HDFC Infinia Credit Card Metal Edition on Petrol (any pump)

How it works

No direct merchant accelerators. Higher rates only by buying through SmartBuy (e.g. vouchers for Amazon/Flipkart). Grocery sites (Instamart, Blinkit, Zepto, BigBasket, JioMart) earn base until the 2,000-point grocery cap. Education earns only when paid directly to the institution, not through apps like CRED.

Caps & rules

• 5 points per ₹150.
• Up to 10X via SmartBuy (portal only, 15,000 accelerated points per month).
• Grocery, utilities and telecom capped at 2,000 points per month each; insurance 10,000.
• Max 2,00,000 points per cycle.
• Point value ₹1 on SmartBuy flights/hotels (max 70% of booking).

Reward limits

• Accelerated points via SmartBuy: max 15,000 points per calendar month
• Points on grocery, utilities and telecom (each): max 2,000 points per month
• Points on insurance: max 10,000 points per month
• All reward points on the card: max 2,00,000 points per statement cycle

No rewards on

Fuel, rent, government, wallet loads, EasyEMI, third-party education payments