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HDFC BankInfinia Metal Edition
Visa / Mastercard

HDFC Bank · Visa / Mastercard

Infinia Metal Edition

Joining ₹12,500 · Annual ₹12,500 · Spend ₹10,00,000 in the preceding 12 months to get the next renewal fee waived. Separately, from 1 Apr 2026 HDFC also requires ₹18,00,000 annual card spend (primary + add-on) OR ₹50,00,000 relationship value just to KEEP the card. A retention test, not a fee waiver (see perks.other).

Fee break-even: ≈₹3,75,375/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward Points · assumed 1 ₹/point. Priced at 1 RP = ₹1, the SmartBuy flights/hotels rate (also the Apple and Tanishq rate). Infinia/Infinia Metal are exempt from the ₹99 reward-redemption fee and the ₹50 cashback-redemption fee, so ₹1/RP is net. Constraints that make this the realistic-but-not-guaranteed route: at most 70% of a flight/hotel booking (and of an Apple product or Tanishq voucher) can be paid in RP, the rest goes on the card. Flight+hotel+airmile-transfer redemptions are capped at 1,50,000 RP per calendar month. Apple redemptions are capped at 1 product per calendar quarter and Tanishq at 50,000 RP per calendar quarter. If you cannot use travel/Apple/Tanishq, the realistic value falls to ~₹0.50 per RP on the products-and-voucher catalogue or ₹0.30 per RP as statement cashback (capped 50,000 RP/calendar month). I.e. An effective 1.67% or 1.0% instead of 3.33%. Airmile transfers are 1 RP = 1 mile for most partners but 2 RP = 1 mile for Turkish Miles&Smiles, Accor and Avianca LifeMiles. RP expire 3 years after accrual and are nullified entirely if the card is unused for 365 days.

Verified 10 Aug 2026
Forex markup2%
GolfUnlimited complimentary golf games at leading courses in India and abroad, plus unlimited complimentary coaching sessions at select Indian courses. HDFC publishes no numeric annual cap, so no number is recorded here. The marketing figure quoted is access at 120+ courses. Availability is via the concierge/booking partner and subject to course participation.
Concierge24x7 dedicated global concierge for Infinia / Infinia Metal cardholders (separate service line from the general HDFC card call centre), covering travel, dining, hotel and event bookings.
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · A converted purchase stops earning rewards · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · EasyEMI transactions earn nothing, and converting a retail spend to SmartEMI reverses the points already credited
Fuel surcharge1% surcharge waiver on fuel transactions of ₹400 or more, capped at ₹1,000 per statement cycle (per HDFC's Aug 2026 MITC, which states no upper transaction limit for Infinia Metal unlike the ₹5,000 ceiling on lower cards). GST on the surcharge is not reversed, and fuel earns zero reward points.
Domestic loungeUnlimited, for primary and add-on cardholders. Access is by swiping the card at the lounge terminal (a ₹2 validation debit is raised and reversed). Confirmed still unconditional in the Aug 2026 MITC: Infinia and Infinia Metal were left out of HDFC's 2026 purge that put quarterly spend gates on Regalia Gold, Regalia, Business Regalia, BizPower and Diners Privilege lounge access.
International loungeUnlimited. Complimentary Priority Pass membership for primary AND add-on cardholders with unlimited visits for the Priority Pass holder (1,000+ lounges). Guests are not free. Each accompanying person is charged US$27 + taxes per visit. Priority Pass can be withdrawn if the card is closed or stays inactive for more than 90 days.

