HDFC Bank

VISA

Infinia Metal Edition

HDFC Bank Infinia Metal Edition

HDFC's top-tier metal card for high-spending frequent travelers, pairing unlimited no-condition lounge access with a 3.33% base reward rate that climbs to 33.3 points per ₹100 on SmartBuy flight and hotel bookings.

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Last reviewed 14 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.

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
✓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)
✓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)
✓Also issued as a Mastercard World variant alongside the Visa Infinite variant this record is based on; benefits are broadly aligned across networks
✓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.
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) 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.

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—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

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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

✓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)

✓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)

✓Also issued as a Mastercard World variant alongside the Visa Infinite variant this record is based on; benefits are broadly aligned across networks

✓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.

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) 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.

HDFC Bank Infinia Metal Edition

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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HDFC Bank Infinia Metal Edition

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