HDFC Infinia Credit Card Metal Edition
Fees
₹12,500 + Taxes
Joining & annual
Reward Rate
5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings
Welcome Bonus
12,500 Reward Points upon fee payment and card activation
Lounge
Unlimited Domestic + International
Our Expert Take
HDFC Infinia remains one of the strongest reward rates on any Indian card: a 3.3% base return that climbs to roughly 33% on flights and hotels booked through SmartBuy. Unlimited lounge access, Club Marriott membership and global golf access round out what is genuinely a top-tier card, priced accordingly at ₹12,500.
Reward limits
Checked 27 Sep 2026 · Bank terms
-
Accelerated points via SmartBuy
Max 15,000 points per calendar month
-
Points on grocery, utilities and telecom (each)
Max 2,000 points per month
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Points on insurance
Max 10,000 points per month
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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
Pros & Cons
Key Advantages
- Industry-leading 3.3% base reward rate (5 points/₹150, 1 point = ₹1 for flight/hotel)
- 10X reward points on SmartBuy (up to 33% reward rate on flights & hotel bookings)
- Unlimited complimentary lounge access worldwide for primary & add-on cardholders
- Complimentary Club Marriott membership and golf games globally
- Low foreign currency markup fee of 2% + Taxes
Limitations
- Strict invite-only eligibility criteria and high income threshold
- ₹12,500 annual fee charged upfront (offset by 12,500 points on payment)
- SmartBuy rewards capped at 15,000 points/month; brand vouchers sub-capped at 3,000 points/month (from Jul 2026)
Key Perks & Spending Milestones
5 reward points per ₹150 spent on all retail transactions
Up to 10X reward points on travel and shopping bookings via HDFC SmartBuy
Unlimited complimentary domestic and international airport lounge access via Priority Pass for primary & add-on members
Complimentary 1-year Club Marriott membership giving up to 20% off on dining & stays across Asia-Pacific
Complimentary golf games and lessons at select golf courses in India and abroad
24x7 Dedicated Global Concierge service for flight, hotel, and dining reservations
2% foreign exchange markup fee on overseas currency transactions
Spend milestone
Annual fee waived on annual retail spends of ₹10 Lakh
Spend milestone
Bonus 12,500 reward points on card renewal fee payment
Fees & Charges
Joining fee
₹12,500 + Taxes
Annual fee
₹12,500 + Taxes
Annual fee waived on ₹10 Lakh annual retail spends
Interest rate
1.99% per month (23.88% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹3 Crore
lost card liability
Up to ₹9 Lakh
purchase protection
Nil
emergency medical cover
Up to ₹50 Lakh (overseas)
Eligibility Criteria
salaried minimum income
₹2.75 Lakh per month
self employed ITR
₹60 Lakh per annum
age
21 to 60 years
Credit score & income
Excellent (780+), Salaried ₹2.75 Lakh/month or ITR ₹60 Lakh/annum
Frequently Asked Questions
Was HDFC Infinia affected by the 2026 reward rate revisions?
How many lounge visits does HDFC Infinia offer?
What's the SmartBuy earn rate on Infinia?
Is HDFC Infinia invite-only?
Compare HDFC Infinia Credit Card Metal Edition With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC Infinia Credit Card Metal Edition This Card | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |
| American Express® Platinum Travel Credit Card | ₹5,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (2% base, up to 2.85%... | 8 Domestic/yr (₹1L Qtr Spend) + Priority Pass | 4.8/5 |