HDFC Bank Infinia Metal Edition Credit Card

Key Features & Benefits

The HDFC Bank Infinia Metal Edition stands as India’s premier luxury credit card, offering unmatched reward rates that can reach up to 33.3% on HDFC SmartBuy portal purchases including travel bookings, shopping, and select categories. With a base reward rate of 3.3% on all regular spends, cardholders earn 5 reward points per ₹150 spent, ensuring substantial returns on everyday purchases. The card’s unlimited domestic and international lounge access through Priority Pass eliminates travel hassles, while exclusive golf privileges at 20+ domestic and 100+ international courses add exceptional lifestyle value.

Beyond rewards and travel benefits, the Infinia Metal Edition provides comprehensive luxury experiences including Club Marriott membership, ITC hotel stay benefits with pay-for-2-get-1-free offers, and premium concierge services. The metal card construction reflects its exclusive positioning, while practical benefits like 1% fuel surcharge waiver on transactions between ₹400-₹1,00,000 and comprehensive travel insurance ensure everyday utility. With reward points that never expire and flexible redemption options offering up to ₹1 value per point for premium redemptions, this card maximizes long-term value for discerning users.

All You Need to Know About: HDFC Bank Infinia Metal Edition Credit Card

The HDFC Bank Infinia Metal Edition Credit Card represents the premium segment of HDFC Bank’s credit card portfolio, built on the Visa network with exclusive metal construction. This invite-only card caters to ultra-high-net-worth individuals seeking maximum rewards and luxury benefits. The card charges a joining fee and annual fee of ₹12,500 plus GST each, with fee waiver available on annual spends of ₹10 lakh or more. New cardholders receive 12,500 welcome reward points valued at ₹12,500, along with annual renewal bonuses of equal value.

The reward structure offers exceptional value with base earning rates of 5 reward points per ₹150 spent (3.3% value) on regular transactions, escalating to 10X points (33.3% value) on HDFC SmartBuy portal purchases including travel bookings, shopping, and select merchant categories. Monthly caps apply with 15,000 bonus points on SmartBuy 10X program, 10,000 points on insurance transactions, and an overall combined cap of 2 lakh points across all categories. Reward points carry flexible redemption values ranging from ₹1 per point for premium redemptions on flights, hotels, Apple products, and Tanishq vouchers, to ₹0.30 per point for cashback redemptions.

Travel and lifestyle benefits include unlimited domestic and international airport lounge access through Priority Pass networks without minimum spending requirements, making it ideal for frequent travelers. Exclusive golf privileges provide unlimited rounds and coaching at over 20 domestic and 100 international golf courses, while luxury hotel partnerships offer Club Marriott membership and ITC hotel benefits including pay-for-2-get-1-free night stays. The card also provides comprehensive travel insurance, purchase protection, and premium concierge services typical of super-premium cards.

The card charges a 2% foreign exchange markup on international transactions and standard interest rates of approximately 1.99% per month (23.88% per annum) on outstanding balances. Notable exclusions from reward earning include fuel transactions, EMI payments, wallet loads, rent payments, utility bills via third parties, and government transactions. However, the card offers 1% fuel surcharge waiver on transactions between ₹400-₹1,00,000. With no expiry on reward points as long as the card remains active and no publicly disclosed eligibility criteria due to its invite-only nature, the HDFC Bank Infinia Metal Edition stands as one of India’s most exclusive and rewarding credit cards for eligible premium customers.

Pros & Cons

How to Apply

The HDFC Bank Infinia Metal Edition Credit Card follows an exclusive invite-only application process. Existing HDFC Bank customers with strong credit relationships should contact their relationship manager to express interest and check eligibility. Alternatively, visit your nearest HDFC Bank branch to discuss upgrade options from existing premium cards. The bank typically extends invitations to high-net-worth individuals with substantial banking relationships and excellent credit profiles.

Detailed Fee Structure

The HDFC Bank Infinia Metal Edition carries a joining fee of ₹12,500 plus applicable GST, with an identical annual renewal fee of ₹12,500 plus GST. The substantial annual fee can be waived by spending ₹10 lakh or more during the card membership year, making it accessible for high spenders. The card charges a 2% foreign exchange markup on international transactions and standard interest rates of approximately 1.99% per month (23.88% per annum) on outstanding balances.

Additional charges include standard late payment fees, over-limit charges, and cash advance fees as per HDFC Bank’s general credit card terms. However, the card offers valuable fee waivers including 1% fuel surcharge waiver on petrol pump transactions between ₹400-₹1,00,000, helping offset regular usage costs for frequent drivers.

Who Should Get This Card?

The HDFC Bank Infinia Metal Edition is designed for ultra-high-net-worth individuals, frequent business travelers, and luxury lifestyle enthusiasts who spend significantly on travel, dining, and premium shopping. Ideal candidates include senior executives, business owners, and affluent professionals who can easily meet the ₹10 lakh annual spending threshold while maximizing the card’s premium travel and lifestyle benefits. This card suits users who prioritize maximum reward rates, unlimited lounge access, and exclusive privileges over fee considerations.

Alternatives & Competitor Comparison

Feature	HDFC Bank Infinia Metal Edition Credit Card	Axis Bank Reserve Credit Card
Card Image
Card Network	Visa	Visa
USP	The HDFC Bank Infinia Metal Edition Credit Card delivers premium rewards up to 33.3% on SmartBuy purchases with unlimited domestic and international lounge access, making it the ultimate luxury credit card for high-spending frequent travelers and premium lifestyle enthusiasts.	The Axis Bank Reserve Credit Card delivers 3% rewards on international spends up to your credit limit, unlimited global lounge access, and premium lifestyle memberships including Club Marriott and ITC Culinaire, making it the ultimate luxury travel and dining companion for high-net-worth individuals.
Annual Fee	12500 Plus GST	50000 Plus GST
Joining Fee	12500 Plus GST	50000 Plus GST
Welcome Benefits	12,500 reward points (valued at ₹12,500) on payment Rs.12500 Joining Fee	50,000 EDGE reward points as joining and renewal benefit
Lounge Access	Domestic: Unlimited | International: Unlimited Unlimited access for primary and add-on cardholders	Domestic: Unlimited | International: Unlimited Unlimited access for primary and add-on cardholders
Reward Rate	Earn 3.3% (5 points per ₹150 spent) on regular spends and up to 33.3% (10X points) on HDFC SmartBuy for travel, shopping & select categories. Monthly caps: 15,000 bonus points on SmartBuy 10X program, 10,000 points on insurance transactions, 2 lakh points combined across all categories. points worth ₹1 each on flights/hotels/Apple/Tanishq, ₹0.50 on other vouchers, ₹0.30 as cashback.	Earn 1.5% EDGE reward points on domestic spends, 3% on international spends up to credit limit per month (then 1.5%). Excluded categories: Utility, Telecom, Rent (capped at ₹1 lakh/month), Wallet, Government, Insurance, Gold & Jewellery, Fuel, Cash advances, Repayments.
Interest Rate	1.99% per month (23.88% per annum)	3% per month (42.58% per annum)
Best For	Lounge Access, Online Shopping, Travel	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions