HDFC Infinia Credit Card Metal Edition
HDFC · VISA★4.9/ 5
✓ Details last verified 1 Jan 2025
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HDFC Infinia is the benchmark Indian super-premium credit card. Unlimited Priority Pass lounge access, 3.3 reward points per ₹150 worth ₹1 each, golf rounds, and a dedicated concierge. The 2% forex markup makes it excellent for international spends. Invite-only for HDFC's top relationship customers.
At a glance
Rewards by category
What you earn on every rupee, per spend category.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Other | reward points | 2.50% | — |
Other: 5X points on all spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
LATE PAYMENT FEE
| Outstanding balance | Late fee |
|---|---|
| Up to ₹500 | Nil |
| ₹501 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| Above ₹50,001 | ₹1,300 |
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
Who is this card for?
- 👑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 lounge access globally
- ✓3.3 reward points per ₹150 redeemable at ₹1 per point (2.2% back)
- ✓2% forex markup — among the lowest for a super-premium card
- ✓Dedicated SmartBuy portal with 10X points for flights and hotels
- ✓Golf privileges at premium courses
- ✓Club Marriott and Times Prime complimentary memberships
👎 Cons
- ✕Invite-only — not available on open market application
- ✕Requires significant existing HDFC relationship
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.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
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
🔥 Live offers on this card
3 liveTransfer bonuses and promos running right now for this card's rewards.
5X value on SmartBuy flights & hotels
Book flights and hotels via SmartBuy to redeem points at up to ₹0.60/point — far better than statement credit.
Ends 2026-06-30 · view offer ↗
25% bonus transferring to Marriott Bonvoy
Move HDFC Reward Points to Marriott Bonvoy with a 25% bonus — strong value for free-night awards and 5th-night-free stays.
Ends 2026-07-15 · view offer ↗
30% bonus transferring to KrisFlyer
Transfer HDFC Reward Points to Singapore Airlines KrisFlyer and get 30% extra miles — your points stretch much further on premium-cabin redemptions.
Ends 2026-07-31 · view offer ↗
Frequently asked questions
What is the annual fee for the HDFC Infinia Credit Card Metal Edition?+
The annual fee is Rs 12500.
What is the foreign currency markup?+
The forex markup is 2.00% on international transactions.
Is there a fuel surcharge waiver?+
Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.
What is the minimum age and income to apply?+
Applicants must be at least 21 years old with a minimum income of Rs 300000 per month.
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 for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →
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Guides and reviews related to this card.
Terms & reward changes
Tracked updates to this card's fees, rewards and benefits — newest first.
- ➖ Benefit removedEffective 1 Jun 2025
HDFC Infinia has discontinued the complimentary Club Marriott membership benefit. Existing memberships remain valid until expiry.
Complimentary Club Marriott membership (50% off F&B + rooms)→Club Marriott membership discontinued
- 💳 Fee changeEffective 1 Apr 2025
HDFC Infinia annual membership fee increased by ₹2,500. Existing cardholders on the ₹10,000 fee slab will migrate on their next renewal date.
₹10,000 + GST annual fee→₹12,500 + GST annual fee
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