HDFC Bank Infinia Credit Card (Metal)
TravelPremiumVerified · August 25, 2026
4.9/5.0
Updated on August 25, 2026 · Author: Team PaisaSimple
🎖️Reward Rate
Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
Overview
HDFC Bank Infinia Credit Card (Metal) by HDFC Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Accelerated Rewards: Earn up to 10 times (10X) Reward Points on travel and shopping spends on SmartBuy
- • Excluded Categories: Fuel, Rental Transactions (MCC 6513) & 1% Surcharge, Prepaid Wallet Loads
Welcome Benefit
Complimentary Club Marriott membership for first year + Welcome benefit of 12,500 Reward Points upon fee realization and card activation.; Qualification Criteria: Payment of joining fee & card activation; Club Marriott: Up to 50% dining & stay discount across Asia-Pacific; Member Night (Monday): Buy 1 drink, get complimentary 2nd drink; Member Day (Tuesday): 50% off food bill & 25% off beverage bill; Renewal benefit: 12,500 Reward Points upon renewal fee realization; Fulfillment Timeline: Credited within 30-45 working days post fee realization
Milestone Benefit
Spend ₹10 Lakhs (Annual): Renewal fee waiver - Spend ₹10 Lakhs or more in preceding 12 months; Annual Fee Waiver: Spend ₹10 Lakhs or more in preceding 12 months for fee waiver
Redemption
- • Flights and Hotel Bookings via SmartBuy at 1 RP = ₹1.00
- • Apple products & Tanishq vouchers via SmartBuy at 1 RP = ₹1.00
- • Airmiles Transfer (1:1 with partner airlines)
- • NetBanking statement credit / Cash redemption at 1 RP = ₹0.30
Benefits
- Domestic Airport Lounge: Unlimited via Visa Infinite / Mastercard World Elite (Guest Access: Complimentary for primary & add-on cardholders at domestic lounges across India)
- International Airport Lounge: Unlimited via Priority Pass (1,000+ lounges worldwide) (Guest Access: Complimentary worldwide airport lounge access for primary & add-on cardholders)
- Fuel Surcharge Waiver: 1% (Max waiver ₹1000 per statement cycle) on fuel transactions between ₹400 and ₹5000
- ITC Hotels Stay & Buffet Privileges: Book stay for 3-nights & pay for 2 at participating ITC hotels + 1+1 complimentary buffet at participating ITC hotels. (Stay 3 nights pay for 2 at ITC, 1+1 complimentary buffet at ITC hotels, Club Marriott dining discounts up to 50%) [Partners: ITC Hotels, Club Marriott]
- Unlimited Complimentary Global Golf Lessons & Games: Unlimited complimentary golf lessons & games at leading courses across India and select courses worldwide. 100% green fee waiver at select golf courses. (Unlimited golf lessons and green fee games, 100% green fee waiver, 24x7 Golf Concierge Booking Hotline: 1800 118 887
- 022 42320226) [Partners: Global Golf Network]
- 24x7 Global Personal Concierge: Dedicated personal concierge for customized bookings, golf reservations, itinerary planning, private dining, international gift delivery, event planning, and airport VIP meet-and-greet services. (Golf booking, Itinerary planning, Airport VIP service (meet-and-greet), Private dining & international gift delivery) [Partners: Global Concierge Services]
- Emergency Medical, Air Death Cover & Zero Lost Card Liability: Accidental Air Death Cover up to ₹3 Crores, Emergency overseas hospitalization cover up to ₹50 Lakhs, and Zero Lost Card Liability upon immediate reporting to 24-hour call centre. (Accidental Air Death Cover up to ₹3 Crores, Emergency Medical Cover up to ₹50 Lakhs, Zero Lost Card Liability on immediate intimation to 24-hr call centre, Interest-free credit period up to 50 days, Smart EMI post-purchase conversion option) [Partners: HDFC ERGO, HDFC Bank Protection Desk]
Things to Know Before you apply