Return by category

CategoryReturnNotes
Online spend3.33%Base rate
Amazon3.33%Base rate
Flipkart3.33%Base rate
Subscriptions & OTT3.33%Base rate
Offline spend3.33%Base rate
UPI spending0%Infinia Metal Edition is issued on Visa Infinite / Mastercard World, and only RuPay credit cards can be linked to UPI. HDFC does offer a RuPay sibling. 'Infinia Bharat'. But it is a separate, cheaper product (reportedly ₹8,000 + GST, ~2 RP per ₹150 on UPI, 1 RP ≈ ₹0.75 on SmartBuy), not a companion card that shares this card's limit, so Infinia Metal itself cannot transact on UPI.
Dining3.33%Base rate
Swiggy3.33%Base rate
Zomato3.33%Base rate
Groceries3.33%2,000 RP per calendar month (≈₹60,000 of grocery spend). Nil beyond that · Same earn rate as base but hard-capped. Quick-commerce coded as grocery inherits this cap.
Quick commerce3.33%Uses its groceries rate
Swiggy Instamart3.33%Base rate
Blinkit3.33%Base rate
BigBasket3.33%Uses its groceries rate
Movies & shows3.33%Base rate
BookMyShow3.33%Base rate
PVR INOX3.33%Base rate
Fuel0%No reward points on fuel at all. Plus 1% fee on any fuel transaction above ₹15,000
Travel (general)3.33%Base rate
Flights16.67%Shares the same 15,000 accelerated-RP per calendar month SmartBuy cap. About ₹1,12,500 of flight spend per month at 5X · 5X (25 RP per ₹150) only via the HDFC SmartBuy portal. Airline websites and other OTAs earn the 3.33% base. Because hotels and flights draw on one shared monthly cap, you cannot max both.
Hotels33.33%Shares the 15,000 accelerated-RP per calendar month SmartBuy cap. About ₹50,000 of hotel spend per month at 10X. Spend beyond that reverts to the 3.33% base · 10X (50 RP per ₹150) only when the hotel is booked through the HDFC SmartBuy portal (MakeMyTrip/Cleartrip rails). Hotels booked directly with the hotel or on any other OTA earn the 3.33% base.
MakeMyTrip3.33%Base rate
IRCTC rail3.33%Base rate
International1.33%3.33% reward − 2% forex markup
Utilities & bills3.33%2,000 RP per calendar month (≈₹60,000 of utility spend). Nil beyond that. Telecom carries its own separate 2,000 RP per calendar month cap · Base rate but capped. Note that HDFC also charges 1% (capped ₹4,999/month) once utility spend crosses ₹50,000 in a calendar month, so heavy utility use is net-negative.
Rent0%No reward points on rent or property-management spends. Plus a 1% fee on every rent transaction
Education fees3.33%Base rate
Insurance premiums3.33%10,000 RP per calendar month (≈₹3,00,000 of premium). Nil beyond that · Insurance premiums are explicitly NOT subject to HDFC's 1% category fees.
Government & tax0%No reward points on government/tax payments
Wallet loads0%E-wallet loading earns no points and any points credited are reversed. Plus 1% fee on wallet loads above ₹10,000/calendar month (PayZapp exempt)
Anything else3.33%Base rate
Jewellery3.33%Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

