More Benefits Than Ever Before
Up to 33.3% on SmartBuy purchases
Unlimited domestic & international access
12,500 reward points on activation
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| Benefit | Details |
|---|---|
| Super-Premium Rewards | Earn 5 reward points per ₹150 spent (3.3% reward rate). |
| Welcome & Renewal Bonus | 12,500 bonus reward points on joining and renewal fee payment (value: ₹12,500 when redeemed optimally). |
| Premium Redemption | 1 Reward Point = ₹1 for travel bookings, Apple products, and Tanishq vouchers via SmartBuy; 1 RP = 1 Air Mile. |
| Unlimited Lounge Access | Unlimited access to airport lounges in India and across the world for both primary and add-on cardholders via Priority Pass and Visa/MC networks. |
| Fee Waiver | Annual fee waived on spending ₹10 Lakhs or more in the preceding 12 months. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank Ltd. |
| Bank / Non-bank | Bank |
| Category | Super-Premium Lifestyle, Travel & Rewards |
| Type of Card | Credit Card (Visa/Mastercard) |
| Free or Paid | ₹12,500 Annual Fee (waived on ₹10L annual spend) |
The HDFC Infinia Credit Card Metal Edition is one of the super-premium credit cards in India, offered on an invite-only basis. With reward rates from 3.3% on regular spends to 33.3% on SmartBuy purchases, it's ideal for high spenders who optimize travel bookings and luxury purchases. The card features unlimited global lounge access, golf privileges at 120+ courses, Club Marriott membership, comprehensive insurance (₹3 crore air accident cover), and 24×7 concierge services, delivering exceptional value for those spending ₹10L+ annually.
Card Type: Super Premium – Invite Only
Metal Card Design: Crafted with a sleek, solid metal finish, adding to its premium aesthetic and giving the card a premium, weighted feel.
High Reward Rate: Base reward rate of 3.3% on all spends, with accelerated rates up to 33.3% on SmartBuy platform purchases.
Unlimited Global Lounge Access: Unlimited access to airport lounges in India via Visa/MC networks and unlimited global access through Priority Pass, extended to add-on cardholders.
Comprehensive Insurance: ₹3 Crore Air Accident Cover, ₹50 Lakh emergency overseas hospitalisation, ₹9 Lakh credit shield protection.
24×7 Global Concierge: Airport VIP meet-and-greet services, itinerary planning, private dining, and event arrangements.
Low Forex Markup: Foreign currency markup of just 2%, which is among the lowest in the super-premium segment.
Regular Spends: 5 Reward Points per ₹150 spent, which translates to a base reward rate of 3.3%.
SmartBuy Program:
When using the card via HDFC SmartBuy, HDFC's rewards portal, you earn accelerated reward points on select categories:
Spend Category | Reward Multiplier | Reward Rate |
Flights/Hotels (SmartBuy) | 10X | 33.30% |
Gift Vouchers (SmartBuy) | 5X | 16.50% |
Other SmartBuy categories | 3X–10X | 10%–33.3% |
SmartBuy Reward Cap:
15,000 bonus RPs per calendar month (capped under 10X SmartBuy)
Maximum Rewards Cap:
On the HDFC Infinia Credit Card, there is no specific capping on earning reward points through Smartbuy. However, there is a monthly capping of 2 Lakh points on reward earnings across all categories.
