HDFC Bank
Infinia Metal Credit Card
Your rating
Community rating
Joining Fee
₹12,500
Annual Fee
₹12,500
Reward Rate
Up to 1%
Forex Markup
2%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
Up to 1%
Earn rate
3.33
Points / ₹100
₹1
Per point
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
Priority Pass
Included with this card
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No Reward Points on fuel transactions
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Invite only — You typically need an existing relationship with HDFC Bank to get this card.
Pros & Cons
- One of the best super-premium credit cards in India
- Extremely high reward value through SmartBuy redemption
- Unlimited lounge access for both primary and add-on cardholders
- Excellent airline and hotel transfer partners
- Strong international travel and luxury lifestyle benefits
- Low forex markup with potential positive net reward rate on forex spends
- Premium golf, dining, concierge & hotel privileges
- Reward Points do not expire
- Metal card design and premium customer experience
- Invite-only eligibility makes approval difficult
- Very high annual fee of ₹12,500 + GST
- Best value depends heavily on SmartBuy optimization
- Reward structure is complex for beginners
- Diners/partner acceptance can occasionally be inconsistent internationally
- Spend exclusions and redemption limits have increased recently
- Annual fee waiver threshold is extremely high
- Overkill for low or moderate spenders
Who is this card for?
HDFC Bank premium banking customers with monthly spends exceeding ₹1,50,000, who frequently travel in business class and value the highest possible reward rate, unlimited lounge access, and elite hotel status.
Quick Links
Data last updated 17 Mar 2026