HDFC Bank Infinia Credit Card (Metal) Eligibility Criteria
- Age: 21–65 years
- Net monthly salary > ₹3,00,000 or ITR > ₹36 Lakhs / invite by relationship manager
- Salaried & Self-Employed Individuals
- Resident Indian
HDFC Bank Infinia Credit Card (Metal) Customer Care
- Toll Free: 1800 1600 / 1800 2600 (General) | 1800 118 887 (Golf Concierge)
- Landline: +91 22 6160 6161 (Cards) | 022 42320226 (Concierge)
- Concierge Service: customerservices.cards@hdfcbank.com
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Foreign Currency Mark-up Fee | 2% |
| Cash Advance Fee | 2.5% of withdrawn amount or min ₹500 |
Fee waiver: Spend ₹10 Lakhs or more in preceding 12 months for fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
HDFC Bank Infinia Credit Card (Metal) issued by HDFC Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
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Fee Details
Joining Fee
₹12,500
Annual/Renewal Fee
₹12,500
Joining Fee
₹12,500
Annual/Renewal Fee
₹12,500
Joining Fee
₹12,500
Annual/Renewal Fee
₹12,500
Welcome Benefit
- • Complimentary Club Marriott membership for first year + Welcome benefit of 12,500 Reward Points upon fee realization and card activation.
- • Qualification Criteria: Payment of joining fee & card activation
- • Club Marriott: Up to 50% dining & stay discount across Asia-Pacific
- • Member Night (Monday): Buy 1 drink, get complimentary 2nd drink
- • Member Day (Tuesday): 50% off food bill & 25% off beverage bill
- • Renewal benefit: 12,500 Reward Points upon renewal fee realization
- • Fulfillment Timeline: Credited within 30-45 working days post fee realization
- • Choice of luxury welcome voucher worth ₹12,500 (Luxe gift card, The Postcard Hotels voucher, or Yatra flight voucher)
- • Qualification Criteria: Payment of joining fee within 30 days
- • Fulfillment Timeline: 30 days post fee payment
- • White Pass worth ₹10,000 upon payment of joining fee and spend of ₹30,000 within first 60 days
- • Qualification Criteria: Payment of joining fee and ₹30k spend within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
Reward/Cashback Rate
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Accelerated Rewards: Earn up to 10 times (10X) Reward Points on travel and shopping spends on SmartBuy
- • Excluded Categories: Fuel, Rental Transactions (MCC 6513) & 1% Surcharge, Prepaid Wallet Loads
- • Base Rewards: 12 EDGE Reward Points per ₹200 (12 EDGE Reward Points per ₹200 on standard retail spends)
- • Accelerated Rewards: 35 EDGE Reward Points per ₹200 (5.8% return) on Travel EDGE bookings. 5:2 airline/hotel miles transfer ratio (5:4 for Burgundy Magnus).
- • Excluded Categories: Fuel, Wallet loads, Government payments, Rent
- • Base Rewards: White Pass Milestone Currency per ₹100 (Earn White Pass worth ₹1,500 up to ₹2,50,000 across milestone spends from ₹2 Lakhs to ₹1 Crore)
- • Accelerated Rewards: White Pass currency with 1:1 INR redemption value across luxury lifestyle, hotel, flight, and curated retail partners
- • Excluded Categories: Fuel, Wallet loads, Rent
Pros
- • Base Rewards: 5 Reward Points per ₹150 (5 Reward Points on every Rs.150 retail spends including Insurance, Utilities and Education (3.3% base reward rate))
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 12 EDGE Reward Points per ₹200 (12 EDGE Reward Points per ₹200 on standard retail spends)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: White Pass Milestone Currency per ₹100 (Earn White Pass worth ₹1,500 up to ₹2,50,000 across milestone spends from ₹2 Lakhs to ₹1 Crore)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹12500
- • Reward exclusion on fuel purchases and wallet load transactions