Excluded Transactions: No reward points on:
Fuel
EMI transactions
Wallet loads
Rent payments
Utility bills via third-party apps
Government payments
Redemption is where Infinia truly shines:
Redemption Mode | Value per RP |
Flights/Hotels via SmartBuy | ₹1 = 1 RP |
Apple Products / Tanishq | ₹1 = 1 RP |
Airmiles (via NetBanking) | 1 RP = 1 Airmile |
Shopping Vouchers | ₹0.50 per RP |
Cashback | ₹0.30 per RP |
Redemption Rules:
The maximum redemption allowed is 70% of the booking value using points
The remaining 30% must be paid via card, which in turn earns more reward points
Miles Transfer Partners:
Several leading airlines are a part of HDFC Bank's Miles Transfer Programme. Users can transfer their points in a 1:1 ratio, including:
Etihad
Air Canada
Air France
British Airways
Air Asia
Welcome Bonus: 12,500 Reward Points (Value: ₹12,500)
Renewal Bonus: 12,500 Reward Points
Unlimited access to airport lounges:
Unlimited access to airport lounges in India via Visa/MC networks
Unlimited global access through Priority Pass, extended to add-on cardholders
Works in most major international airports and premium domestic lounges
Unlimited Golf:
Unlimited complimentary golf rounds and coaching sessions
Access to 20+ top golf courses in India and 100+ abroad
Concierge booking required; one slot can be held at a time
Club Marriott Membership: Complimentary Club Marriott membership for first year, offering up to 20% off on food and beverages at participating Marriott restaurants across Asia-Pacific.
ITC Hotels: 1+1 buffet offers at ITC Hotels.
Swiggy Dineout: 10% extra discount at 35,000+ restaurants via Swiggy Dineout when paying with HDFC credit cards.
Air Accident Cover: ₹3 Crore Air Accident Cover.
Overseas Medical Insurance: ₹50 Lakh emergency overseas hospitalisation.
Credit Shield Protection: ₹9 Lakh credit shield protection.
24×7 Global Concierge:
Airport VIP meet-and-greet services
Itinerary planning
Private dining
Event arrangements
Foreign Currency Transactions: Foreign currency markup of just 2%, which is among the lowest in the super-premium segment.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹12,500 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹12,500 + GST | Charged every year. |
| Fee Waiver | On ₹10 Lakhs spend | Spend ₹10 Lakhs in 12 months to waive next year's fee. |
| Foreign Currency Markup | 2% | Charged on all foreign currency transactions. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards. |
| Criteria | Details |
|---|---|
Card Status | Invite-Only |
Age (Minimum) | 21 years and above |
Credit History | Excellent credit history required |
Existing Relationship | Typically offered to existing HDFC Bank customers |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Aadhaar Card, Passport, Driving License, or any valid government-issued address proof |
| Income Proof | Latest salary slips, Income Tax Returns, Form 16, bank statements, or other relevant financial documents as per HDFC Bank policy |
This is an invite-only credit card and cannot be applied for directly.
You must receive an invitation from HDFC Bank, typically offered to existing HDFC customers with strong banking relationships.
Contact your HDFC Bank relationship manager and request an upgrade if you meet the eligibility criteria.
Submit required documents including PAN Card, Aadhaar/Address Proof, and Income Proof when invited.
Once approved, your HDFC Infinia Credit Card Metal Edition will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise SmartBuy Rewards | Book all flights and hotels through the HDFC SmartBuy portal to earn 10X rewards (33.3% return). |
Target Monthly SmartBuy Cap | Aim to earn the maximum 15,000 bonus points per month through SmartBuy. |
Redeem at 1:1 Ratio | Always redeem points for travel bookings, Apple products, Tanishq vouchers, or air miles at 1:1 ratio (₹1 per point). |
Track Annual Spend for Fee Waiver | Monitor spending to reach the ₹10 lakh threshold for automatic annual fee waiver. |
Utilise Lounge Access | Take advantage of unlimited lounge access for primary and add-on cardholders. |
Book Golf Sessions | Schedule complimentary golf games and coaching at 20+ Indian and 100+ international courses through the concierge. |
Leverage Insurance Coverage | Understand your ₹3 crore air accident and ₹50 lakh overseas hospitalisation coverage. |
Convert to Air Miles | Transfer points to airline partners like British Airways, Air Canada, or Etihad at a 1:1 ratio. |
Use Concierge Services | Leverage 24×7 global concierge for travel planning, dining reservations, and event bookings. |
International Travel Optimisation | Use the card for all international transactions to benefit from a low 2% forex markup. |
Club Marriott Benefits | Utilise Club Marriott membership for up to 20% off on food and beverages at participating Marriott restaurants. |
The HDFC Infinia Credit Card Metal Edition is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.