HDFC Bank Infinia Metal Credit Card
HDFC Infinia Metal is an invite-only super-premium credit card offering high reward rates on most spends along with unlimited airport lounge access worldwide. Reward points can be redeemed for flights and hotels.
- Issuer
- HDFC Bank
- Card type
- Rewards Card
- Category
- Travel & Lifestyle
- Joining fee
- ₹12,500 + GST
- Annual fee
- ₹12,500 + GST
- Rewards currency
- Reward Points
Highlights
- 12,500 reward points on paying the joining fee and on renewal.
- Earn 5 reward points per ₹150 on all spends and up to 10× points on SmartBuy purchases.
- Annual fee waived on spending ₹10 lakh in the previous year.
- Unlimited domestic and international lounge access for primary and add‑on cardholders.
Welcome, annual & renewal benefits
- The joining and renewal fee is ₹12,500 + taxes, but spending ₹10 lakh in the previous year waives the renewal fee.
- Paying the joining or renewal fee earns 12,500 bonus reward points.
Reward earning
Build a healthy Reward Points balance on every purchase and supercharge partner merchant spends.
| Spend type | Earn rate | Reward Rate |
|---|---|---|
| Regular spends | 5 RP / ₹150 | 3.3% |
| Smartbuy Flights | 25 RP / ₹150 | 16.6% |
| Smartbuy Hotels | 50 RP / ₹150 | 33.2% |
| Smartbuy Gyftr | 25 RP / ₹150 | 16.6% |
- 5X points partner on SmartBuy - Myntra, MakeMyTrip Holiday, Redbus and others
- 10X points partner on SmartBuy - PharmEasy, Jockey and more
- A maximum of 15,000 accelerated RPs can be earned in 1 day or 1 month
- Exclusions - fuel, wallet, rent and tax payments.
Redemption options
Redeem via HDFC SmartBuy for maximum value or move points to airline partners when conversions align with your itinerary.
- Airline partners convert at up to 1 RP : 1 air mile.
- You can cover up to 70% of a booking's value with Reward Points.
| Channel | Value |
|---|---|
| SmartBuy exclusive catalog | 1 RP = ₹0.65 |
| SmartBuy flights & hotels | 1 RP = ₹1 (up to 75,000 RP/month) |
| Products & vouchers | Up to ₹0.5 per RP |
| Statement credit | ₹0.30 per RP (cap 50,000 RP/month) |
Lounge, Travel & lifestyle
- Unlimited domestic and international airport lounge access via Priority Pass for primary and add‑on cardholders.
- Low 2 % forex markup on international transactions.
- Unlimited complimentary golf games at select courses.