HDFC Bank credit card
HDFC Bank Infinia Credit Card Metal Edition
Invite-only super-premium metal card for travellers and high spenders who can maximise HDFC SmartBuy, transfer partners and premium travel access.
Credofly overview
Is HDFC Bank Infinia Credit Card Metal Edition right for you?
HDFC Bank Infinia Metal Edition is an invite-only, super-premium travel and rewards card. Its value comes from eligible SmartBuy redemptions, premium airport access and disciplined use of its reward programme—not from the metal card alone.
Best suited to eligible travel, dining and premium retail spends. SmartBuy earn rates, caps and eligible merchants are governed by HDFC Bank’s current programme terms.
What it costs
Fees & charges
₹12,500 + GST annual fee; renewal fee is waived on ₹10 lakh eligible annual spends. Check the latest HDFC terms before applying.
Earning & redeeming
Rewards, made clear
-
Base earn: 5 Reward Points per ₹150 on eligible retail spends. SmartBuy accelerated earn rates and caps vary by merchant and offer. HDFC states a maximum of 2,00,000 Reward Points per statement cycle for Infinia / Infinia Metal. Exclusions and category caps can materially change the effective reward rate.
Up to ₹1 per Reward Point on eligible SmartBuy flight and hotel bookings; value varies by redemption route and current HDFC terms.
How you can redeem
-
Use Reward Points for eligible SmartBuy travel bookings, vouchers/products and select transfer partners, subject to current programme terms. Eligible SmartBuy flights and hotels can offer up to ₹1 per Reward Point; other redemption routes may offer a different value or have caps. HDFC caps certain redemptions, including statement-balance redemption and selected SmartBuy products/vouchers.
EMI Transactions, Wallet, Fuel, Government Spends, and Tax Payments
<p>No Reward Points on fuel, EasyEMI/SmartEMI and e-wallet loading. Rent/property-management and government transactions are excluded. Utility and telecom rewards are capped at 2,000 RP each per calendar month; third-party-app education payments do not earn points, while direct institution payments may remain eligible. Insurance rewards are capped at 5,000 RP per day.</p>Beyond rewards
Benefits that matter
Welcome offer
No universal public welcome offer is confirmed in HDFC’s current MITC. Any issuance or membership benefit should be confirmed in writing at the time of approval.
Milestone benefits
Spend ₹10 lakh in an eligible membership year to waive the next year’s renewal fee. HDFC’s current exclusions and spend-calculation rules apply.
Renewal benefits
Renewal fee waiver on ₹10 lakh eligible annual spends; verify qualifying-spend exclusions with HDFC Bank.
Card benefits
-
HDFC’s current MITC confirms complimentary Priority Pass membership for primary and add-on cardholders, with unlimited lounge access for the Priority Pass cardholder. Additional lifestyle, golf, dining, hotel or concierge benefits may be available under current card programme/usage guides and should be checked before relying on them.
Lifestyle & travel
lounge domestic, lounge international, golf benefits, dining benefits
Our independent take
Credofly review
Infinia is strongest when treated as a rewards platform rather than a prestige product. A traveller who redeems eligible points thoughtfully through SmartBuy can extract exceptional value, while the Priority Pass benefit and 2% forex markup strengthen its premium proposition. The trade-off is meaningful: access is discretionary, the fee is high, and exclusions, caps and programme changes matter. It rewards informed high spenders far more than casual users.
For the right cardholder, Infinia Metal Edition remains a benchmark premium card: strong travel redemption potential, broad premium access and a reachable fee waiver for substantial spenders. Apply only if the issuer offers it and if your normal eligible spend and redemption habits support the annual fee.
Why we like it
It combines a strong eligible-spend reward structure with premium travel access and a clear renewal-waiver threshold. We especially value the transparent 2% forex markup and HDFC’s stated unlimited Priority Pass access for primary and add-on cardholders—while clearly flagging caps and exclusions.
Strengths
- <p>High potential value on eligible SmartBuy travel redemptions, with up to ₹1 per Reward Point on eligible flight and hotel routes.</p>
- <p>Priority Pass membership with unlimited lounge access for the primary or add-on Priority Pass cardholder, per HDFC’s MITC.</p>
- <p>2% foreign-currency markup and a ₹10 lakh eligible-spend renewal-fee waiver threshold.</p>
Watch-outs
- <p>Invite-only issuance; eligibility and approval remain entirely at HDFC Bank’s discretion.</p>
- <p>₹12,500 + GST annual fee can be poor value without large eligible spend or disciplined travel redemption.</p>
- <p>Reward exclusions and category caps apply, including fuel, wallet loading, EMI and government/rent-related spending.</p>
Before you apply
Eligibility & application
Eligibility
-
Infinia Metal Edition is invite-only. HDFC Bank does not publish a universal income threshold in its MITC. An existing HDFC relationship, high credit profile and substantial eligible spending may support an invitation or upgrade discussion, but do not guarantee approval.
How to apply
This is not a standard self-serve application. If you are interested, contact HDFC Bank or your Relationship Manager and ask whether an Infinia offer or eligible upgrade is available. Before accepting, obtain the current fee, reward, waiver, lounge and usage terms in writing.
Your questions answered
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
What is the foreign-currency markup on Infinia Metal Edition?
HDFC’s current MITC lists a 2% foreign-currency transaction markup, before applicable taxes.
What is the fuel-surcharge waiver?
HDFC’s current MITC states a 1% fuel-surcharge waiver on fuel transactions of ₹400 or more, capped at ₹1,000 per statement cycle.
Are Reward Points capped on Infinia Metal Edition?
Yes. HDFC’s published reward terms state a maximum of 2,00,000 Reward Points in a statement cycle for Infinia / Infinia Metal. Category-specific caps and exclusions also apply.
What spends do not earn Reward Points?
HDFC excludes fuel, EasyEMI/SmartEMI and wallet loading. Rent/property-management and government transactions are excluded; some other categories have caps or channel-specific rules. Always review the live HDFC reward terms before a large transaction.
From cardholders
User reviews
No Title
Did you find this page helpful?
Why Trust Credofly?
Verified Reviews
Every review is vetted for accuracy and transparency. We show what matters most to real users.
Credofly Score™
Our proprietary score rates cards on 50+ data points across 7 key categories to help you choose better.
SmartCheck™ Verified
Look for the SmartCheck badge — it means our editorial team has manually reviewed and verified the card.
No Hidden Bias
We may earn from affiliate links, but our rankings and reviews are always independent and honest.