HDFC Bank
Infinite · Infinia Metal Edition
HDFC Infinia Metal Edition Credit Card
HDFC Bank
India's most exclusive metal credit card with unlimited lounge access
Annual Fee
₹12,500
Joining Fee
₹12,500
Reward Rate
3.3%
Forex Markup
2%
Value Analysis
Annual Net Value
₹1,85,250
Total Annual Benefits
₹2,00,000
Total Annual Charges
₹14,750
ROI
1256%
Fee Waiver Available
Annual fee waived on spending ₹18 Lakh in the preceding year — ₹18,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits for primary and add-on cardholders
Unlimited
₹1,30,000/yr
Unlimited International Lounge Access
Unlimited international airport lounge access via Priority Pass
- • Priority Pass membership included
Unlimited
₹1,82,000/yr
Golf Privileges (1)
Unlimited Complimentary Golf
Unlimited complimentary golf games at select courses across India
- • At select golf courses
Unlimited rounds
₹2,60,000/yr
Travel Benefits (1)
ITC Hotel Benefits
3 nights pay for 2 at participating ITC Hotels + 1+1 complimentary buffet
- • At participating ITC Hotels
3 nights pay for 2
₹15,000/yr
Reward Points (1)
5 Reward Points per ₹150 on All Spends
Including insurance, utilities, and education — no exclusions
- • Up to 10X on SmartBuy (max 15,000 RP/month)
5 RP per ₹150
Concierge Services (1)
24/7 Global Concierge
Personal concierge for travel, dining, entertainment, and lifestyle assistance
Included
Dining Benefits (1)
Swiggy Dineout 15% Off
15% discount on dining via Swiggy Dineout
15% off
Reward Program
Program
HDFC Reward Points
5 RP per ₹150
Effective cashback: 3.33%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via SmartBuy (1 RP = ₹1)
- → Apple/Tanishq via SmartBuy (1 RP = ₹1)
- → Air Miles — 1:1 transfer (SpiceClub, AirAsia, Flying Blue, IHG, etc.)
- → Products & Vouchers (1 RP = ₹0.50)
- → Cashback (1 RP = ₹0.30)
Bonus Categories
SmartBuy
10x multiplier
Up to 10X on SmartBuy platform
Milestone Bonuses
Annual fee waiver on spending ₹18 Lakh annually (revised from ₹10L effective FY2026-27)
Spend ₹18,00,000 annually
Annual fee waiver + membership renewals
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹12,500 Excluding GST |
| Annual Fee | ₹12,500 Excluding GST |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 1.99%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹1,00,000. Max waiver: ₹1,000/cycle.
Eligibility
Requirements
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Invite-only card
- • High-income individuals with excellent credit history
- • Long HDFC banking relationship preferred
Invitation only
Insurance Coverage
Accidental Death
₹3.0 Cr
Permanent Disability
₹3.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹9.0 L
Report within 24h
Air Accident Cover
₹3.0 Cr
- • Air accident cover: ₹3 Crore
- • Emergency hospitalization: ₹50 Lakh
- • Credit liability cover: ₹9 Lakh
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
-1 visits/year
Unlimited via Priority Pass
~₹3,500/visit
Priority Pass Dreamfolks
- • Unlimited for primary + add-on cardholders
Transaction Limits
ATM Withdrawal / Day
₹1,00,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹5,000
Features
Metal card construction Contactless payments Global acceptance SmartBuy 10X rewards platform Air miles transfer program ITC Hotel partnership Club Marriott membership Complimentary add-on cards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The HDFC Infinia Metal Edition is an invite-only super-premium credit card offering unlimited domestic and international lounge access, 5 Reward Point...
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