Joining Fee: ₹12500* Plus Applicable Taxes
Renewal Fee: ₹12500*Plus Applicable Taxes
Joining Fee: ₹12500* + Tax
Renewal Fee: ₹12500* + Tax
Enjoy unlimited lounge access in India and overseas.
Save on your stays at ITC and Marriott hotels.
Get 3.33% value-back on all your spends.
Author: MybankingTips Team
Welcome benefits:- Get 12,500 Reward Points (worth ₹12,500) as a welcome bonus on fee payment, plus complimentary Club Marriott membership.
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The HDFC Infinia Metal Credit Card is HDFC Bank's flagship super-premium offering, available exclusively by invitation to select high-net-worth individuals. As one of India's most aspirational cards, Infinia delivers an unmatched combination of high reward rates, unlimited airport lounge access across 1,000+ global airports, complimentary golf privileges, luxury hotel benefits, and comprehensive insurance coverage — all wrapped in a premium metal card body.
Launched as the pinnacle of HDFC Bank's credit card portfolio, the Infinia Metal Credit Card has maintained its reputation as a benchmark product in India's premium credit card segment for over a decade. Unlike standard application-based cards, Infinia is offered strictly by invitation — meaning the bank evaluates your credit profile, banking relationship, and spending patterns before extending an offer.
The card delivers an industry-leading 3.33% value-back on all retail spending through its 5 Reward Points per ₹150 structure. On the HDFC SmartBuy portal, that multiplies up to 10X Reward Points, making it one of India's most rewarding travel and shopping cards. Each reward point can be redeemed at ₹1 per point for flights, hotels, Apple products, and Tanishq vouchers via SmartBuy.
Who is this card for? The HDFC Infinia Metal is designed for frequent international travellers, high-net-worth professionals, business owners, and those who spend ₹10 lakh+ annually on their credit card. If luxury, uncapped privileges, and elite travel perks define your lifestyle, Infinia is the card you aspire to hold.
The HDFC Infinia Credit Card's reward programme is one of the richest in India's credit card market — earning high points across all categories, with no conditions on most spend types:
Per ₹150 Retail Spend
Covers shopping, dining, insurance, utilities & education. No category exclusions.
On SmartBuy Portal
Earn up to 50 RP per ₹150 on travel & shopping through HDFC SmartBuy.
Flight & Hotel Redemption
1 Reward Point = ₹1 for flight/hotel bookings, Apple products & Tanishq vouchers via SmartBuy.
Maximum redemption per cycle: 2 lakh Reward Points total; 1.5 lakh RP/month for travel & air miles; 50,000 RP/month for cashback. Grocery, utility & telecom rewards each capped at 2,000 RP/month.
Unlimited complimentary access to domestic airport lounges across India for both primary and add-on cardholders. Simply swipe your Infinia card at the lounge counter (₹2 token charge for Visa users).
Priority Pass membership for primary and add-on holders with access to 1,000+ international airport lounges worldwide. Guest visits billed at $27 + GST per person.
Accidental air death cover of up to ₹3 crore for the primary cardholder. Emergency overseas hospitalisation covered up to ₹50 lakh during international travel.
One of the lowest foreign currency markup fees in India at just 2% (+ GST) on all international transactions — ideal for frequent international travellers.
Play unlimited rounds of golf at leading golf courses across India and select international destinations — completely free of green fees. 100% green fee waiver at select global courses.
Complimentary unlimited golf coaching sessions at select premium golf courses within India. 24×7 Golf Concierge at 1800 118 887 for all booking and cancellation assistance.
Book a 3-night stay at participating ITC Hotels and pay for only 2 nights. Plus enjoy 1+1 complimentary weekend buffet at participating ITC Hotels. Exceptional value for luxury staycations.
Complimentary Club Marriott membership for the first year. Enjoy up to 20% off dining (groups up to 10), up to 20% off Best Available Rates at Marriott India, and weekend rates across Asia-Pacific.
Flat 15% discount at 35,000+ restaurants across India via Swiggy Dineout. Extra 10% off (up to ₹1,000) twice per month on bills of ₹8,000+ via Swiggy Dineout with HDFC Infinia Metal.
Personal Global Concierge available around the clock for travel bookings, restaurant reservations, event tickets, gift arrangements, airport VIP meet-and-greet services, and more.
Enabled for contactless payments. Manage your card seamlessly via HDFC's MyCards mobile platform — activate, block, set limits, and view statements without passwords or downloads.
1% fuel surcharge waiver at all petrol stations across India on transactions between ₹400 and ₹1,00,000. Maximum waiver of ₹1,000 per statement cycle.
Withdraw up to 40% of your credit limit as cash using your Infinia card — with zero cash withdrawal charges. Interest applies from the date of withdrawal.
