HDFC Bank Infinia Credit Card Metal Edition
India's most elite metal card - infinite privileges, infinite experiences.
Network: Mastercard, Visa | Type: Travel and Rewards | Reward: Reward Points
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Fees & Charges
- Joining Fee: ₹12,500 + GST
- Annual Fee: ₹12,500 + GST
- Waiver: Spend ₹10L in a membership year for next year waiver
- Foreign Markup: 2%
- Fuel Surcharge: 1% waiver (up to ₹1000/month)
- Redemption Fee: ₹99 + GST
- Late Payment Fee: ₹100–₹1300 based on amount due
- Interest Rate: 3.49% per month
- Cash Advance: 2.5% (min ₹500)
Credofly Review
HDFC Infinia Metal is more than a credit card — it’s a lifestyle enabler. With its ₹1 to 1 point travel redemptions, airport privileges, and the full power of SmartBuy, it’s India’s most value-loaded metal card. While it’s not for everyone, high-spending users will find it rewarding and prestigious — especially for travel.
Rewards & Earnings
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5 RP per ₹150 on most spends
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2x–10x on SmartBuy (flights, hotels, Apple, gift cards)
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1 RP = ₹1 for flights/hotels
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₹1 = 1 RP for flights/hotels via SmartBuy
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Vouchers, Apple Store, Tanishq, Amazon
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Transfer to airline/hotel partners
Benefits
- Welcome:
12,500 RP on first transaction (equivalent ₹12,500 travel value)
- Milestone:
₹10L spend = renewal fee waiver
- Renewal:
₹10L spend = renewal fee waiver
- Lifestyle:
lounge domestic, lounge international, golf benefits, dining benefits
Why We Like It
A globally accepted, invite-only metal card with unlimited lounge access, luxury golf, wellness perks, and ₹1 = 1RP redemptions. Excellent return on spend for elite customers.
Pros & Cons
✅ Pros
Unlimited lounge access (domestic + international)
High reward value (₹1 = 1 RP for travel)
Golf, concierge, wellness, and more
❌ Cons
Invite-only access
₹12,500 annual fee
No rewards on fuel/wallet/government spends
Eligibility & Application
Eligibility:
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Invite-only by HDFC Bank
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High income/net worth individuals
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Existing HNI customers or relationship holders
How to Apply:
HDFC Infinia is invite-only. To express interest:
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Maintain high AUMs with HDFC (RM-led)
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Be eligible for upgrade from Regalia (on spends/credit profile)
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Visit HDFC branch or speak to your Relationship Manager
FAQs
What’s the joining fee for HDFC Infinia?
₹12,500 + GST
Is the card LTF?
Only for select invite-only users
Does it offer unlimited lounge access?
Yes, both domestic and international
How do I redeem reward points?
SmartBuy portal or transfer partners
Is there a waiver on the annual fee?
Yes, spend ₹10L per membership year
Can I apply directly online?
No, invite-only
Does it come with golf privileges?
Yes, multiple rounds included
Is it issued on Visa or Mastercard?
Depends on eligibility — both are available
What is the base reward rate?
5 RP per ₹150 (≈ 3.3%)
Can points expire?
Yes, after 3 years if not used
Is the metal version heavier?
Yes, premium metal feel and packaging
Any charges for lounge access?
No, unlimited via Priority Pass and Visa Lounge Access
User Reviews
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