HDFC Bank INFINIA Metal Credit Card

The Infinia Credit Card is the most premium product offered by HDFC Bank. It is an invite-only card with a target audience of high-net individuals who want luxurious benefits and high rewards. The card offers exclusive privileges like 24*7 concierge services, access to premium golf destinations, and attractive dining benefits at some of the country’s most premium restaurant chains. All these benefits put this card in direct competition with the Times Black ICICI Bank Credit Card. However, none come close to the popularity of Infinia.

Keeping the international traveling needs of its premium customers in consideration, HDFC Infinia offers a lower foreign currency exchange rate of 2% and a complimentary membership to the Priority Pass program with this card. HDFC Infinia Metal is a Reward Points-based card: you earn 5 Reward Points for every ₹150 spent using this card. Although the membership fee for this card is slightly on the higher side, ₹12,500/annum, it is most certainly worth it, and it can be the card of preference for you if you’re someone who is financially stable and can not compromise with your lifestyle needs. To understand the features of this card in more detail, go through the article. Get 10% off upto ₹1,000 while paying your dining bills with HDFC Infinia Metal via Swiggy Dineout. This discount is available twice each month on a minimum bill amount of ₹8,000.

Product Details

• 1 year complimentary Club Marriott membership.
• 12,500 Reward Points as an introductory benefit.
• Unlimited access to airport lounges across the globe for both primary and add-on cardholders.
• Get 5 Reward Points on every Rs. 150 spent (except fuel transactions) with your HDFC Bank Infinia Card.
• 24×7 global concierge service.
• Unlimited golf games at leading golf destinations in India and abroad.
• 1+1 complimentary buffet on weekends at participating ITC hotels.
• 2+1 complimentary night stay at participating ITC hotels.
• Spend-based waiver annual membership fee.

HDFC Infinia Credit Card Metal Edition Features and Benefits

The Infinia Card issued by the HDFC Bank is the most premium and exclusive card offered by the issuer. This credit card offers some exceptional world-class privileges over different categories, including dining, travel, insurance, and many more. Following is detailed information about the features and benefits of the HDFC Infinia Metal credit card:

Welcome Benefits

• As a Welcome gift, HDFC gives you a complimentary Club Marriott membership for one year. With this card, you can get up to 20% off restaurant bills for a maximum of 10 guests and 20% off the best available rates at participating Marriott hotels in India and on Weekend Rates in the Asia Pacific. This membership is only valid for a period of one year for the primary cardholder.
• Another welcome benefit that you get is 12,500 Bonus Reward Points after successfully paying the joining fee.

Travel Benefits

Flight Bookings

The Smartbuy portal of HDFC Bank allows the HDFC Bank Infinia Credit Cardholders to book flights using the Reward points they have earned on their credit card. The value of 1 Reward Point for redemption against the flight booking is ₹1. In addition to this, you can also get exciting discounts and deals.

Club Marriott Membership

Enjoy a complimentary Club Marriott membership, which you get as a welcome Benefit for the first year with the INFINIA Credit Card Metal Edition. With this, you are entitled to enjoy the following privileges:

• Get up to 20% off on Food & Beverage bills at top restaurants.
• Get up to 15% off select hotels for a maximum of 10 guests.
• Enjoy 20% off on the Best Available Rates on rooms at participating Marriott hotels in India and on Weekend Rates in Asia Pacific.
• Get 20% off on Spa services at select participating Marriott hotels in India between Monday and Friday.
• Apply for membership with the Club Marriott South Asia App. Enter your membership number and verify your mobile number and email to create your login credentials. Then, unlock your Membership to access a range of benefits at Marriott hotels.

ITC Complimentary Buffet

Enjoy exclusive offers on Travel and Dining with ITC Hotels on the HDFC Bank INFINIA Credit Card.

• Get a 1+1 complimentary buffet at participating ITC Hotels with the HDFC Bank Infinia Credit Card (one complimentary buffet per booking and one booking per month). To avail of this offer, Call HDFC INFINIA 24×7 concierge services and book your reservation.

Swiggy Dineout

Get up to ₹500 off while paying your dining bills with HDFC Infinia Metal via Swiggy Dineout. This discount is available twice a month, subject to a minimum bill amount of ₹3,500.

Golf Privileges

With INFINIA Credit Card, you are entitled to enjoy unlimited Complimentary golf games at leading courses across India and select courses across the world. Each golf lesson will span a minimum of 30 minutes and will include:

• Cost of instructor’s fees
• Range golf balls at 50 golf balls per lesson.

Also, enjoy the benefit of Unlimited complimentary Golf coaching at select golf courses across India. In order to avail of this benefit, you need to book your slot through HDFC INFINIA 24×7 concierge services.

Fuel Surcharge Waiver

A 1% fuel surcharge is waived on all fuel purchases between ₹400 and ₹1,00,000 at all fuel stations across the country (maximum waiver is capped at ₹1,000 every month) done with the HDFC Bank Infinia credit card. Do note that no RPs can be earned for any purchases at fuel stations.

Spend-Based Renewal Fee Benefits

Your card’s renewal fee of ₹12,500 is waived if ₹10,00,000 was spent in the previous year. Those who must pay the annual fees will receive 12,500 Reward Points as a renewal benefit.