Report a lost or stolen card immediately to HDFC's 24-hour helpline and you face zero liability for any fraudulent transactions made on your card thereafter.
Pro Tip: The 12,500 welcome Reward Points alone are worth ₹12,500 if redeemed for flights or hotels via SmartBuy — effectively making the first year free at the right redemption value. Spend ₹10 lakh to also waive next year's renewal fee.
Connect with your HDFC Relationship Manager or speak to our credit card experts to understand your eligibility and receive an invitation for India's most premium card.
Fee Waiver: Spend ₹10 lakh or more in the 12 months before your renewal date and the ₹12,500 annual fee is entirely waived for the next year. For the add-on card, the threshold is ₹8 lakh annually.
The HDFC Infinia Credit Card is not available through a standard application. It is extended exclusively by invitation, typically to existing HDFC Bank customers who meet the bank's internal profiling criteria:
No direct application. HDFC evaluates your profile and sends an official invitation to eligible customers.
A CIBIL score of 750+ is typically required. Long credit history with HDFC Bank significantly improves chances.
High-value savings accounts, fixed deposits, or existing HDFC premium cards (Regalia/Diners Black) improve eligibility.
While no minimum income is publicly stated, Infinia is targeted at HNIs and high-spending professionals. Existing card spends of ₹10L+ p.a. help.
Available to salaried individuals and self-employed / business owners who meet the bank's internal benchmarks.
Available to Indian residents as well as NRI customers who maintain a strong HDFC banking relationship.
Can't wait for an invite? Speak directly to your HDFC Relationship Manager and express your interest in upgrading to Infinia. Long-standing customers using HDFC Diners Club Black or Regalia Gold frequently receive upgrades when they request one.
Since Infinia is invite-only, here's the most effective path to landing this card:
Maintain a high-value savings account or FD with HDFC Bank. Use an existing HDFC credit card (Regalia Gold or Diners Club Black) with consistent high spending — ₹10L+ per year is ideal.
Keep your CIBIL score above 750 consistently. Pay all bills in full and on time. Avoid multiple credit applications in quick succession.
Contact your HDFC Relationship Manager directly and express your interest in upgrading to Infinia. They can check your eligibility internally and fast-track the process.
Once invited, complete the application with required KYC documents. Submit the form with income proof, identity documents, and address proof for verification.
Your HDFC Infinia Metal Card is dispatched with a Priority Pass membership card for primary + add-on holders, plus 12,500 welcome Reward Points on activation.
* Comparison based on publicly available data as of 2025. Benefits may vary. Always verify latest T&Cs with the respective issuer.
The HDFC Infinia Credit Card is available strictly by invitation only. You cannot apply for it directly online. To improve your chances, maintain a strong HDFC banking relationship, keep a CIBIL score of 750+, use an existing HDFC premium card with ₹10L+ annual spend, and request an upgrade through your Relationship Manager.
Both the joining fee and annual renewal fee are ₹12,500 + GST. However, if you spend ₹10 lakh or more in the preceding 12 months before your renewal date, the annual renewal fee is completely waived — making it effectively free for high spenders.
The HDFC Infinia earns 5 Reward Points per ₹150 spent on retail transactions (3.33% value-back when redeemed at ₹1 per point). On HDFC SmartBuy, you earn up to 10X Reward Points for travel and shopping — effectively up to 33.3% value-back in the best-case SmartBuy scenario.
Yes. HDFC Infinia offers unlimited complimentary domestic airport lounge access across India for both primary and add-on cardholders. For international travel, the Priority Pass membership provides unlimited access to 1,000+ global lounges for primary and add-on cardholders. Note: guest visits are charged at $27 + GST per guest.
Redeem your Reward Points through HDFC's SmartBuy portal (flights, hotels, Apple products, Tanishq vouchers at ₹1/RP) or via HDFC NetBanking (Air Miles conversion at 1 RP = 1 Air Mile, products/vouchers at ₹0.50/RP, or cashback at ₹0.30/RP). Maximum 2 lakh RP can be redeemed per statement cycle.
The HDFC Infinia Credit Card comes with no pre-set spending limit — meaning the limit is dynamic and based on your spending behaviour, repayment history, and financial profile. You can also withdraw up to 40% of your credit limit as cash without any cash withdrawal charges.
Both cards offer the same 3.33% value-back reward rate. However, Infinia has an edge with 1:1 redemption for Tanishq vouchers and Apple products (not available on Diners Club Black), Club Marriott membership, and a wider lounge network via Priority Pass. Diners Club Black has a slightly lower annual fee of ₹10,000. For international spenders who maximise SmartBuy redemptions, Infinia generally delivers superior overall value.
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