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Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5 Reward Points per ₹150 spent (3.33% value)
Earn 5 Reward Points per ₹150 on all retail spends. Earn up to 10X Reward Points on travel and shopping via HDFC SmartBuy (overall bonus capped at 15,000 points/month; brand vouchers capped at 3,000 points/month). Spends on fuel, rent, wallet loads, EMI, and government transactions are excluded from earning rewards.
Redeem for
The privileges that come bundled in, beyond the reward points.
Global Lounge Access: Unlimited complimentary domestic and international airport lounge access (via Priority Pass) for both primary and all add-on cardholders
Golf Privileges: Unlimited complimentary global golf games and lessons at select golf courses in India and abroad
ITC Hotels Benefit: Book 3 nights and pay for 2, plus enjoy a 1+1 complimentary buffet at participating ITC hotels
Dining Benefits: Flat 15% discount on dining via Swiggy Dineout at participating restaurants
Annual Fee Waiver: The hefty renewal fee of ₹12,500 is waived upon achieving ₹10 Lakhs in annual spends in the preceding card anniversary year
Insurance: Premium protection including ₹3 Crore air accident cover and ₹50 Lakhs overseas emergency hospitalization cover.
An honest read on where this card earns its keep — and where it doesn't.
Unmatched 3.33% base reward rate and up to 33% reward rate via SmartBuy 10X multipliers
Reward points hold a highly lucrative 1:1 value (₹1) for flights, hotels
Apple products, and Air Miles
Unlimited domestic and international lounge access extends completely to add-on cardholders
Exceptionally low foreign currency markup of just 2%
Very low finance charge (APR) of 1.99% per month compared to industry standards
Strictly invite-only with very steep income and relationship eligibility requirements
High ₹12,500 + GST annual fee requires a massive ₹10 Lakh spend to waive
Strict exclusions mean you earn zero rewards on fuel, rent, wallets, and government transactions
SmartBuy brand vouchers are now capped at a strict 3,000 accelerated RP per calendar month
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
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Everything you need to know about HDFC Infinia Metal Edition fees, reward conversion, lounge access, and application eligibility.
HDFC Infinia Metal Edition has an annual fee of ₹12,500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome benefit of 12,500 Reward Points (equivalent to ₹12,500) upon fee realization and card activation. Includes a complimentary Club Marriott membership for the first year.".
HDFC Infinia Metal Edition earns Reward Points at a primary rate of 5 Reward Points per ₹150 spent (3.33% value). Specifically, Earn 5 Reward Points per ₹150 on all retail spends. Earn up to 10X Reward Points on travel and shopping via HDFC SmartBuy (overall bonus capped at 15,000 points/month; brand vouchers capped at 3,000 points/month). Spends on fuel, rent, wallet loads, EMI, and government transactions are excluded from earning rewards.. Spends in Super Premium, Travel, Rewards, Lifestyle categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Infinia Metal Edition can be redeemed for SmartBuy Flights & Hotels (1 RP = ₹1), Apple Products & Tanishq via SmartBuy (1 RP = ₹1), Partner Air Miles (1 RP = 1 Mile), Products & Vouchers (1 RP = ₹0.50), Cashback against statement (1 RP = ₹0.30) via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 36 months from the transaction date before expiring.
Yes, HDFC Infinia Metal Edition features complimentary airport lounge privileges. Privileges include: "Global Lounge Access: Unlimited complimentary domestic and international airport lounge access (via Priority Pass) for both primary and all add-on cardholders". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 750 or above is strongly recommended for approval of HDFC Infinia Metal Edition. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Infinia Metal Edition is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Infinia Metal Edition levies a forex markup fee of 2.0% of the transaction amount on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Infinia Metal Edition currently features a welcome offer: "Welcome benefit of 12,500 Reward Points (equivalent to ₹12,500) upon fee realization and card activation. Includes a complimentary Club Marriott membership for the first year.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Unmatched 3.33% base reward rate and up to 33% reward rate via SmartBuy 10X multipliers and Reward points hold a highly lucrative 1:1 value (₹1) for flights. However, keep in mind that Strictly invite-only with very steep income and relationship eligibility requirements and High ₹12. Overall, HDFC Infinia Metal Edition delivers strong value if your regular spending aligns with Super Premium, Travel, Rewards, Lifestyle.
You can apply for HDFC Infinia Metal Edition directly through HDFC Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