HDFC Infinia Concierge Services

The HDFC Infinia Credit Card also offers 24*7 concierge services, some of which are as follows:

• Golf booking
• Private dining assistance
• Airport VIP service
• Itinerary planning and reservation assistance
• International gift delivery
• Event planning and referrals

HDFC Infinia Reward Point Earnings

“One of the most rewarding credit cards in the country, the Infinia Metal Edition lets you earn Reward Points that can be redeemed for shopping vouchers, hotel stays, flight tickets, or even to offset your statement balance.

• Cardholders will earn 5 Reward Points for every ₹ 150 spent.
• Reward Points for insurance transactions are capped at 10,000 per month.
• Reward Points for grocery, telecom, and utilities shall have a cap of 2,000 Points per month.
• You earn accelerated 10X RPs on travel and shopping spending on the SmartBuy platform.
• The accelerated Rewards that you can earn with Infinia are capped at 15,000 points per month.
• Transactions such as fuel, rent, property management, government spending, EasyEMI, and e-wallet reloading will not be eligible for RPs.

HDFC Infinia Reward Redemption

• The Rewards earned using the Infinia HDFC credit card are redeemable on HDFC’s SmartBuy platform or via Netbanking.
• You can redeem the RPs against hotel/flight bookings, DTH recharges, etc., on SmartBuy (1 RP = ₹1).
• Reward Points can also be converted into AirMiles via Netbanking (1 RP = 1 AirMile).
• You can also purchase products and vouchers via Netbanking or on SmartBuy using your RPs (1 RP = ₹0.50).
• Reward Points can also be redeemed against Tanishq and Apple vouchers on SmartBuy (1 RP = ₹1).
• The RPs can also earn you cashback (i.e., they can be redeemed against the card’s statement balance). However, the redemption rate is lower (1 RP = ₹0.30) in this case. It should be noted that for flight and hotel bookings, as well as Apple and Tanishq vouchers, only 70% of the total payment can be made through the RPs.
• Reward point redemption on Smartbuy against hotel and flight bookings is capped at 1,50,000 RPs per month.
• Reward point redemption on Smartbuy against Tanishq vouchers is capped at 50,000 RPs per quarter. Calendar Quarters – April to June, July to September, October to December, and January to March.

Given below are the transfer partners available with the Infinia Credit Card.

HDFC Infinia SmartBuy

SmartBuy is a rewards portal exclusively made for HDFC bank customers, where they can access exciting offers and deals in different categories. You get accelerated reward points on your Infinia Card when you make purchases via HDFC SmartBuy.

As discussed above, you can also redeem the reward points you earned using the HDFC Infinia Card on SmartBuy. Moreover, HDFC Bank keeps launching different offers on its credit/debit cards via the SmartBuy portal. To be updated on all HDFC SmartBuy offers and deals on Infinia Card, you can check this page regularly.

HDFC Infinia Metal Card Fees and Charges

The fees associated with the HDFC Bank Infinia Credit Card are as follows:

• Joining Fee: HDFC Bank charges ₹12,500 (plus applicable taxes) as the joining fee for the HDFC Bank Infinia Credit Card.
• Annual Fee: HDFC Bank charges an annual membership fee of ₹12,500 (plus applicable taxes) for HDFC Bank Infinia Credit Card.
• Interest Rate: An interest of 1.99% per month (23.8% annually), which is only applicable on the due amount. This is incredibly low compared to a lot of other credit cards, which have an interest of 3.5% per month.
• Forex Markup Fee: The HDFC Infinia Metal Edition Credit Card’s foreign currency markup fee is 2% of the transaction amount, which is very low. This fee applies when you transact in a different currency using your Infinia Card.

HDFC Infinia Credit Card Eligibility

The Infinia Credit Card is an invite-only offering, so there are no fixed eligibility criteria to apply. However, starting April 2026, cardholders will need to meet certain conditions to continue holding the card.

Effective 1st April 2026, continued access to the Infinia program will be linked to either a minimum annual spend or relationship value:

Annual Spend Requirement: ₹18 lakh (including primary and add-on cards) OR Relationship Value: ₹50 lakh. 

The Relationship Value (RLV) is calculated as the combined average monthly balance across your savings, current, fixed deposit, and recurring deposit accounts with the bank. The financial year for this evaluation will be considered from 1st April to 31st March of the following year.

Who Should Opt for the Infinia Credit Card?

The HDFC Bank Infinia credit card is an invite-only offering available only to clients who receive an official invitation from HDFC Bank. You might be eligible for the card based on your credit score, credit history, and other factors that the bank considers.

The card does charge a high joining and annual fee, but it is perfect for high-net-worth individuals who desire unlimited lounge access, bonus reward points, high reward rates, and more privileges. If you get an invitation for this card, you should definitely take advantage of it and use it to the maximum.

Review of HDFC Infinia Credit Card

HDFC Bank Infinia credit card offers a plethora of benefits to its customers, including lifestyle benefits like a 24×7 concierge service, complimentary access to the country’s leading golf destinations, dining and travel benefits like unlimited complimentary lounge access to all around the world with Priority Pass membership, flight/hotel bookings using Reward Points and, obviously, shopping benefit of 5 Reward Points per ₹150 spent with the card.

Considering all these benefits and privileges, it’s safe to say that this card fits the needs of almost all types of customers. Of course, since it’s a premium credit card, although the bank has not mentioned it explicitly in their terms and conditions, your net worth must be fairly high to be eligible for this card.

This was our HDFC Infinia Credit Card Review. What do you think of this card? We’d love to hear your opinion, so feel free to leave a comment. If you’re an existing cardholder, do let us know about your experience with the card.

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