HDFC Infinia Metal Edition Credit Card
Housing Development Finance Corporation Housing Development Finance Corporation

HDFC Infinia Metal Edition Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹12500* Plus Applicable Taxes

Renewal Fee: ₹12500*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹12500* + Tax

Renewal Fee: ₹12500* + Tax

Welcome benefits:- Get 12,500 Reward Points (worth ₹12,500) as a welcome bonus on fee payment, plus complimentary Club Marriott membership.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC Infinia Metal Edition Credit Card

For more than 10 years, HDFC Infinia has been one of India’s best super-premium credit cards. It gives a reward rate of 3.33%, which can go up to 33% on SmartBuy purchases. This makes it better than many other high-fee premium cards like Axis Reserve and IDFC FIRST Private.

One of its biggest advantages is 1:1 redemption value on travel bookings through SmartBuy and Air Mile conversions. The card also offers great travel benefits like unlimited lounge access (domestic and international), low forex mark-up fee, and special offers with ITC and Marriott hotels.

While other premium cards also provide travel benefits, Infinia stands out because of the overall value from its rewards program. That’s why it can be a smarter choice.

The Infinia Credit Card Metal Edition offers many benefits that let you enjoy a premium lifestyle.

HDFC Infinia Metal Edition Credit Card Rewards Program

Reward Earning

  • 5 Reward Points (RP) per ₹150 spent on all retail categories (including insurance, utilities & education).
  • Up to 10X Rewards on travel & shopping via HDFC SmartBuy (max. 15,000 points/month).
  • 12,500 Bonus Reward Points on joining & renewal (fee payment).

Reward Redemption

  • 1 RP = ₹1
    • Flight & hotel bookings via SmartBuy
    • Apple products & Tanishq vouchers via SmartBuy
  • 1 RP = 1 Air Mile (conversion through net banking).
  • 1 RP = ₹0.50 for vouchers & product purchase on SmartBuy.
  • 1 RP = ₹0.30 on cashback conversion.

(Exclusions & capping apply – check details on HDFC site)

Transfer Partners (via Rewards360)

  • 1 RP = 1 Partner Point
    • SpiceClub (SpiceJet)
    • AirAsia
    • Finnair Plus (Avios)
    • Flying Blue
    • Hainan Airlines Fortune Wings Club
    • IHG One Rewards
    • Vietnam Airlines LotusMiles
    • Wyndham Rewards
  • 1 RP = 0.5 Partner Point
    • Club ITC Green Points
    • Aeroplan (Air Canada)
    • ALL – Accor Live Limitless
    • Avianca LiveMiles
    • British Airways Executive Club
    • Etihad Guest
    • Turkish Airlines Miles&Smiles
    • United MileagePlus

Other Features and Benefits

Complimentary Lounge Access

  • Unlimited domestic lounge access – for both primary & add-on cardholders.
  • Unlimited international lounge access – via Priority Pass (primary & add-on).
  • Add-on cardholders also get their own Priority Pass membership card.

Hotel & Dining Benefits

ITC Hotels

  • Stay 3 nights, Pay for 2 at participating ITC Hotels.
  • 1+1 complimentary buffet at select ITC properties.

Club Marriott Membership (Welcome Benefit – 1st Year Free)

  • Up to 20% off on dining (max 10 guests), stays, and spa services at participating Marriott hotels across Asia Pacific.
  • 2 one-time upgrade certificates for higher category rooms.
  • Up to 30% off on best available room rates.

Other Dining Benefits

  • Flat 15% discount on dining via Swiggy Dineout at participating restaurants.

Forex & Travel Benefits

  • Low forex mark-up fee of 2% on international transactions.
  • Unlimited complimentary golf games at select golf courses in India & abroad.
  • Global Concierge Service for:
    • Travel bookings & VIP services
    • Golf & fine dining reservations
    • International gift deliveries, etc.

Fuel Benefits

  • 1% fuel surcharge waiver on transactions ₹400 – ₹1,00,000.
  • Max benefit: ₹1,000/month.

Insurance & Protection

  • Air accident death cover: ₹3 Crore.
  • Emergency overseas hospitalization: ₹50 Lakhs.
  • Credit shield cover: ₹9 Lakhs.

Other Benefits

  • Annual Fee Waiver – Spend ₹10 Lakhs in the preceding year.
  • Premium lifestyle protection via zero liability on lost/stolen cards.

