For more than 10 years, HDFC Infinia has been one of India’s best super-premium credit cards. It gives a reward rate of 3.33%, which can go up to 33% on SmartBuy purchases. This makes it better than many other high-fee premium cards like Axis Reserve and IDFC FIRST Private.
One of its biggest advantages is 1:1 redemption value on travel bookings through SmartBuy and Air Mile conversions. The card also offers great travel benefits like unlimited lounge access (domestic and international), low forex mark-up fee, and special offers with ITC and Marriott hotels.
While other premium cards also provide travel benefits, Infinia stands out because of the overall value from its rewards program. That’s why it can be a smarter choice.
The Infinia Credit Card Metal Edition offers many benefits that let you enjoy a premium lifestyle.
HDFC Infinia Metal Edition Credit Card Rewards Program
Reward Earning
5 Reward Points (RP) per ₹150 spent on all retail categories (including insurance, utilities & education).
Up to 10X Rewards on travel & shopping via HDFC SmartBuy (max. 15,000 points/month).
12,500 Bonus Reward Points on joining & renewal (fee payment).
Reward Redemption
1 RP = ₹1
Flight & hotel bookings via SmartBuy
Apple products & Tanishq vouchers via SmartBuy
1 RP = 1 Air Mile (conversion through net banking).
1 RP = ₹0.50 for vouchers & product purchase on SmartBuy.
1 RP = ₹0.30 on cashback conversion.
(Exclusions & capping apply – check details on HDFC site)
Transfer Partners (via Rewards360)
1 RP = 1 Partner Point
SpiceClub (SpiceJet)
AirAsia
Finnair Plus (Avios)
Flying Blue
Hainan Airlines Fortune Wings Club
IHG One Rewards
Vietnam Airlines LotusMiles
Wyndham Rewards
1 RP = 0.5 Partner Point
Club ITC Green Points
Aeroplan (Air Canada)
ALL – Accor Live Limitless
Avianca LiveMiles
British Airways Executive Club
Etihad Guest
Turkish Airlines Miles&Smiles
United MileagePlus
Other Features and Benefits
Complimentary Lounge Access
Unlimited domestic lounge access – for both primary & add-on cardholders.
Unlimited international lounge access – via Priority Pass (primary & add-on).
Add-on cardholders also get their own Priority Pass membership card.
Hotel & Dining Benefits
ITC Hotels
Stay 3 nights, Pay for 2 at participating ITC Hotels.
1+1 complimentary buffet at select ITC properties.
Club Marriott Membership (Welcome Benefit – 1st Year Free)
Up to 20% off on dining (max 10 guests), stays, and spa services at participating Marriott hotels across Asia Pacific.
2 one-time upgrade certificates for higher category rooms.
Up to 30% off on best available room rates.
Other Dining Benefits
Flat 15% discount on dining via Swiggy Dineout at participating restaurants.
Forex & Travel Benefits
Low forex mark-up fee of 2% on international transactions.
Unlimited complimentary golf games at select golf courses in India & abroad.
Global Concierge Service for:
Travel bookings & VIP services
Golf & fine dining reservations
International gift deliveries, etc.
Fuel Benefits
1% fuel surcharge waiver on transactions ₹400 – ₹1,00,000.
Max benefit: ₹1,000/month.
Insurance & Protection
Air accident death cover: ₹3 Crore.
Emergency overseas hospitalization: ₹50 Lakhs.
Credit shield cover: ₹9 Lakhs.
Other Benefits
Annual Fee Waiver – Spend ₹10 Lakhs in the preceding year.
Premium lifestyle protection via zero liability on lost/stolen cards.
Fees and Charges
Particulars
Amount
Joining Fee
Rs. 12,500 + Taxes
Annual Fee
Rs. 12,500 + Taxes
Finance Charges
1.99% p.m. (23.88% p.a.)
Cash Withdrawal Fee
2.5% of amount withdrawn or Rs. 500 whichever is higher
Rewards Redemption Fee
Nil
Late Payment Charges
For Statement Balance:
Up to Rs. 100:
Nil
Rs. 101 to Rs. 500:
Rs. 100
Rs. 501 to Rs. 1,000:
Rs. 500
Rs. 1,001 to Rs. 5,000:
Rs. 600
Rs. 5,001 to Rs. 10,000:
Rs. 750
Rs. 10,001 to Rs. 25,000:
Rs. 900
Rs. 25,001 to Rs. 50,000:
Rs. 1,100
More than Rs. 50,000:
Rs. 1,300
Things to Know Before you apply
Get this card if:
High-income individuals (HNIs, CXOs, Business Owners)
Frequent international travelers
People who spend ₹5–10L+ annually on travel, lifestyle, and shopping
Users who can fully utilize lounge, SmartBuy, and golf privileges
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For HDFC Infinia Metal Edition Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
HDFC Infinia Metal Edition Credit Card Hilights
What do we like about this card?
Unlimited access to 1,000+ airport lounges (via Priority Pass and DreamFolks)
10X rewards on SmartBuy (flights, hotels, shopping, and more)
ComplimentaryClub Marriott membership
Low forex markup of 2%
Golf games at top courses in India and abroad
24x7 concierge service and emergency card replacement globally
Metal card design with premium packaging
Pros
3.33% value-back across all spending categories, including insurance, utilities, and education
Unlimited domestic & international lounge access for both primary and add-on users
Unlimited complimentary golf games at select golf courses in India and abroad
Exclusive stay and dining benefits at participating ITC hotels
Flat 15% discount on dining via Swiggy Dineout
Cons
Invite-only, not available for most users
High annual fee (₹12,500) if spend threshold not met
Requires high credit score and financial profile
No cashback facility (only reward points)
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712
Frequently Asked Questions
Everything you need to know about this credit card
The joining and annual fee is ₹12,500 + GST. The annual fee is waived if you spend ₹10 lakh or more in a year.
Yes. HDFC Infinia is strictly invite-only. You cannot apply directly unless selected by the bank.
HDFC does not publicly disclose salary requirements for Infinia, since it is invite-only. Generally, the card is offered to high-income individuals with an excellent credit score and a strong relationship with HDFC Bank.
The HDFC Infinia Credit Card is a premium lifestyle credit card packed with luxury benefits. The Infinia Metal Edition is a variant with a premium metal finish and some additional perks, but both share most core features.
You can check via:
HDFC Bank Customer Care helpline
Online tracking using your application reference number
There is no fixed limit. The bank decides based on your income, repayment history, and credit profile. Your credit limit is mentioned in the welcome kit after card issuance.
1:1 redemption for air miles, flights/hotels, Apple & Tanishq via SmartBuy
Product vouchers at ₹0.50/point
Cashback at ₹0.30/point
With your Infinia kit, you receive a Priority Pass Card for the primary and add-on holder. Present it with your Infinia card to enjoy complimentary lounge access.
Yes, Infinia offers:
Higher reward rate (3.33% vs. 2%)
Unlimited lounge access (vs. capped for Regalia)
Marriott & ITC hotel benefits
Unlimited golf games
However, it comes with a much higher annual fee and stricter eligibility.
Both are super-premium cards with a 3.33% reward rate, unlimited lounge access, and lifestyle perks.
Housing Development Finance Corporation
Airport Lounge Access
Reward Points
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