Priority Pass
HDFC Bank
Infinia Metal Edition
The HDFC Infinia has firmly held its ground as India's premier super-premium credit card for more than a decade. It delivers an exceptional base reward rate of 3.
How to get invited
This card is not available to apply for directly. Banks typically extend invitations based on your spend history and relationship with them. If you already hold HDFC Bank's premium cards, speak to your Relationship Manager.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 6 June 2026.
At a Glance
Annual Fee
₹12,500
Joining Fee
₹12,500
Fee Waiver
Spend ₹10,00,000 annually
Lounge Access
Unlimited lounge access
Forex Markup
2%
Effective Yield
3.33% – 33.33%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The HDFC Infinia has firmly held its ground as India's premier super-premium credit card for more than a decade. It delivers an exceptional base reward rate of 3.33% that can scale up to an incredible 33.33% on select HDFC SmartBuy portal purchases. This unparalleled earning potential allows the Infinia to easily outshine ultra-luxury competitors with much higher fee structures, such as the Axis Reserve or IDFC FIRST Private. Its absolute 1:1 reward point redemption ratio for direct travel bookings and frequent flyer mile transfers gives it a decisive advantage in the premium credit card landscape.
The card also functions as an elite travel companion by offering unlimited domestic and international airport lounge access for both primary and add-on cardholders. It pairs this with a heavily discounted foreign exchange markup fee alongside curated luxury hotel benefits via ITC and Marriott properties. While alternative premium cards provide competitive travel perks, the sheer unmatched return rate of the Infinia ecosystem makes it the superior financial choice. Given its exclusive invite-only nature and newly instituted, strict annual retention spend requirements, checking your credit health beforehand is highly recommended to understand your overall profile strength.
What We Like
The Infinia stands out as arguably the finest super-premium credit card in India. It delivers an industry-leading reward structure alongside luxury hotel privileges and a competitive foreign currency markup fee. Cardholders enjoy completely unrestricted access to both domestic and international airport lounges for a premium travel experience. Moreover, you also get unlimited complimentary global golf lessons and games at elite courses. The card offers an incredible return rate by allowing you to redeem points at a 1:1 ratio for flight and hotel bookings through SmartBuy or via airline miles transfer. You can also leverage this maximum 1:1 conversion value to buy high-end items like Apple devices and Tanishq vouchers directly. Ultimately, the HDFC Infinia continues to set the benchmark for luxury cards across the country despite competitive alternative portfolios like the Axis Magnus for Burgundy.
Pros
- ✓Earn a robust 3.33% base value-back on eligible retail spending categories.
- ✓Relax with completely unrestricted domestic and international lounge access for both primary and add-on cardholders.
- ✓Tee off with premium complimentary golf games and lessons at select elite courses in India and abroad.
- ✓Access curated luxury privileges including stay and dining deals at participating ITC hotel properties.
- ✓Save instantly on restaurant bills with a flat 15% dining discount through the Swiggy Dineout platform.
Cons
- ✗The 2% foreign exchange markup fee could be lower given that a few luxury and mid-tier cards offer zero or lower markups.
- ✗The complimentary Club Marriott membership benefit is restricted exclusively to your first card membership year.
Get This Card If
- ✓Extended exclusively via invitation to select high-net-worth individuals.
- ✓Requires a well-established, premium banking relationship with HDFC Bank.
- ✓Looked upon favourably if you already hold premium, high-tier credit cards from rival banks.
