Rated 19 Oct 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate
Premium · Open to new applications · Earns Reward Points
“HDFC Bank Infinia Metal Credit Card is offered to select customers by invitation only.”
First-year fee
₹12,500 + GST
₹12,500 plus Applicable Taxes (for cards sourced after October 18, 2021)Annual fee
₹12,500 + GST
What it gives back
5 Reward Points per ₹150 · everyday spends
Compared with the cards we have read
Annual feeJoining feeRenewal fee
₹12,500 + GST
Fee waiver rule
Fee waived if you spend ₹10 lakh.
Add-on card fee
₹0
Welcome benefit
Complimentary Club Marriott membership for first year. · Welcome benefit of 12,500 reward points.
Reward rate
5 Reward Points per ₹150 · everyday spends5 Reward Points on every ₹150 retail spends including Insurance, Utilities and Education
EMI spend earningWallet load earning
EasyEMI and e-wallet loading transactions will not accrue reward points.
Fuel earning
Reward points will not be accrued for fuel transactions.
Government spend earning
Reward points will not be accrued for rental pay transactions, property management services like rent, maintenance, packers &movers, etc and government transactions.
Groceries earning
Reward points earned on grocery transaction will be capped at 2000 RP per calendar month.
Insurance spend earning
With effect from 1st July 2025, Reward points accrued for Insurance transactions will have a maximum cap of 10,000 reward points per month.
Rent earning
Reward points will not be accrued for rental pay transactions.
Travel earning
Earn up to 10 times Reward Points* on your travel and shopping spends on Smartbuy
Utilities earning
Reward Points earned on utility transactions are capped at 2000 Reward Points per calendar month.
Reward exclusions
Reward points will not be accrued for fuel transactions; EasyEMI and e-wallet loading transactions will not accrue reward points; Reward points will not be accrued for rental pay transactions, property management services like rent, maintenance, packers &movers, etc and government transactions.
Reward caps
The maximum reward points that can be earned in a statement cycle for Infinia/infinia Metal is 2,00,000
What one reward unit is worth
1 Reward point is worth ₹1 on flights and hotel bookings and on Apple products and Tanishq vouchers purchased via SmartBuy; up to ₹0.50 on products and vouchers; up to ₹0.30 as cashback against statement balance
Cashback redemption
Reward Point redemptions are capped per month to 50,000 reward points against statement balance.
Catalogue redemption
Apple products and Tanishq vouchers purchased via SmartBuy ₹1.
Flight redemption
Reward point redemption will be capped at 1.5 lakh reward points per month for Flights, Hotel Bookings and airmiles.
Hotel redemption
Flights and hotel bookings ₹1.
Points transfer redemption
Redemption of Reward Points for flights & hotel bookings and against airmiles transfer on Smartbuy portal will be capped at 1,50,000 Reward Points per calendar month.
Redeeming points for travel
Redeem up to maximum of 70% on the travel bookings (Flights, Hotel and experiences) using reward points. The balance amount will need to be paid via credit card
Statement-credit redemption
Cashback against statement Balance up to ₹0.30
Voucher and product redemption
Products and Voucher up to ₹0.50
Airline and hotel partners points may move to
Airmiles conversion Upto 1 Airmile
Point expiry
Reward points are valid only for 3 years from the date of accumulation
Smallest number of points that can be redeemed
Minimum amount required for cashback redemption: ₹500
Reward earning on dining spends
The bank's documents don't say.Checked 19 Oct 2026
Online earning
The bank's documents don't say.Checked 19 Oct 2026
Award examples
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
International lounge access
Unlimited complimentary International airport lounge access outside India via Priority Pass for Primary and Add-on cardholders (1,000+ lounges worldwide).
Domestic lounge access
Unlimited complimentary Domestic airport lounge access in India with your HDFC Bank Infinia Credit Card (Primary & Add-on)
Priority Pass
Unlimited complimentary International airport lounge access via Priority Pass for Primary and Add-on cardholders (1,000+ lounges worldwide)
Hotel or travel programme
Up to 20% off on the Best Available Rate on rooms at participating Marriott hotels in India and Asia Pacific.
Hotel or travel programme
Book stay for 3-nights & pay for 2 at participating ITC hotels.
Dining programme
1+1 buffet at participating ITC hotels; Up to 25% discount on Dining & stay across Asia-Pacific with Complimentary Club Marriott Membership
Golf
Enjoy 100% green fee waiver at select golf courses worldwide.
Concierge
24 x 7 Global Personal Concierge.
Concierge
Golf Booking, Itinerary planning and reservation assistance, Private dining assistance, International gift delivery, Event planning and referrals, Airport VIP service (meet-and-greet)
Renewal benefit
12,500 Reward Points upon fee realization and card activation.
Benefit given each anniversary year
Renewal benefit: 12,500 Reward Points upon fee realization and card activation.
Retention or continued-access criteria
Infinia Card Spends: ₹18 Lakhs (Primary + Add-ons) or Relationship Value: ₹50 Lakhs.
