HDFC Bank Infinia Metal Credit Card benefits
- Rewards5
reward points per ₹150, about 3.3% back on SmartBuy travel
- RewardsUp to 10X
points on SmartBuy travel and shopping
- Lounge
Unlimited lounge access in India and abroad, for primary and add-on cards
Good to know
- 1 point = ₹1 on SmartBuy flights, hotels, Apple and Tanishq
- 2% foreign currency markup
- Annual fee ₹12,500, waived on ₹10 lakh of yearly spends
HDFC Bank Infinia Metal Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| GroceriesGrocery spends earn the normal 5 points per ₹150, up to 2,000 points a calendar month. | 3.33 points per ₹100 | 2,000 |
| Bills and utilitiesUtility bills earn 5 points per ₹150, up to 2,000 points a month. Telecom has a separate limit of 2,000 points, and insurance a limit of 10,000 points. | 3.33 points per ₹100 | 2,000 |
| Everything else | 3.33 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel, rent and property management, government transactions, wallet loads, EasyEMI, and education payments through third-party apps such as CRED.
All reward rules
- We use ₹1 per point, the value HDFC Bank states for flights and hotels on SmartBuy and for Apple products and Tanishq vouchers. Air miles give up to 1 mile per point, products and vouchers up to ₹0.50 and cashback up to ₹0.30.
- Up to 10X reward points on travel and shopping through HDFC Bank SmartBuy, up to 15,000 extra points a calendar month. Not counted in the maths, because it applies only on SmartBuy and HDFC Bank calls it a limited period offer.
- Points can pay up to 70% of a travel booking, with up to 1.5 lakh points a month on flights, hotels and air miles.
- Most points you can earn in a statement cycle: 2,00,000.
- Welcome and renewal benefit: 12,500 reward points once the fee is paid.
- Reward points are valid for 3 years.
What the HDFC Bank Infinia Metal Credit Card gives back in a year
Say you spend ₹84,000 a month. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹8,400 | 3.33% | ₹3,357 |
| Dining and food delivery | ₹5,600 | 3.33% | ₹2,238 |
| Online shopping | ₹50,400 | 3.33% | ₹20,140 |
| Travel | ₹2,800 | 3.33% | ₹1,119 |
| Fuel | ₹2,800 | 0% | ₹0 |
| Bills and utilities | ₹5,600 | 3.33% | ₹2,238 |
| Everything else | ₹8,400 | 3.33% | ₹3,357 |
| Total | ₹84,000 | ₹32,448 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹32,448* |
That is ₹3,216 a year more than the HSBC Premier Credit Card on the same spending.
HDFC Bank Infinia Metal Credit Card annual fee and charges
- Joining fee
- ₹12,500
- Annual fee
- ₹12,500
- Fee waiver
- ₹10,00,000 a year
- Foreign currency markup
- 2%
Joining and annual fee ₹12,500, both before GST. The renewal fee is waived if you spend ₹10 lakh or more in the previous 12 months. The card is by invitation only.
Fuel surcharge: 1% fuel surcharge waiver on fuel spends of ₹400 or more, up to ₹1,000 a statement cycle.
HDFC Bank Infinia Metal Credit Card eligibility
HDFC Bank offers this card by invitation only. It does not publish an income requirement and assesses eligibility itself.
The bank alone decides approval and your credit limit.
HDFC Bank Infinia Metal Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Lounge access has no fixed count. HDFC Bank gives unlimited domestic lounge access, and unlimited access worldwide with Priority Pass, for primary and add-on cardholders.
Is the HDFC Bank Infinia Metal Credit Card right for you?
A card with a ₹12,500 fee that spending can waive, paying an above-average 3.33% on most spends.
Worth its fee if you spend about ₹39,000 a month or more. Below that, the ₹12,500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You want one flat rate: 3.33% back on most spends, with no categories to track.
- You spend ₹10,00,000 a year or more (about ₹83,400 a month), so the ₹12,500 renewal fee is waived.
- You pay in foreign currency, abroad or on foreign websites: the markup is 2%, against a typical 3.5% on the cards we list.
Not for you if
- You spend less than about ₹83,400 a month: you would pay ₹14,750 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank Infinia Metal Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank Infinia Metal Credit Card | ₹12,500 | 3.33% | -₹3,961* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Infinia Credit Card?
The joining and annual fee is ₹12,500, before GST. The renewal fee is waived if you spend ₹10 lakh or more in the previous 12 months.
How can I get the HDFC Infinia Credit Card?
Only by invitation. HDFC Bank decides who gets the card and tells eligible customers directly. It does not publish an income requirement.
What is the value of an HDFC Infinia reward point?
₹1 on flights and hotels booked on SmartBuy, and on Apple products and Tanishq vouchers. Products and vouchers give up to ₹0.50, and cashback against your statement up to ₹0.30.
How many reward points does HDFC Infinia give?
5 reward points per ₹150 on retail spends, and up to 10X on SmartBuy. Fuel, rent, government, wallet loads and EMI spends earn nothing. Groceries and utilities are capped at 2,000 points a month each.
Does HDFC Infinia give unlimited lounge access?
Yes. Primary and add-on cardholders get unlimited lounge access in India and unlimited access worldwide with their own Priority Pass. Guests are charged.