HDFC Bank Infinia Credit Card (Metal Edition)

Name: HDFC Bank Infinia Credit Card (Metal Edition)
Brand: HDFC Bank
Price: 12500 INR
Availability: InStock

Updated 5 Jul 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× (≈33.3% value) on smartbuy 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 hotels (cap 15000 points / monthly)
5× on smartbuy flights (cap 15000 points / monthly)
Base 3.33% on other spends

Welcome Benefits

12,500 bonus Reward Points

Data verified 5 Jul 2026 — see our methodology

HDFC

infinitesuper premium

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Rewards and Benefits

Rewards Rate

10× on smartbuy hotels (cap 15000 points / monthly)

5× on smartbuy flights (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 · unlimited lesson(s).

Insurance Benefits

air accident: ₹3,00,00,000
travel medical: ₹50,00,000
credit shield: ₹9,00,000
lost card liability: ₹9,00,000

Other Benefits

Club Marriott membership — Complimentary Club Marriott membership for the first year.
Renewal benefit — 12,500 Reward Points on renewal-fee realisation and card activation (separate from the joining welcome points).
ITC hotels buffet — 1+1 complimentary buffet at participating ITC hotels.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

Online shoppingGroceriesDining & food deliveryFuelTravel & hotelsUtilities & billsRentInternational / forex

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

Online shopping₹15,000 · 3.3% = ₹500/mo
Groceries₹8,000 · 3.3% = ₹267/mo
Dining & food delivery₹8,000 · 3.3% = ₹267/mo
Fuel₹4,000 · 0.0% = ₹0/mo
Travel & hotels₹10,000 · 3.3% = ₹333/mo
Travel & hotels — earns base; accelerated rate needs booking via smartbuy
Utilities & bills₹5,000 · 3.3% = ₹167/mo

Est.net rewards for this spend, realistic

₹5,900/yr

₹18,400 rewards − ₹12,500 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver

₹10,00,000 in the preceding year

Rewards Redemption Fee

N/A

Foreign Currency Markup

2.00%

Interest Rates

1.99% per month (23.9% annualised)

Fuel Surcharge Waiver

1.0% waiver on transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement.

Cash Advance Charges

N/A

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, credit shield, lost card liability.

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.
Accelerated earn worth ≈33.3% on smartbuy hotels.

Cons

High annual fee of ₹12,500.
No rewards on fuel spends.
Invite-only — limited availability.

₹12,500 welcome benefit

12,500 bonus Reward Points
Joining fee paid
Window: 90 days from issuance.

Accelerated rewards

10× on smartbuy hotels (cap 15000 points / monthly)
10X reward points on HOTEL bookings via HDFC SmartBuy (booked via SmartBuy only). Shares the overall 15,000 RP/calendar-month SmartBuy cap with flights; a 3,000 RP/month brand-voucher (Gyftr/Woohoo) sub-cap sits inside it (effective 2026-07-01).
5× on smartbuy flights (cap 15000 points / monthly)
5X reward points on FLIGHT bookings via HDFC SmartBuy — reduced from 10X effective 2026-07-01 (hotels remain 10X). Booked via SmartBuy only; shares the overall 15,000 RP/calendar-month cap with hotels.

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
credit shield: ₹9,00,000
lost card liability: ₹9,00,000

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement.

Other benefits

Club Marriott membership. Complimentary Club Marriott membership for the first year. (≈ ₹5,000 value)
Renewal benefit. 12,500 Reward Points on renewal-fee realisation and card activation (separate from the joining welcome points). (≈ ₹12,500 value)
ITC hotels buffet. 1+1 complimentary buffet at participating ITC hotels.

Sources

: www.hdfc.bank.in · retrieved 3 Jul 2026

Last verified 5 Jul 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.

History

Past revisions as recorded in the dataset. Most recent first.

30 Jun 2026
Reward structure changed — prior rate 5 per ₹150 (points) until 30 Jun 2026

Tagsmetal travel forex friendly invite only points