HDFC Infinia Credit Card Metal Edition
HDFC · VISA★ 4.9/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹12,500 in vouchers, points or cashback on card activation
2.50% on Other
5X CashPoints on SmartBuy (was 10X before Jan 16, 2026); 2X on all other spends
Airport Lounge Access
Unlimited domestic and international lounge access
Golf Privileges
24 complimentary golf games per year at partner courses
24x7 Concierge
24x7 lifestyle and travel concierge service
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
24 rounds
Golf rounds/year
₹12,000
Golf perk value
- 24x7 lifestyle and travel concierge
- 24 complimentary golf rounds/year at partner courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
✓
International lounges
₹30,000
Estimated annual value
2%
Forex markup
- Domestic + international airport lounge access (worth ~₹30,000/yr)
- Low forex markup: 2.0%
HDFC Infinia is invitation-only for HDFC's top relationship customers. Sanjay, a senior executive with an HDFC salary account, uses SmartBuy to book business flights: 10X points = ₹1 per ₹15 spent. His ₹5L/month spend earns ~₹40,000 in points annually. Unlimited Priority Pass covers his weekly lounge visits globally. The 2% forex markup on ₹20L/year international spend saves ₹34,000 vs the 3.75% charged by most cards.
Who is this for?
Infinia is for HDFC's top-tier relationship customers — typically those with ₹30L+ invested in HDFC products or a salary account with significant AUM. If you can get invited, the 10X SmartBuy earn rate on flights and hotels is the highest points density on any Indian card.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.30 (up to ₹1.00 via best route). How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 2.50% | — |
Other: 5X CashPoints on SmartBuy (was 10X before Jan 16, 2026); 2X on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
Unlimited domestic and international lounge access
24 complimentary golf games per year at partner courses
24x7 lifestyle and travel concierge service
Should you get it?
- Best for: HDFC priority banking customer, Weekly or bi-weekly domestic flyer, Spends ₹30,000+/month on HDFC SmartBuy travel, International traveller with ₹15L+/year overseas spend
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on Other (2.50% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Unlimited Priority Pass — never wait in airport queues regardless of how many times you fly
- 3.3 reward points per ₹150 worth ₹1 each — effective 2.2% return on all spend
- 10X points on HDFC SmartBuy for flights, hotels, and Apple products — effective 22% return on SmartBuy
- 2% forex markup on ₹20L international spend saves ₹34,000/year vs standard 3.75% cards
Cons
- Invitation only — requires significant HDFC relationship (₹30L+ AUM or senior corporate account)
- Best value comes from SmartBuy — users who do not book travel through HDFC SmartBuy miss the headline multiplier
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁HDFC SmartBuy: Best value: 5X multiplier on flights/hotels on SmartBuy portal. Fly or book hotels via SmartBuy for maximum reward density. (₹1.00/CashPoint)
- 🎁Statement Credit: Redeem CashPoints directly against your statement balance — no portal needed. (₹1.00/CashPoint)
- 🎁Partner Catalogue: Redeem for vouchers and merchandise via HDFC SmartBuy catalogue. (₹0.50–₹1.00/CashPoint)
What your hdfc reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard catalogue & cashback
Up to ₹0.50/pt on travel via SmartBuy
Premium cards (Infinia/Diners Black) — best value
✈ TRANSFER PARTNERS
The concern
Invitation-only access aside, SmartBuy 10X caps and periodic devaluations mean the headline 33% is a ceiling few consistently touch.
Bottomline
CardAdvisor Rating: 4.9 / 5Infinia is still the endgame card of Indian credit cards: 3.3% base return, 33% via SmartBuy at full tilt, unlimited lounge, 2% forex. The only real question is whether HDFC will invite you. If they do, say yes.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Infinia Credit Card Metal Edition are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Similar & related cards
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