Fees and Charges

ParticularsAmount
Joining FeeRs. 12,500 + Taxes
Annual FeeRs. 12,500 + Taxes
Finance Charges1.99% p.m. (23.88% p.a.)
Cash Withdrawal Fee2.5% of amount withdrawn or Rs. 500 whichever is higher
Rewards Redemption FeeNil
Late Payment Charges
For Statement Balance: 
Up to Rs. 100:Nil
Rs. 101 to Rs. 500:Rs. 100
Rs. 501 to Rs. 1,000:Rs. 500
Rs. 1,001 to Rs. 5,000:Rs. 600
Rs. 5,001 to Rs. 10,000:Rs. 750
Rs. 10,001 to Rs. 25,000:Rs. 900
Rs. 25,001 to Rs. 50,000:Rs. 1,100
More than Rs. 50,000:Rs. 1,300

Things to Know Before you apply

Get this card if:

  • High-income individuals (HNIs, CXOs, Business Owners)
  • Frequent international travelers
  • People who spend ₹5–10L+ annually on travel, lifestyle, and shopping
  • Users who can fully utilize lounge, SmartBuy, and golf privileges

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For HDFC Infinia Metal Edition Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC Infinia Metal Edition Credit Card Hilights

What do we like about this card?

  • Unlimited access to 1,000+ airport lounges (via Priority Pass and DreamFolks)
  • 10X rewards on SmartBuy (flights, hotels, shopping, and more)
  • ComplimentaryClub Marriott membership
  • Low forex markup of 2%
  • Golf games at top courses in India and abroad
  • 24x7 concierge service and emergency card replacement globally
  • Metal card design with premium packaging

Pros

  • 3.33% value-back across all spending categories, including insurance, utilities, and education
  • Unlimited domestic & international lounge access for both primary and add-on users
  • Unlimited complimentary golf games at select golf courses in India and abroad
  • Exclusive stay and dining benefits at participating ITC hotels
  • Flat 15% discount on dining via Swiggy Dineout

Cons

  • Invite-only, not available for most users
  • High annual fee (₹12,500) if spend threshold not met
  • Requires high credit score and financial profile
  • No cashback facility (only reward points)

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

  • Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
  • Helpline: You can contact us at 1800 1600 / 1800 2600.
  • Simply SMS: -  SMS “CCHELP” to 5676712

Frequently Asked Questions

Everything you need to know about this credit card

The joining and annual fee is ₹12,500 + GST. The annual fee is waived if you spend ₹10 lakh or more in a year.

Yes. HDFC Infinia is strictly invite-only. You cannot apply directly unless selected by the bank.

HDFC does not publicly disclose salary requirements for Infinia, since it is invite-only. Generally, the card is offered to high-income individuals with an excellent credit score and a strong relationship with HDFC Bank.

The HDFC Infinia Credit Card is a premium lifestyle credit card packed with luxury benefits. The Infinia Metal Edition is a variant with a premium metal finish and some additional perks, but both share most core features.

  1. You can check via:
  2. HDFC Bank Customer Care helpline
  3. Online tracking using your application reference number

There is no fixed limit. The bank decides based on your income, repayment history, and credit profile. Your credit limit is mentioned in the welcome kit after card issuance.

  1. 1:1 redemption for air miles, flights/hotels, Apple & Tanishq via SmartBuy
  2. Product vouchers at ₹0.50/point
  3. Cashback at ₹0.30/point

With your Infinia kit, you receive a Priority Pass Card for the primary and add-on holder. Present it with your Infinia card to enjoy complimentary lounge access.

  1. Yes, Infinia offers:
  2. Higher reward rate (3.33% vs. 2%)
  3. Unlimited lounge access (vs. capped for Regalia)
  4. Marriott & ITC hotel benefits
  5. Unlimited golf games
  6. However, it comes with a much higher annual fee and stricter eligibility.

  1. Both are super-premium cards with a 3.33% reward rate, unlimited lounge access, and lifestyle perks.
  2. Infinia: ₹12,500 fee, invite-only, Marriott & ITC benefits
  3. Diners Black: ₹10,000 fee, milestone vouchers (₹1,000/month), easier to qualify
  4. Choose Infinia if you want hotel perks & Priority Pass lounges worldwide, or Diners Black if you want monthly milestone rewards.

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