HDFC Bank Infinia Credit Card Metal Edition
Updated on August 16, 2026
🎖️Reward Rate
5 Reward Points per ₹150 retail spends (including Insurance, Utilities & Education)
Overview
The HDFC Bank Infinia Credit Card Metal Edition by HDFC Bank is India's benchmark ultra-premium credit card. Crafted from metal, it offers an industry-leading 1:1 reward redemption ratio on Smartbuy (1 RP = ₹1), unlimited global airport lounge visits with guest privileges for primary and add-on cardholders, complimentary Club Marriott luxury dining membership, stay 3 pay 2 privileges at ITC hotels, unlimited complimentary golf lessons, and an industry-low 2.0% forex markup.
Rewards
Reward Type
Reward Points
Reward Rate
- • 5 Reward Points per ₹150 retail spends (including Insurance, Utilities & Education)
- • Up to 10X Reward Points on Smartbuy
Welcome Benefit
12,500 Reward Points upon realization of joining fee and card activation; Complimentary 1-Year Club Marriott membership with up to 50% dining/stay discounts across Asia-Pacific
Milestone Benefit
Annual renewal fee waiver on spending ₹10,00,000 in anniversary year; 12,500 renewal reward points credited upon fee realization
Redemption
- • 1 RP = ₹1.00 for Flights & Hotels on Smartbuy
- • 1:1 AirMiles conversion with KrisFlyer, Flying Blue & Avios
- • 1 RP = ₹0.50 on Apple/Tanishq vouchers
- • Netbanking cashback conversion
Benefits
- • Welcome & Club Marriott: Complimentary 1st year Club Marriott membership (Up to 50% dining discounts, 25% off beverages, Member's Night Monday 1+1 drink, Member's Day Tuesday 50% off food)
- • Travel & Lounge: Unlimited complimentary Domestic airport lounge access (Primary & Add-on) + Unlimited International lounge access outside India via Priority Pass (1,000+ lounges worldwide)
- • ITC Hotels Luxury: Stay 3 nights & pay for 2 at participating ITC hotels + 1+1 complimentary buffet
- • Golf Privileges: Unlimited complimentary golf lessons & games at leading courses across India & worldwide with 100% green fee waiver (Dedicated 24x7 Golf Concierge: 1800 118 887 / 022 42320226)
- • 24x7 Global Concierge: Itinerary planning, private dining, gift delivery, airport VIP meet-and-greet, event planning
- • Surcharge & Protection: 1% fuel surcharge waiver (₹400–₹1,00,000 transactions) + Zero Lost Card Liability Protection + ₹3 Crore Air Accident Insurance
Things to Know Before you apply
HDFC Bank Infinia Credit Card Metal Edition Eligibility Criteria
- Age: 21–65 years
- Salaried: Monthly Net Income > ₹3,00,000; Self-Employed: ITR > ₹45,00,000 p.a.
- Salaried Professionals & High Net Worth Individuals
- Resident Indian
HDFC Bank Infinia Credit Card Metal Edition Customer Care
- Toll Free: 1800 1600 / 1800 2600 (General) | 1800 118 887 (Golf Concierge)
- Landline: +91 22 6160 6161 (Cards) | 022 42320226 (Concierge)
- Concierge Service: customerservices.cards@hdfcbank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% or Rs. 500 whichever is higher |
Fee waiver: Renewal fee waiver on spending ₹10,00,000 or more in preceding anniversary year
PaisaSimple Review
Overall Rating
What do we like about this card?
We have awarded the HDFC Bank Infinia Credit Card Metal Edition a top rating of 5.0/5.0. It delivers unprecedented value across luxury travel and retail spends: 5 RP per ₹150 retail spend (yielding 3.33%), up to 10X rewards on Smartbuy (up to 33.3% value), unlimited international Priority Pass lounge visits, complimentary Club Marriott dining discounts, and an annual renewal benefit of 12,500 Reward Points that offsets the ₹12,500 annual fee.
Pros
- • 12,500 Welcome Reward Points on fee payment + Complimentary 1-year Club Marriott membership
- • Industry-low forex markup of only 2.0% + GST on international spends
- • Unlimited complimentary domestic & international airport lounge visits for Primary and Add-on members
- • 1:1 redemption value (1 RP = ₹1.00) on flight & hotel bookings via Smartbuy
- • Stay 3 nights & pay for 2 at ITC hotels + 1+1 complimentary buffet
- • Unlimited complimentary golf lessons & games across India & select global courses with 100% green fee waiver
Cons
- • High joining and renewal fee of ₹12,500 + 18% GST (waived on ₹10 Lakhs annual spend)
- • Strict invite-only eligibility criteria requiring high monthly salary (₹3L+) or ITR (₹45L+)
- • Monthly points cap applies on accelerated 10X Smartbuy category spends