HDFC Bank

Infinia Metal Edition

HDFC Bank Infinia Metal Edition

Mastercard World edition of HDFC's Infinia metal card: same ₹12,500 fee, 3.33% base rewards, unlimited lounge access as Visa Infinite, but without Luxury Hotel Collection and Thriwe membership.

travelpremiumlifestyledining

Also available on Visa

HDFC Bank Infinia Metal Edition is issued on more than one network — each has different rewards and lounge access.

HDFC Bank
VISA
Infinia Metal Edition
Visa variant
The Mastercard World variant shares the same fees, base reward rate, and SmartBuy accelerator, but drops the Visa-exclusive Luxury Hotel Collection benefit and complimentary Thriwe membership, and uses HDFC's separate Mastercard Lounge Access Program rather than the Visa lounge arrangement.

Last reviewed 21 July 2026

Fees

Joining fee

₹12,500

Annual fee

₹12,500

Waiver: Renewal fee waived on spend of ₹10,00,000 or more in the preceding 12 months. Separately (and not a fee matter), from April 2026 HDFC requires either ₹18,00,000 annual spend or ₹50,00,000 average relationship value (savings/current/FD/RD balances) to retain the card at all, reviewed annually starting April 2027; falling short risks downgrade or removal from the program. No evidence this differs by network — HDFC treats Infinia as one product line with a network choice.

Eligibility

Min. monthly income: ₹5,00,000

Min. CIBIL Score: 750+

Age: 21–65 yrs

Employment: salaried, self employed, business owner

Rewards

travel33.3x points(cap 15,000 points/1mo)

groceries3.33x points(cap 2,000 points/1mo)

fuel0x points

all other3.33x points

Welcome benefits

• 12,500 bonus Reward Points credited on payment of the joining fee (redemption value ranges from ~₹3,750 as cashback to ₹12,500 if used for SmartBuy flight/hotel bookings)
• Complimentary 1-year Club Marriott membership on card issuance

Perks

✓Domestic lounge access: unlimited/yrComplimentary for primary and add-on cardholders, no minimum spend condition; routed through the Mastercard Lounge Access Program rather than Visa's own domestic lounge network (visit count and no-spend condition are the same, per community reporting — HDFC does not publish a network-by-network comparison page)
✓International lounge access: unlimited/yrComplimentary via Priority Pass at 1,000+ lounges worldwide for primary and add-on cardholders, no minimum spend condition
✓Fuel surcharge waiver: 1%Capped at ₹1,000/month
✓Forex markup: 2%
✓Concierge service
✓Unlimited complimentary golf games and lessons at leading courses across India and select courses abroad
✓Accidental air death cover: ₹3 Cr (primary cardholder only; activates when the ticket is purchased on the card)
✓Emergency overseas hospitalization cover: ₹50 Lakh
✓Credit shield cover: ₹9 Lakh on outstanding dues (accidental death/permanent disability)
✓Figures carried over from the Visa Infinite variant's published cover amounts — HDFC hosts a separate, Mastercard-specific insurance annexure PDF on its own domain, but it could not be retrieved to independently confirm these amounts match line-by-line for this network variant
✓Base earn rate: 5 Reward Points per ₹150 spent (3.33 points/₹100), including on insurance, utility and education spends
✓No Reward Points earned on fuel, rent, property management, government payments, EasyEMI conversions, or wallet loads
✓Insurance-category spends capped at 10,000 Reward Points/month; grocery, telecom and utility spends capped at 2,000 Reward Points/month combined
✓Up to 10X (33.3 points/₹100) accelerated Reward Points on flight and hotel bookings via the SmartBuy portal, capped at 15,000 accelerated points/month
✓Redemption value: ₹1/point for flights, hotels, Apple and Tanishq products via SmartBuy; ₹0.50/point for other SmartBuy vouchers/products; ₹0.30/point as NetBanking cashback; 1 point = 1 air mile on transfer to airline partners
✓Effective from 1 Feb 2026: max 5 redemptions/month, capped at 50,000 points (up to ₹2,00,000) against statement balance per month, and ₹1,50,000/month specifically for flight, hotel and airmiles redemptions
✓12,500 bonus Reward Points also credited each year on payment of the renewal fee (when not waived)
✓Issued as Mastercard World (not the rarer Mastercard World Elite tier) — a genuine, separately-issued network variant of the Visa Infinite Infinia, confirmed by cardholder community reporting (TechnoFino) rather than a dedicated HDFC comparison page
✓Does not include the Visa Luxury Hotel Collection (room upgrades, complimentary breakfast, late checkout at partner hotels) or the complimentary Thriwe membership that ship with the Visa Infinite variant
✓Invite-only / by-eligibility card; self-employed applicants are typically assessed on ITR of ₹60 Lakh+ per year rather than the monthly income figure above