Minimum spend rules
Transactions below ₹150 will not earn Reward Points (earned on transaction amounts in multiple of ₹150)
The period milestones are measured over and when it resets
The bank's documents don't say.Checked 19 Oct 2026
Milestone benefits
The bank's documents don't say.Checked 19 Oct 2026
Spend that unlocks lounge visits in the next period
The bank's documents don't say.Checked 19 Oct 2026
Movies and entertainment
The bank's documents don't say.Checked 19 Oct 2026
Movie or entertainment ticket benefit
The bank's documents don't say.Checked 19 Oct 2026
Membership tiers and what unlocks them
The bank's documents don't say.Checked 19 Oct 2026
Fuel surcharge waiver
Convenience fee waiver of 1% on all fuel transactions; the waiver is applicable only for fuel transactions between ₹400 to ₹1,00,000 (maximum waiver of ₹1000 per statement cycle)
Surcharge on railway tickets
1% fee on railway ticket purchases, plus GST
Air accident cover
Up to 375,000 USD for death in air accident
Credit shield cover
Credit shield: the outstanding amount on the Infinia credit card is covered to an extent of ₹9 lakh in case of accidental death and permanent disability.
Lost card liability
Lost card liability: cover up to ₹9 lakh, available for the primary card holder
Medical and hospitalisation coverTravel insurance
Medical emergency cover: the card holder is covered up to 62,500 USD against medical emergencies during travel abroad; the travel insurance is valid only for international travel, subject to travel origination from India, and the maximum trip duration is restricted to 30 days
Balance transfer terms
1% of BT amount or ₹250, whichever is higher.
Purchase to EMI conversion
Option to convert big spends into EMI after purchase.
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Forex markup
2% on foreign currency transactions.2% on all foreign currency transactions
Dynamic currency conversion markup
Markup fee of 1.75% on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas (with effect from 15th May 2026)
Cash advance interest
1.99% per month (23.88% annually) on both revolving credit and cash advances, applicable to the outstanding balance until fully paid
Cash withdrawal limit
Cash withdrawal limit: 40% of the Credit Limit.
Interest on unpaid balance
1.99% per month (23.88% annually)
Interest-free period
Up to 50 days of interest free period from the date of purchase
Payment return or dishonour fee
2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility); capping of ₹4999 for Infinia & Infinia Metal Credit Card
Statement or duplicate statement fee
Duplicate physical statement charges: ₹10 per duplicate physical statement.
Card replacement fee
₹3,500 for metal cards
Cash payment / cash deposit fee
Cash Processing Fee: ₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Education / school fee charge
1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.
EMI conversion fee
Smart EMI processing fee upto ₹849 (exclusive of GST for all loan amounts), depending on the customer’s eligibility/offer details; EasyEMI processing fee: an EMI processing fee of upto ₹299 for customers availing EMI facility at merchant
Fee on online skill-based gaming spends
1% fee on Online Skill based gaming spends exceeding ₹10,000 in a calendar month, applied on the total Online skill-based gaming spends in a calendar month; fee capped at ₹4999 per month.
Wallet load charge
From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month
What the card's fee or benefit year means
On spending ₹10 lakh or more in the preceding 12 months, get a renewal fee waiver in the next year
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards), applied on the total transacted amount; fee capped at ₹4999 per transaction.
Rent transaction fee
1% fee on transaction amount, capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards), applied on the total utility spends in a calendar month; fee capped at ₹4999 per month.
GST note
GST applicable on all Fees, Interest, and other Charges
Grace days after the due date
3 grace days are allowed from the payment due date on credit card accounts, where payments are not overdue.
Minimum amount due
MAD = Total GST + EMI amount + 100% of fees/charges + overlimit amount (if any) + 5% of (finance charge + retail spends + cash advance) if that is higher than the finance charge, or, if it is less, 100% of finance charges + 5% of (retail spends + cash advance). If MAD works out to ₹200 or less, it is charged as ₹200
Cash advance fee
Not offered (excluded from standard 2.5% or ₹500 fee)
Late payment fee
Not offered
Over-limit fee
Not offered
Reward redemption fee
Not offered
Eligibility
HDFC Bank Infinia Metal Credit Card is offered to select customers by invitation only. The Bank will assess your eligibility and inform you personally if you qualify for the card
Age the primary cardholder must be
The bank's documents don't say.Checked 19 Oct 2026
Income requirement
The bank's documents don't say.Checked 19 Oct 2026
Documents required
The bank's documents don't say.Checked 19 Oct 2026
How the earn rate is rounded
Reward Points are earned on transaction amounts in multiples of ₹150; residual amounts or transactions below ₹150 will not earn Reward Points.
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
Spends that do not count toward the fee waiver
Excluded transactions: Cash on Call, Balance Transfer, Cash Withdrawal
What must be paid with the card for the cover to apply
Air Accident cover will be activated if the tickets are purchased using HDFC Bank Infinia credit cards.
What happens to unredeemed points if the card is closed
For closed cards: reward points can be redeemed only for 30 days from the date of card closure (unredeemed points lapse), only towards products/vouchers through a manual redemption form; cashback redemption is not allowed on closed cards
What applies: ₹3,500 for metal cards
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: ₹100
“The HDFC Bank INFINIA Metal Edition Credit Card imposes a reissue fee of ₹100 in case of a lost or damaged card.”
“Reissue of Lost, Stolen or Damaged Card: • ₹199 for non-metal cards; • ₹3,500 for metal cards.”
What applies: 1.75% from 15 May 2026
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: 2%
“The HDFC Bank INFINIA Metal Edition Credit Card applies a 2% markup fee on all foreign currency transactions”
“Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.”
On these lists
