under the current proposition.
HDFC Bank
HDFC Bank INFINIA Metal Edition Credit Card
HDFC Bank's flagship metal card for high spenders seeking premium travel and high-value reward redemptions.
✓ SmartCheck VerifiedIssuer-source checked on 15 Jul 2025
This card has been manually reviewed against official issuer sources across fees, rewards, benefits, charges and application status.
VisaMastercardSuper PremiumTravelRewards
Best forHigh-spending travellers who can maximise SmartBuy rewards, premium travel benefits and high-value Reward Point redemptions.
- Annual fee
- ₹12,500Waived at ₹10 lakh annual spend
- Base rewards
- 5 HDFC Bank Reward Points / ₹150
- Forex markup
- 2%
- Lounge access
- Available
Credofly Verdict
Is this card a good fit?
INFINIA Metal remains one of India's strongest all-round premium cards when its rewards are redeemed efficiently. The combination of 5 points per ₹150, SmartBuy accelerators, unlimited lounge access and a 2% forex markup is compelling, but extracting maximum value requires understanding HDFC's redemption routes and caps.
What works well
- Strong base reward earning
- Up to 10X SmartBuy rewards
- Unlimited domestic and international lounge access
- 2% forex markup
- Premium golf and concierge benefits
- ₹10 lakh annual-fee waiver
Consider before applying
- ₹12,500 annual fee unless waived
- Reward Point value varies substantially by redemption route
- Accelerated rewards have programme caps
- Best value requires active SmartBuy optimisation
Rewards
How rewards work
- Reward type
- Reward Points
- Reward currency
- HDFC Bank Reward Points
- Base earn
- 5 HDFC Bank Reward Points per ₹150
Base rewards
Earn 5 Reward Points per ₹150 on eligible retail spends, including eligible insurance, utility and education transactions subject to programme rules and caps.
Accelerated rewards
Earn accelerated rewards of up to 10X through eligible SmartBuy transactions, subject to current category and programme caps.
Redeeming rewards
Reward Point value varies by redemption method. Eligible SmartBuy flight/hotel bookings and selected premium redemptions can offer value up to ₹1 per point, while catalogue, voucher and statement-credit values can be lower.
Reward exclusions
FuelRentWallet LoadGovernment / TaxEMI Transactions
Additional category-specific restrictions and monthly reward caps apply. Education, utility and other categories should be interpreted according to the latest HDFC reward programme/MCC conditions rather than treated as universally excluded.
Benefits
Travel and lifestyle privileges
Domestic lounge access
Unlimited complimentary domestic airport lounge access for eligible primary and add-on cardholders under the current programme.
International lounge access
Unlimited international airport lounge access through Priority Pass for eligible primary and add-on cardholders under current terms.
Renewal benefits
12,500 Reward Points on renewal fee realisation and applicable activation/renewal conditions.
Other benefits
GolfDiningConciergeInsuranceHotel BenefitsAirport ServicesFuel Surcharge Waiver
- Complimentary golf privileges under the current programme.
- 24×7 concierge privileges.
- Club Marriott welcome membership under applicable joining terms.
- 1% fuel surcharge waiver on eligible fuel transactions, subject to the applicable transaction range and ₹1,000 statement-cycle cap.
Fees & Charges
What the card costs
- Joining fee
- ₹12,500
- Annual fee
- ₹12,500
- Forex markup
- 2%
- Annual-fee waiver spend
- ₹10 lakh
Annual-fee waiver
Renewal membership fee is waived on annual spends of ₹10 lakh.
Eligibility & Application
Before you apply
- Application channel
- Offline
Premium/invitation-led product subject to HDFC Bank's internal eligibility, relationship, income and credit assessment.
Credofly Review
The detailed view
INFINIA Metal is built for high spenders who are willing to optimise rewards. Its base earning is solid, but the real attraction is the combination of SmartBuy accelerated rewards and potentially high-value travel redemptions.
The card also delivers a genuinely premium benefits package: extensive lounge access, golf, concierge privileges and a relatively low 2% forex markup.
Frequently Asked Questions
Answers before applying
What is the annual fee for HDFC Bank INFINIA Metal Edition Credit Card?
The annual fee is ₹12,500.
Can the annual fee be waived?
Yes. The annual fee can be waived on annual spending of ₹10 lakh.
What forex markup does this card charge?
The forex markup is 2%.
How does this card earn rewards?
Earn 5 Reward Points per ₹150 on eligible retail spends, including eligible insurance, utility and education transactions subject to programme rules and caps. Earn accelerated rewards of up to 10X through eligible SmartBuy transactions, subject to current category and programme caps.
Does this card include airport lounge access?
Domestic lounge access is included. International lounge access is included.
Who can apply for this card?
Premium/invitation-led product subject to HDFC Bank's internal eligibility, relationship, income and credit assessment.
Is this card currently open for applications?
Please check with the issuer for the current application status.
