Infinia Metal Credit Card
The HDFC Bank Infinia Metal Credit Card is an invite-only super-premium card earning 5 reward points per ₹150 on all retail spends (3.33% base reward rate) and up to 10X points on SmartBuy portal travel bookings.
Premium Privileges Fit Score
97/100
Joining Fee
₹12,500
Annual Fee
₹12,500
Reward Rate (%)
3.33 – 10
3.33 pts/₹100 · ₹1/pt
Forex Markup
2%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
18/25
Lounge & Perks
20/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Infinia Metal Credit Card Benefits
Infinia Metal Credit Card Rewards
How you earn back on every swipe
points
Reward type
3.33% – 10%
Earn rate
3.33
Points / ₹100
₹1
Per point
36 months
Point expiry
Infinia Metal Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Infinia Metal Credit Card Lounge Access
Airport perks included with this card
Unlimited Visits
Domestic airport lounge access
Priority Pass
Included with this card
Things to Keep in Mind
- No Reward Points on fuel transactions
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
Spend ₹0/mo more (or ₹4 more per year) to waive the renewal fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Infinia Metal Credit Card 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
- 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 1 Sept 2026
Calculate your exact earnings with Infinia Metal Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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