rewards
HDFC INFINIA Metal Edition
Invite-only metal card with top-tier rewards and concierge perks.
Description
3.33% base reward rate, up to 33% via SmartBuy. Invite-only card with unlimited domestic and international lounge access, unlimited golf, and a Club Marriott membership. Fee waived on ₹10L annual spend.
Disclaimer
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HDFC Infinia Metal Edition Credit Card: Benefits, Fees, Eligibility
The HDFC Infinia Metal Edition is HDFC Bank’s flagship super-premium credit card, built for high spenders who want strong rewards, unlimited lounge access, and travel perks in a single Infinia metal card. It earns 5 reward points per ₹150 spent, about 3.33% value-back when redeemed at ₹1 per point, and up to 10X rewards (around 33%) on SmartBuy spends. It also adds unlimited domestic and international lounge access, golf privileges, and a first-year Club Marriott membership. Available by invitation only, it targets HDFC’s top relationship customers. Below table shows what it offers as of October 2026, including the SmartBuy voucher cap introduced on 1 July 2026.
HDFC Infinia Card Benefits
|
Joining and annual fee |
₹12,500 + 18% GST (₹14,750 total) |
|
Fee waiver |
₹10 lakh annual spends |
|
Welcome benefit |
12,500 reward points and first-year Club Marriott membership |
|
SmartBuy rewards |
Up to 10X on hotels and 5X on flights |
|
SmartBuy vouchers |
Accelerated points capped at 3,000 a month within the 15,000 limit |
|
Lounge access |
Unlimited domestic and international (Priority Pass) |
|
Forex markup |
2% |
|
Golf |
Unlimited at partner courses |
|
Eligibility |
Invite-only |
How to Redeem Infinia Reward Points
Infinia points are most useful for making travel-related purchases. ₹1 for every point spent on booking flights or hotels from HDFC SmartBuy is redeemed in the form of points, which is the same as what you get on buying Apple products and Tanishq vouchers. You can also convert points into air miles, with 1 mile equivalent to 1 point. Vouchers and products are worth up to ₹0.5 per point, and cashbacks are equivalent to ₹0.3. It's best to keep these for times when you can't make travel bookings. Redemptions for flights, hotels, and air miles are further limited to 1.5 lakh points per month. You can use points for partial payment of Apple products and Tanishq vouchers, up to 70% of the total amount due.
|
SmartBuy flights and hotels |
₹1 |
|
Air miles conversion |
1 air mile |
|
Vouchers and products |
₹0.50 |
|
Cashback |
₹0.30 |
Points also transfer to airline partners: Flying Blue and Finnair at 1:1, Aeroplan and British Airways at 2:1. To estimate your yearly earnings, try our HDFC reward point calculator.
HDFC Infinia Credit Card Annual Fee
After paying the ₹12,500 joining fee and activating the card, you get 12,500 bonus reward points, redeemable for up to ₹12,500 on SmartBuy travel bookings, making the first year nearly fee-neutral. Moreover, the annual fee is waived on ₹10 lakh of yearly spends. However, HDFC has informed cardholders that the Infinia Experience privileges will require ₹18 lakh in annual spends or ₹50 lakh in HDFC balances (reportedly from April 2027).
HDFC Infinia Credit Card Eligibility and How to Apply
Infinia is an invite-only product, so you cannot apply for an HDFC Infinia credit card. HDFC does not disclose any information about the minimum income. However, it is likely reserved for high-income customers with long-standing HDFC relationships, an impeccable credit record, and high-limit cards from the bank. If you think you qualify, ask your HDFC relationship manager if they can upgrade you to the Infinia card. Meanwhile, the Diners Club Black Metal Edition is the closest alternative, with the same 3.33% base reward rate. Explore more HDFC Bank credit cards on CreditCardBasket.
Frequently Asked Questions
Q1. Is the HDFC Infinia card invite-only?
Yes. HDFC issues it by invitation only, with no public application form.
Q2. What is the HDFC Infinia credit card annual fee?
₹12,500 plus taxes, waived on ₹10 lakh of annual spends.
Q3. How much is an Infinia reward point worth?
Up to ₹1 on SmartBuy flights and hotels or as one air mile, ₹0.50 on vouchers and ₹0.30 as cashback.
Q4. Does Infinia offer unlimited lounge access?
Yes, domestic and international, for primary and add-on cardholders.
Q5. Is HDFC Infinia Credit Card worth it?
It pays off for frequent travelers who book flights and hotels through SmartBuy and use lounges regularly. Run your numbers in the calculator first.
Disclaimer
Last updated: October 2026. Card features, fees and caps change often. Confirm the latest terms on HDFC Bank's official website before applying or redeeming.
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