  • Realistic eligibility: strictly invite-only. HDFC does not publish criteria and will not accept a direct application. In practice invites go to customers with roughly ₹4-5 lakh monthly income (or an equivalent ITR) and/or a large existing HDFC relationship such as Imperia/Private Banking. Treat it as unavailable unless HDFC approaches you.
  • RETENTION RULE (effective 1 Apr 2026, in the official MITC): continued access to the Infinia programme requires, per financial year (1 Apr, 31 Mar), either Infinia card spend of ₹18,00,000 including add-on cards, OR relationship value of ₹50,00,000 where RLV = combined average monthly balances across savings, current, fixed and recurring deposits. Cardholders who miss both are intimated, then offered the next-best card variant with their consent, or the card is closed by the bank with at least 30 days' notice. First enforcement lands in 2027 on FY2026-27 performance. Reported exclusions from the ₹18L spend count include EMI transactions, fees/charges, balance transfers and interest (community-sourced, not confirmed HDFC policy).
  • Welcome and renewal benefit: 12,500 Reward Points credited on realisation of the joining fee, and again on each renewal fee. Worth ₹12,500 at the SmartBuy travel rate, which fully offsets the fee. Complimentary Club Marriott membership (dining, room and spa discounts at participating Marriott hotels in Asia-Pacific) is also part of the package.
  • Complimentary 1+1 buffet at select ITC Hotels.
  • Insurance: air accident death cover up to ₹3 crore, emergency overseas hospitalisation up to ₹50 lakh, credit shield/liability cover ₹9 lakh.
  • SmartBuy brand vouchers (GyFTR / Woohoo) earn 5X = 25 RP per ₹150, but from 1 Jul 2026 the accelerated portion is capped at 3,000 RP per calendar month. Roughly ₹22,500 of voucher buying per month at 16.67%, after which vouchers drop to the 3.33% base.
  • Redemption ceilings to plan around: flights + hotels + airmile transfers 1,50,000 RP per calendar month. Statement cashback 50,000 RP per calendar month at ₹0.30/RP. Tanishq vouchers 50,000 RP per calendar quarter. Apple products 1 item per calendar quarter. Maximum 70% of any travel booking / Apple / Tanishq value payable in points.
  • No cash-advance fee: HDFC's 2.5%-or-₹500 ATM cash advance fee explicitly excludes Infinia and Infinia Metal Edition. Interest from the withdrawal date still applies, so it is cheap-but-not-free cash.
  • HDFC bank-wide 1% transaction fees (, thresholds measured per CALENDAR MONTH, each fee capped at ₹4,999): rent, 1% on every rent transaction regardless of amount. Wallet loads excluding PayZapp, 1% once loads exceed ₹10,000 in a calendar month. Fuel, 1% on any fuel transaction exceeding ₹15,000 (the ₹30,000 threshold applies to BUSINESS cards, not to premium consumer cards like this one). Utilities, 1% on total utility spend once it exceeds ₹50,000 in a calendar month. Education, 1% only when paid via third-party apps such as CRED, Cheq, MobiKwik or NoBroker (direct payments to school/college websites or their POS are free of it, and international education is exempt). Online skill-based gaming, 1% above ₹10,000 per calendar month. Insurance premiums are exempt from this fee set.
  • Dynamic/static currency conversion markup rose to 1.75% from 15 May 2026 on transactions billed in INR at an international location or with an India-located but overseas-registered merchant. This is on top of, and separate from, the 2% foreign-currency markup.
  • Optional Global Value Program (₹199 + GST per year, auto-renewing) returns 1% cashback on international spends, cutting the effective forex markup to about 1%.
  • No reward-redemption fee and no cashback-redemption fee: the ₹99 per redemption request and the ₹50 per cashback redemption both explicitly exclude Infinia / Infinia Metal.
  • Other charges: 1% + GST railway ticket purchase fee. Over-limit 2.5% of the over-limit amount, minimum ₹550. Payment-return 2% of the payment, minimum ₹450 but capped at ₹4,999 for Infinia and Infinia Metal. Metal card re-issue for loss/theft/damage ₹3,500 (vs ₹199 for plastic cards). Add-on cards lifetime free. Interest-free period 20-50 days.
  • Reward point housekeeping: RP valid 3 years from accrual (vs 2 years on most HDFC cards). All accrued RP nullified if the card goes unused for 365 days. On closure, RP survive only 30 days and can then be used for products/vouchers only, never cashback.
  • A RuPay sibling, Infinia Bharat, has been reported as rolled out in 2026 at a lower fee (~₹8,000 + GST, ₹8 lakh waiver spend) with UPI earning around 2 RP per ₹150 and a weaker ~₹0.75/RP SmartBuy value. It is a separate product rather than a UPI companion to this card, and HDFC has not published its terms, so nothing from it is priced into this entry.

Other exclusions

  • EasyEMI transactions earn nothing, and converting a retail spend to SmartEMI reverses the points already credited
  • Online skill-based gaming earns no points, and attracts a 1% fee above ₹10,000/calendar month

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.

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