HDFC Bank Infinia Credit Card (Metal Edition)
Updated 15 Apr 2026Source-linked
The HDFC Bank Infinia Credit Card (Metal Edition) is a super premium credit card from HDFC Bank, with a joining fee of ₹12,500 + GST.
It earns up to 10× back on smartbuy flights hotels spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 12,500 bonus reward points as a welcome benefit.
HDFC Bank Infinia Credit Card (Metal Edition)
- Joining Fee₹12,500
- Annual Fee₹12,500
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 10× on smartbuy flights hotels (cap 15000 points / monthly)
- Base 3.33% on other spends
Welcome Benefits
- 12,500 bonus Reward Points
HDFCinfinitesuper premiumRewards and Benefits
Rewards Rate
10× on smartbuy flights hotels (cap 15000 points / monthly)
Base 3.33% on other spends.
Reward Redemption
SmartBuy: Redeem at ₹1 per unit.
Welcome Benefits
12,500 bonus Reward Points
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
Unlimited round(s) / monthly.
Insurance Benefits
- air accident: ₹3,00,00,000
- travel medical: ₹50,00,000
Other Benefits
- Club Marriott membership — Complimentary Club Marriott membership for the first year.
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
2.00%
Interest Rates
3.60% per month (43.2% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by HDFC Bank.
- Joining / annual fee of ₹12,500 + GST, waived on annual spends of ₹10,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Annual fee waivable on ₹10,00,000 spend.
- Strong base reward rate of 3.33%.
- Low forex markup of 2.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
Cons
- High annual fee of ₹12,500.
- No rewards on fuel spends.
- Invite-only — limited availability.
₹12,500 welcome benefit
- 12,500 bonus Reward PointsJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 10× on smartbuy flights hotels (cap 15000 points / monthly)10x reward points on flight + hotel bookings via HDFC SmartBuy. Rate applies only when booked via SmartBuy; direct/OTA bookings drop to the base 5/₹150.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- government
- insurance premiums
- emi
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via visa, priority-pass. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass. Guests: unlimited.
Insurance benefits
- air accident: ₹3,00,00,000
- travel medical: ₹50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹1,000 per statement.
Other benefits
- Club Marriott membership. Complimentary Club Marriott membership for the first year. (≈ ₹5,000 value)
Sources
- : www.hdfcbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 800+
- Income (salaried)
- —
- Income (self-employed)
- —
Invite-only. Typically extended to HDFC Preferred/Imperia/Private Banking customers or high-net-worth profiles.