HDFC Bank Infinia Metal Credit Card
HDFC Bank · Visa / Mastercard
Why this card?
- 3.33% back in reward points on travel at SmartBuy; 1% on other spends
- ₹12,500 joining and annual fee; renewal fee waived on ₹10 lakh yearly spend
- Unlimited domestic and international airport lounge access
- 1% fuel surcharge waiver
Card details
- Issuer
- HDFC Bank
- Network
- Visa / Mastercard
- Annual Fee
- ₹12,500
- Joining Fee
- ₹12,500
- Reward Type
- points
- Best Reward Rate
- 3.33% on travel at smartbuy
- Forex Markup
- 2%
- Domestic Lounge
- Unlimited
- Min. Monthly Income
- ₹2,00,000
- Rates verified
- 2026-10-06
Our verdict
HDFC Infinia Metal is HDFC's invite-only super-premium card: 5 reward points per ₹150, unlimited domestic and international lounge access, and a ₹12,500 fee that is waived at ₹10 lakh of annual spend. The biggest recent change is retention: from 1 April 2026 HDFC aligns continued Infinia access to ₹18 lakh of card spend or ₹50 lakh of relationship value, so the card now suits only genuinely heavy spenders or HDFC wealth customers. Reward value depends on redemption, with HDFC listing about ₹1 per point on SmartBuy flights and hotels and less on the catalogue.
Pros
- 5 reward points per ₹150 on eligible spends
- Unlimited domestic and international lounge access
- ₹12,500 fee waived on ₹10 lakh of annual spend
- 2% foreign-currency markup
Cons
- Invite-only
- Retention test from 1 April 2026: ₹18 lakh card spend or ₹50 lakh relationship value
- Priority Pass guest visits are charged at US$27 plus GST per guest
- Point value varies — about ₹1 on SmartBuy flights and hotels, lower elsewhere
Frequently Asked Questions
What is the annual fee of the HDFC Infinia Metal credit card?
The renewal fee is ₹12,500 plus taxes, waived if you spend ₹10 lakh or more in the preceding 12 months.
How many reward points does HDFC Infinia give?
5 reward points for every ₹150 spent, and up to 10X reward points on SmartBuy spends, per HDFC Bank. HDFC revised several card terms from 15 May 2026 but its notice left Infinia accrual unchanged.
What is the Infinia retention requirement?
From 1 April 2026, HDFC aligns continued access to the Infinia programme with a minimum of ₹18 lakh of Infinia card spend (primary plus add-on) or ₹50 lakh of relationship value. Check the latest terms document for what happens if the test is missed.
Does HDFC Infinia have unlimited lounge access?
HDFC lists unlimited complimentary domestic lounge access in India and unlimited international access via Priority Pass for primary and add-on cardholders. Priority Pass guest visits are charged at US$27 plus GST per guest.
Can I apply for the Infinia card directly?
Infinia is generally offered by invitation to eligible HDFC customers, so there is no standard application route.