- ✓Dictates an exceptional credit profile paired with substantial credit limits on your active cards.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| SmartBuy Hotels & Vouchers (10X) | 50 Reward Points (RP) per ₹150 | 33.30% | 15,000 Bonus RP per month |
| SmartBuy Flights (5X Rewards) | 25 RP per ₹150 | 16.60% | 15,000 Bonus RP per month |
| Retail Spends (Base) | 5 RP per ₹150 | 3.33% | No Upper Cap |
| Utilities & Insurance | 5 RP per ₹150 | 3.33% | Capped at 2,000 RP and 10,000 RP per month for Utilities and Insurance respectively |
| Excluded Categories | No Points Earned | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹10 Lakh | Fee Waiver | ₹12,500 + GST Savings | Annual fee waived for the next year if annual spends exceed ₹10 Lakhs. |
| ₹18 Lakh | Retention Requirement | Card Continuity | New 2026 Rule: Must spend ₹18L annually to retain the card (otherwise downgraded). |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| SmartBuy Flights/Hotels | ₹1.00 per RP1:1 Ratio | Best Value (Capped at ₹1.5 Lakh value/month; 70% point usage rule) |
| Air Miles / Transfer Partners | Upto 1 AirmileUpto 1:1 Ratio | High Value |
| Products and Voucher | upto ₹0.50 per RP | Moderate Value |
| Statement Credit (Cash) | upto ₹0.30 per RP3.33:1 Ratio | Avoid (Value drops by 70%; monthly cap of 50,000 RP applies) |
What You Need to Know
The 2026 Retention Shield
Effective April 1, 2026, HDFC requires ₹18L annual spend or ₹50L TRV to keep the card.
Impact: Forces users to consolidate all spends on Infinia; casual holders will be downgraded.
New Redemption Ceiling
Total redemption for Flights/Hotels/Miles is now capped at 1,50,000 RP per month.
Impact: High spenders cannot dump millions of points for a single first-class luxury booking.
Overall Earning Cap
The maximum reward points that can be earned in a statement cycle for Infinia/Infinia Metal is 2,00,000
Impact: A high earning ceiling beyond which no reward points are earned
Utility & Fuel Surcharges
1% fee on Utility >₹50k and Fuel >₹15k (Consumer cards).
Impact: Negates the reward rate for large bills; users should split payments.
Essential Fine Print
Reward Exclusions
Excluded Categories (No Points): Fuel, Wallet loads, Rent payments, Government transactions, and Education payments via third-party apps.
Welcome Offer
Welcome Reward Points
12,500 Reward Points upon payment of the joining fee and renewal fee.
Complimentary Club Marriott Membership
Up to 25% discount on Dining & stay across Asia-Pacific Member's Night on Monday: Buy one drink, get a complimentary second drink. Member's Day on Tuesday: 50% off on food bill & 25% off on beverage
Lounge Access
Priority PassUnlimited International Lounge Access
Unlimited complimentary airport lounge access at 1,000+ lounges worldwide for both primary and add-on cardholders.
Unlimited Domestic Lounge Access
Unlimited complimentary Domestic airport lounge access in India with your HDFC Bank Infinia Credit Card
Travel Benefits
ITC Hotel Privileges
Complimentary one night stay on booking two nights and 1+1 buffet at participating ITC Hotels.
Dining Benefits
Global Dining Rewards
1+1 complimentary buffet at participating ITC Hotels and premium dining benefits via Swiggy Dineout.
Golf Benefits
Unlimited Golf Access
Unlimited complimentary golf coaching and green fee waivers at leading courses in India and worldwide. Enjoy 100% green fee waiver at select golf courses worldwide.
Milestone Benefits
Renewal Fee Waiver
Spend ₹10 Lakhs or more in the preceding 12 months to get the renewal fee waived for the subsequent year.
Additional Features
Metal Design
Premium metal card design for a sophisticated feel and durability.
Low Forex Markup
Industry-leading 2% markup on all foreign currency transactions.
24 x 7 Global Personal Concierge
Global Personal Concierge for customized bookings, dining assistance, event planning and more.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹12,500 |
| Annual / Renewal Fee | ₹12,500 |
| Fee Waiver Threshold | Spend ₹10,00,000 annually |
| Forex Markup | 2% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
By Invitation Only
The HDFC Bank Infinia Metal Edition is an exclusive credit card offered by invitation only to select high-net-worth individuals.
Interested in the Infinia Metal Edition?
This is an invite-only card. Speak to your Relationship Manager to express interest.
Frequently Asked Questions
Annual fee
₹12,500
3.33% – 33.33% yield