Common questions

What is the annual fee on the HDFC Bank Infinia Metal Edition?: The joining fee is ₹12,500. The annual fee is ₹12,500. Renewal fee waived on spend of ₹10,00,000 or more in the preceding 12 months. Separately (and not a fee matter), from April 2026 HDFC requires either ₹18,00,000 annual spend or ₹50,00,000 average relationship value (savings/current/FD/RD balances) to retain the card at all, reviewed annually starting April 2027; falling short risks downgrade or removal from the program. No evidence this differs by network — HDFC treats Infinia as one product line with a network choice.
What are the reward rates on the HDFC Bank Infinia Metal Edition?: HDFC Bank Infinia Metal Edition earns 33.3x points on travel, 3.33x points on groceries, 3.33x points on all other spends.
Does the HDFC Bank Infinia Metal Edition offer airport lounge access?: Yes: unlimited domestic lounge visits per year (Complimentary for primary and add-on cardholders, no minimum spend condition; routed through the Mastercard Lounge Access Program rather than Visa's own domestic lounge network (visit count and no-spend condition are the same, per community reporting — HDFC does not publish a network-by-network comparison page)) and unlimited international lounge visits per year (Complimentary via Priority Pass at 1,000+ lounges worldwide for primary and add-on cardholders, no minimum spend condition).
Who is eligible for the HDFC Bank Infinia Metal Edition?: Applicants typically need a minimum monthly income of ₹5,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by HDFC Bank and can vary by application.
Is the HDFC Bank Infinia Metal Edition available on other networks?: Yes, it's also issued on Visa. The Mastercard World variant shares the same fees, base reward rate, and SmartBuy accelerator, but drops the Visa-exclusive Luxury Hotel Collection benefit and complimentary Thriwe membership, and uses HDFC's separate Mastercard Lounge Access Program rather than the Visa lounge arrangement.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

TravelBest rate

₹

33.3x points· cap 15,000 points/1mo

Groceries

₹

3.33x points· cap 2,000 points/1mo

Fuel

₹

0x points

Everything else

₹

3.33x points

Estimated annual value—

Apply now

Annual fee

₹4,500

Up to

2x points

CompareView details →

Annual fee

₹10,000

Up to

2x points

CompareView details →

Annual fee

₹5,000

Up to

2x points

CompareView details →

Fees

Joining fee

₹12,500

Annual fee

₹12,500

Rewards

travel33.3x points(cap 15,000 points/1mo)

groceries3.33x points(cap 2,000 points/1mo)

fuel0x points

all other3.33x points

Welcome benefits

• 12,500 bonus Reward Points credited on payment of the joining fee (redemption value ranges from ~₹3,750 as cashback to ₹12,500 if used for SmartBuy flight/hotel bookings)
• Complimentary 1-year Club Marriott membership on card issuance

Perks

✓Domestic lounge access: unlimited/yrComplimentary for primary and add-on cardholders, no minimum spend condition; routed through the Mastercard Lounge Access Program rather than Visa's own domestic lounge network (visit count and no-spend condition are the same, per community reporting — HDFC does not publish a network-by-network comparison page)

✓International lounge access: unlimited/yrComplimentary via Priority Pass at 1,000+ lounges worldwide for primary and add-on cardholders, no minimum spend condition

✓Fuel surcharge waiver: 1%Capped at ₹1,000/month

✓Forex markup: 2%

✓Concierge service

✓Unlimited complimentary golf games and lessons at leading courses across India and select courses abroad

