Visa, Mastercard ★ Metal Edition 📡 Contactless NFC

HDFC Bank Infinia Credit Card Metal Edition

Joining Fee₹12,500

Annual Fee₹12,500

Forex Markup 2%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

High-net-worth individuals and luxury travelers seeking India's benchmark 33.3% travel rewards, 1:1 airline mile transfers, unlimited global lounge visits with guest passes, and low 2.0% forex markup.

Who Should Avoid

Low spenders who cannot reach the ₹10 Lakh annual spend fee waiver or individuals unable to qualify for invite-only criteria.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

12,500 Reward Points (worth ₹12,500 for travel) upon payment of joining fee and realization + complimentary Club Marriott membership

Up to 10X Rewards on SmartBuy (33.3% Return)

5 Reward Points per ₹150 (3.33% return) on regular retail and up to 10X points (33.3% return) on flights, hotels, and Apple products via SmartBuy.

Unlimited Global Lounge Access with Guests

Unlimited complimentary domestic and international airport lounge access for primary and add-on cardholders with Priority Pass guest visits.

12,500 Welcome Reward Points

12,500 Reward Points upon payment of joining and renewal fees + complimentary Club Marriott membership.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹1

Standard Base Earning

5 Reward Points per ₹150 spent on all regular retail purchases (3.33% return; 1 RP = ₹1.00 for SmartBuy travel)

Accelerated / Partner Rate

Up to 10X Reward Points (33.3% return) on SmartBuy travel bookings, Apple products, and partner vouchers (capped at 15,000 bonus points/month); 2X points on dining spends

Points Validity:36 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: SmartBuy Flights & Hotel Bookings (1 RP = ₹1.00, up to 70% of booking value), 1:1 Frequent Flyer Air Mile Transfers (Air India, KrisFlyer, InterMiles, British Airways), Apple Products & Tanishq Vouchers via SmartBuy (1 RP = ₹1.00), Direct Statement Cash Credit (1 RP = ₹0.30)

🚫 No Reward Points / Cashback on:

Fuel Rent Payments Wallet Loads Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge VisitsUnlimited complimentary domestic airport lounge access for primary and add-on cardholders

🌐

International Lounge VisitsUnlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders + complimentary guest visits

⚠️

Spend Criteria: None (Unconditional VIP global access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹1,000,000/yr

Annual renewal fee of ₹12,500 + GST is waived off on spending ₹10,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard metal edition

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹10,000 (Capped at ₹1000/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹500,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):1.99% per month (23.88% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the HDFC Bank Infinia Credit Card Metal Edition

Annual Fee: ₹12,500/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

Don’t guess your cashback. Tell CardGuru your monthly grocery, UPI, and online shopping spends to calculate your exact net rupee returns in 10 seconds.

⚡ Instant Net Yield Math•🛋️ Lounge Fee Gate Check•🆓 100% Free & Impartial

Ask CardGuru Now→Takes less than 15 seconds

Best Credit Cards for 750 CIBIL Score LTF Cards for Salary Under ₹500,000 All HDFC Bank Credit Cards Lounge Access Credit Cards Best Visa Credit Cards Best Mastercard Credit Cards

Frequently Asked Questions

No, HDFC Bank Infinia Credit Card Metal Edition has a joining fee of ₹12500 and an annual renewal fee of ₹12500 (plus applicable taxes).

HDFC Bank Infinia Credit Card Metal Edition ₹12,500/yr