HDFC Bank Infinia Metal Credit Card
HDFC · VISA★ 4.7/ 5
✓ Details last verified 1 Jan 2026
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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
3.33% on Travel
5 RP/₹150 — up to ₹1/point via SmartBuy on travel
3.33% on Dining
5 reward points per ₹150 on dining
Airport Lounge Access
Unlimited Priority Pass — no visit cap on domestic or international lounges
Annual Fee Waiver
Fee of ₹12,500/yr fully waived when you spend ₹10,00,000/year
Golf Privileges
Complimentary golf rounds at premium courses in India and globally
24x7 Concierge
24/7 personal concierge for travel, dining, and lifestyle
Insurance Cover
Air accident cover up to ₹3 crore + travel and purchase protection
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹6,000
Golf perk value
- 24x7 lifestyle and travel concierge
- Complimentary golf access at premium courses
- Travel insurance and accident cover
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
Priority Pass
International lounges
₹20,000
Estimated annual value
2%
Forex markup
3.3%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic + international airport lounge access (worth ~₹20,000/yr)
- Miles on: SmartBuy flights & hotels
- 3.3% effective return on travel bookings
- Low forex markup: 2.0%
- Travel insurance cover included
HDFC Infinia Metal is HDFC's flagship metal card — the 2023 upgrade to the original plastic Infinia. 5 reward points per ₹150 on all spends (up to ₹1/point via SmartBuy = 3.33% on travel), 10× accelerated on SmartBuy platform, unlimited Priority Pass, golf, and 24/7 concierge. The ₹12,500 annual fee is waived at ₹10L spend, which the card's target audience clears with a typical month.
Who is this for?
HNI and senior professionals who spend ₹8L+ per year and want HDFC's best possible rewards rate, unlimited lounge access, and the prestige of a metal card. The SmartBuy 10× feature means ₹1 spent on travel via SmartBuy returns ₹0.33 — among the best travel return rates in India.
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 |
|---|---|---|---|
| Travel | reward points | 3.33% | — |
| Dining | reward points | 3.33% | — |
| Online Shopping | reward points | 3.33% | — |
| Other | reward points | 3.33% | — |
Travel: 5 RP/₹150 — up to ₹1/point via SmartBuy on travel · SmartBuy flights & hotels
Dining: 5 reward points per ₹150 on dining
Online Shopping: 5 reward points per ₹150 on online shopping
Other: 5 reward points per ₹150 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 Priority Pass — no visit cap on domestic or international lounges
Complimentary golf rounds at premium courses in India and globally
24/7 personal concierge for travel, dining, and lifestyle
Air accident cover up to ₹3 crore + travel and purchase protection
Should you get it?
- Best for: High spenders booking ₹2L+ in annual travel via SmartBuy, HDFC Preferred/Imperia banking customers looking for HDFC's flagship card, Those who want unlimited Priority Pass without a per-visit cap
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on Travel (3.33% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- 10× SmartBuy acceleration — highest travel return rate in HDFC lineup
- Unlimited Priority Pass — no visit cap, domestic and international
- 5 RP/₹150 = 3.33% on flights via SmartBuy
- Annual fee waived at ₹10L spend — effortless for the target segment
- Metal card with weight and prestige befitting a ₹12,500 product
Cons
- 10× applies only on SmartBuy platform, not all travel booking channels
- ₹12,500 annual fee requires ₹10L spend to waive
- Hard to get — HDFC prioritises existing premium account holders
Eligibility & documents
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
The 10× SmartBuy multiplier is only on the SmartBuy platform — flights and hotels booked elsewhere earn at the base rate. And Infinia is hard to get: HDFC is selective, preferring existing high-spend customers or priority banking clients.
Bottomline
CardAdvisor Rating: 4.7 / 5Infinia Metal is the best all-rounder in HDFC's lineup for high spenders who use SmartBuy for travel. The 10× feature alone can justify the ₹12,500 fee in a single international booking. If you are spending ₹8L+ with HDFC, there is no reason to hold any other HDFC card.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the HDFC Bank Infinia Metal Credit Card are taken from HDFC's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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