✓Accidental air death cover: ₹3 Cr (primary cardholder only; activates when the ticket is purchased on the card)

✓Emergency overseas hospitalization cover: ₹50 Lakh

✓Credit shield cover: ₹9 Lakh on outstanding dues (accidental death/permanent disability)

✓Figures carried over from the Visa Infinite variant's published cover amounts — HDFC hosts a separate, Mastercard-specific insurance annexure PDF on its own domain, but it could not be retrieved to independently confirm these amounts match line-by-line for this network variant

✓Base earn rate: 5 Reward Points per ₹150 spent (3.33 points/₹100), including on insurance, utility and education spends

✓No Reward Points earned on fuel, rent, property management, government payments, EasyEMI conversions, or wallet loads

✓Insurance-category spends capped at 10,000 Reward Points/month; grocery, telecom and utility spends capped at 2,000 Reward Points/month combined

✓Up to 10X (33.3 points/₹100) accelerated Reward Points on flight and hotel bookings via the SmartBuy portal, capped at 15,000 accelerated points/month

✓Redemption value: ₹1/point for flights, hotels, Apple and Tanishq products via SmartBuy; ₹0.50/point for other SmartBuy vouchers/products; ₹0.30/point as NetBanking cashback; 1 point = 1 air mile on transfer to airline partners

✓Effective from 1 Feb 2026: max 5 redemptions/month, capped at 50,000 points (up to ₹2,00,000) against statement balance per month, and ₹1,50,000/month specifically for flight, hotel and airmiles redemptions

✓12,500 bonus Reward Points also credited each year on payment of the renewal fee (when not waived)

✓Issued as Mastercard World (not the rarer Mastercard World Elite tier) — a genuine, separately-issued network variant of the Visa Infinite Infinia, confirmed by cardholder community reporting (TechnoFino) rather than a dedicated HDFC comparison page

✓Does not include the Visa Luxury Hotel Collection (room upgrades, complimentary breakfast, late checkout at partner hotels) or the complimentary Thriwe membership that ship with the Visa Infinite variant

✓Invite-only / by-eligibility card; self-employed applicants are typically assessed on ITR of ₹60 Lakh+ per year rather than the monthly income figure above

Common questions

What is the annual fee on the HDFC Bank Infinia Metal Edition?

The joining fee is ₹12,500. The annual fee is ₹12,500. Renewal fee waived on spend of ₹10,00,000 or more in the preceding 12 months. Separately (and not a fee matter), from April 2026 HDFC requires either ₹18,00,000 annual spend or ₹50,00,000 average relationship value (savings/current/FD/RD balances) to retain the card at all, reviewed annually starting April 2027; falling short risks downgrade or removal from the program. No evidence this differs by network — HDFC treats Infinia as one product line with a network choice.

What are the reward rates on the HDFC Bank Infinia Metal Edition?

HDFC Bank Infinia Metal Edition earns 33.3x points on travel, 3.33x points on groceries, 3.33x points on all other spends.

Does the HDFC Bank Infinia Metal Edition offer airport lounge access?

Yes: unlimited domestic lounge visits per year (Complimentary for primary and add-on cardholders, no minimum spend condition; routed through the Mastercard Lounge Access Program rather than Visa's own domestic lounge network (visit count and no-spend condition are the same, per community reporting — HDFC does not publish a network-by-network comparison page)) and unlimited international lounge visits per year (Complimentary via Priority Pass at 1,000+ lounges worldwide for primary and add-on cardholders, no minimum spend condition).

Who is eligible for the HDFC Bank Infinia Metal Edition?

Applicants typically need a minimum monthly income of ₹5,00,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed or business owner. Exact criteria are set by HDFC Bank and can vary by application.

Is the HDFC Bank Infinia Metal Edition available on other networks?

Yes, it's also issued on Visa. The Mastercard World variant shares the same fees, base reward rate, and SmartBuy accelerator, but drops the Visa-exclusive Luxury Hotel Collection benefit and complimentary Thriwe membership, and uses HDFC's separate Mastercard Lounge Access Program rather than the Visa lounge arrangement.

HDFC Bank Infinia Metal Edition

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

You might also like

HDFC Bank Infinia Metal Edition

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

You might also like