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HDFC Bank Infinia Metal Credit Card
HDFC Bank

HDFC Bank Infinia Metal Credit Card

3.3% base rewards, up to 33% on SmartBuy and unlimited lounges

Joining fee₹12,500 + GST
Annual fee₹12,500 + GST
NetworkVisa Infinite
Forex markup2%
LoungeUnlimited
Best forPremium & Invite-only
How to apply Compare
Details checked October 2026
Not open to online applications. HDFC Infinia is offered through your bank relationship. Speak to your HDFC Bank relationship manager (RM) to check eligibility and apply.

01Rewards

All retail spends5 reward points per ₹150 (~3.3%)
SmartBuy hotels / flights10X / 5X (capped at 15,000 points a month)
SmartBuy brand vouchers5X, capped at 3,000 points a month

Redemption: 1 point = ₹1 on SmartBuy flights & hotels; ~₹0.30 as statement credit.

02Fees, benefits & charges

Fee waiver
Renewal waived on ₹10 lakh annual spend
Welcome benefit
12,500 reward points when the fee is charged
Airport lounges
Unlimited domestic & international lounges for primary and add-on cardholders
Forex markup
2%
Fuel
1% surcharge waiver, capped at ₹1,000/month (no points on fuel)
No rewards on
Fuel, rent, government & tax, wallet loads, EMI

03Highlights & watch-outs

Highlights

  • One of India’s highest reward rates
  • Unlimited lounges worldwide
  • Golf and concierge

Watch out for

  • Invite only
  • From FY2026-27 retention needs ₹18 lakh spend or ₹50 lakh relationship value

Suits: High spenders with a strong HDFC relationship.

04FAQs

What is the annual fee of the HDFC Bank Infinia Metal Credit Card?
The annual fee is ₹12,500 + GST, and the joining fee is ₹12,500 + GST. Renewal waived on ₹10 lakh annual spend
Does the HDFC Bank Infinia Metal Credit Card offer airport lounge access?
Unlimited domestic & international lounges for primary and add-on cardholders
What is the forex markup on the HDFC Bank Infinia Metal Credit Card?
The foreign currency markup is 2%.
Which spends don’t earn rewards on the HDFC Bank Infinia Metal Credit Card?
Fuel, rent, government & tax, wallet loads, EMI.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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HDFC Infinia₹12,500 + GST
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