HDFC Bank Infinia Metal Credit Card
Updated on September 17, 2026 · Author: Team PaisaSimple
🎖️Reward Rate
5 Reward Points on every ₹150 retail spend, including insurance, utilities and education
Overview
HDFC Bank Infinia Credit Card (Metal) by HDFC Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • 5 Reward Points on every ₹150 retail spend, including insurance, utilities and education
- • Up to 10X Reward Points on travel and shopping spends via SmartBuy
Welcome Benefit
Complimentary Club Marriott membership for the first year; 12,500 Reward Points upon fee realisation and card activation; Member's Night (Monday): buy one drink, get a complimentary second drink; Member's Day (Tuesday): 50% off food bill and 25% off beverage bill; Complimentary spouse membership with card-only benefits
Milestone Benefit
Spend ₹10 Lakhs (Annual): Renewal fee waiver - Spend ₹10 Lakhs or more in preceding 12 months; Annual Fee Waiver: Spend ₹10 Lakhs or more in preceding 12 months for fee waiver
Redemption
- • Flights & hotels (SmartBuy): 1 Reward Point = ₹1
- • Apple products & Tanishq vouchers (SmartBuy): 1 Reward Point = ₹1, up to 70% of bill value
- • Airmiles: up to 1 airmile per Reward Point (1:1)
- • Products & vouchers: up to ₹0.50 per point
- • Cashback/statement credit: up to ₹0.30 per point
- • Overall cap of 2 lakh points per statement cycle
- • flights/hotel/airmiles capped at 1.5 lakh points/month
- • statement-balance redemption capped at 50,000 points/month
Benefits
- Unlimited domestic lounge access via Visa Infinite/Mastercard World Elite for primary and add-on cardholders
- Unlimited international lounge access via Priority Pass (1,000+ lounges) for primary and add-on cardholders
- ITC Hotels: 3 nights, pay for 2
- 1+1 complimentary buffet
- Unlimited complimentary golf lessons and games at leading courses in India and select courses worldwide
- 100% green fee waiver at select courses worldwide
- 24x7 Golf Concierge
- 24x7 Global Personal Concierge for golf booking, itinerary planning, private dining, gift delivery, event planning, and airport VIP service
- Accidental air death cover of ₹3 Crore
- Emergency overseas hospitalization cover up to ₹50 Lakhs
- Credit Shield Cover up to ₹9 lakhs
- Zero Lost Card Liability
- Smart EMI
- Interest-free credit period up to 50 days
- Revolving credit at nominal interest rate
- Fuel surcharge waiver of 1% on fuel transactions between ₹400 and ₹1,00,000 across India
- no Reward Points earned on fuel transactions
Things to Know Before you apply
HDFC Bank Infinia Metal Credit Card Eligibility Criteria
- Age: 21–65 years
- Not disclosed on HDFC's official page
- Salaried & Self-Employed Individuals
- Resident Indian
HDFC Bank Infinia Metal Credit Card 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: 1800 118 887 / 022 42320226
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | Not disclosed on HDFC's official page |
Fee waiver: Spend ₹10 lakh or more in the year preceding the renewal date (for cards sourced after 18-Oct-2021); Legacy cards sourced before 18-Oct-2021: joining/renewal fee ₹10,000 + taxes, waiver threshold ₹8 lakh
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
HDFC Bank Infinia Credit Card (Metal) issued by HDFC Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Complimentary Club Marriott membership for the first year
- • 12,500 Reward Points upon fee realisation and card activation
- • Member's Night (Monday): buy one drink, get a complimentary second drink
- • Member's Day (Tuesday): 50% off food bill and 25% off beverage bill
- • Complimentary spouse membership with card-only benefits
- • Choice of luxury welcome voucher worth ₹12,500 (Luxe gift card, The Postcard Hotels voucher, or Yatra flight voucher)
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee payment
- • White Pass worth ₹10,000 upon payment of joining fee and spend of ₹30,000 within first 60 days
- • Qualification Criteria: Payment of joining fee and ₹30k spend within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
- • 5 Reward Points on every ₹150 retail spend, including insurance, utilities and education
- • Up to 10X Reward Points on travel and shopping spends via SmartBuy
- • Base Rewards: 12 EDGE Reward Points per ₹200 (12 EDGE Reward Points per ₹200 on standard retail spends)
- • Accelerated Rewards: 35 EDGE Reward Points per ₹200 (5.8% return) on Travel EDGE bookings. 5:2 airline/hotel miles transfer ratio (5:4 for Burgundy Magnus).
- • Excluded Categories: Fuel, Wallet loads, Government payments, Rent
- • Base Rewards: White Pass Milestone Currency per ₹100 (Earn White Pass worth ₹1,500 up to ₹2,50,000 across milestone spends from ₹2 Lakhs to ₹1 Crore)
- • Accelerated Rewards: White Pass currency with 1:1 INR redemption value across luxury lifestyle, hotel, flight, and curated retail partners
- • Excluded Categories: Fuel, Wallet loads, Rent
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 12 EDGE Reward Points per ₹200 (12 EDGE Reward Points per ₹200 on standard retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: White Pass Milestone Currency per ₹100 (Earn White Pass worth ₹1,500 up to ₹2,50,000 across milestone spends from ₹2 Lakhs to ₹1 Crore)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions