HDFC Bank Infinia Metal Edition Credit Card
HDFC Bank · Visa · Super Premium card
Can provide high value for eligible high-spend users who make significant use of SmartBuy travel redemptions.
High-net-worth individuals and senior leaders with ₹1 Lakh+ monthly spend.
Terms checked 13 Sept 2026
- Annual fee
- ₹12,500 + GST
- Joining fee
- ₹12,500 + GST
- Base reward rate
- 1%
- Forex markup
- 2%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Travel & hotels | 1% |
| Online shopping | 1% |
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| Bills & utilities | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹10,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
Unlimited domestic airport lounge visits • Unlimited international airport lounge visits
1 domestic airport lounge visit per year · Issuer card
Guest access: Chargeable
For primary and add-on cardholders.
1 international airport lounge visit per year · Priority Pass
Guest access: Chargeable
For primary and add-on cardholders; guest visits are chargeable.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Eligible base Reward Points
Usage-based value5 points per ₹150 applies to eligible spend; GainFair values them at the conservative ₹0.30 cash route unless a redemption preference is supplied.
12,500 renewal Reward Points after renewal-fee realization and card activation
Shown without a cash valueUp to 10X points on eligible SmartBuy routes; GainFair counts only proven base rewards by default
Shown without a cash value1 Reward Point can be worth ₹1 on eligible travel, Apple and Tanishq redemptions; conservative cash value is ₹0.30
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹12,500₹12,500 annual fee before applicable tax.
Joining fee
Cost ₹12,500₹12,500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹12,500Annual fee may be waived after ₹10,00,000 of eligible annual spending.
Conditions: Reach ₹10,00,000 eligible annual spending
Welcome benefits · 2 items
12,500 welcome Reward Points
Recorded value ₹3,750Welcome points after joining-fee realization and card activation.
Conditions: Pay the applicable joining fee · Activate the card under issuer terms
First-year Club Marriott membership
Shown without a cash valueComplimentary first-year membership with participating dining, stay and spa benefits.
Conditions: Activate and enrol under the issuer fulfilment process · Partner terms and participating properties apply
Airport lounge access · 2 items
Domestic lounge access
Usage-based valueUnlimited visits through Issuer card. Guest access: chargeable. For primary and add-on cardholders.
International lounge access
Usage-based valueUnlimited visits through Priority Pass. Guest access: chargeable. For primary and add-on cardholders; guest visits are chargeable.
Travel privileges · 1 item
Book three nights and pay for two at participating ITC hotels
Shown without a cash value
Dining · 1 item
Dining benefit: 1+1 buffet at participating ITC hotels
Shown without a cash value
Golf · 1 item
Unlimited complimentary golf lessons and games with green-fee waiver at select courses
Shown without a cash value
Insurance and protection · 3 items
₹3 crore air accident cover
Shown without a cash valueUp to ₹50 lakh overseas hospitalization cover
Shown without a cash valueUp to ₹9 lakh credit liability cover
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible transactions, capped at ₹1,000 per statement cycle
Shown without a cash value
Memberships · 1 item
Complimentary first-year Club Marriott membership with participating dining and stay discounts
Shown without a cash value
Concierge · 2 items
24x7 global personal concierge
Shown without a cash valueLow 2.0% forex markup + 24/7 dedicated global concierge
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value2% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Restricted application availability
Shown without a cash valueApplication availability: invite only. No universal verified numeric income threshold is used as a hard filter. HDFC Bank offers the card to selected customers by invitation and publishes no universal income threshold.
Other categories (4)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ Up to 10X points on eligible SmartBuy routes; GainFair counts only proven base rewards by default
- ✓ Unlimited domestic and international airport lounge access for primary and add-on members; guest visits are chargeable
- ✓ 1 Reward Point can be worth ₹1 on eligible travel, Apple and Tanishq redemptions; conservative cash value is ₹0.30
- ✓ Low 2.0% forex markup + 24/7 dedicated global concierge
What to watch
Strictly invite-only. HDFC does not publish a universal income threshold, and premium redemption values require specific routes.
Recorded exclusions
Fuel Commute · Rent · Wallet load
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026