HDFC Bank Infinia Metal Edition Credit Card

HDFC Bank · Invite only

HDFC's invite-only metal card. It earns 5 reward points per ₹150 on almost everything, up to 10X on SmartBuy hotels, with points worth up to ₹1 each on SmartBuy flights and hotels, unlimited domestic and Priority Pass lounge access and a ₹12,500 fee that is waived at ₹10 lakh of spend.

Annual fee
₹12,500 + GST a year
Joining fee
₹12,500 + GST
Fee waiver
Annual fee waived on ₹10,00,000 spend per card year
Base rate
Retail spends: 5 Reward Points per ₹150 (about 1% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
2%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy hotels, 10X (45 bonus points per ₹150 on top of the base): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy at IGP, Jockey and PharmEasy, 10X (45 bonus points per ₹150): 45 Reward Points per ₹150 on top of the base rate (about 9% at cash value)
  • SmartBuy flights, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)
  • SmartBuy at Myntra, Nykaa, redBus, Zoomcar, Apple (Imagine Tresor) and MakeMyTrip holiday packages, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)
  • SmartBuy instant brand vouchers, 5X (20 bonus points per ₹150): 20 Reward Points per ₹150 on top of the base rate (about 4% at cash value)

Earns nothing on

  • No points on fuel
  • No points on rent and property management, or on government payments (from 1 January 2023)
  • No points on wallet loads
  • No points on EasyEMI; points are reversed if a purchase is converted to SmartEMI
  • No points on online skill-based gaming (from 1 July 2025)
  • No points on education fees paid through third-party apps (from 1 September 2024)

Where the sources disagree

  • over-limit charge: HDFC's fees FAQ for the card says 2.5% of the over-limit amount, minimum ₹550. The MITC v4.15 excludes Infinia and Infinia (Metal Edition) from the over-limit charge. The MITC is the formal document, so the charge is entered as nil.
  • rent payment fee: The fees FAQ says 1% capped at ₹3,000, and the reward T&C says the 1% starts from the second rent payment in a calendar month. The MITC v4.15 says 1% capped at ₹4,999 a transaction from 1 July 2025. The MITC is used (issuer file).
  • card reissue fee: The fees FAQ says ₹100. The MITC v4.15 says ₹3,500 for metal cards. The MITC is used.
  • dynamic currency conversion markup: The reward T&C still says 1% for INR transactions at an overseas location. The MITC v4.15 says 1.75% from 15 May 2026. The MITC is used.

Terms the calculator does not value

  • Continuing the Infinia programme (from 1 April 2026) needs card spend of ₹18 lakh in the financial year (primary plus add-ons) or relationship value of ₹50 lakh (combined average monthly balance in savings, current, fixed and recurring deposit accounts). If neither is met HDFC says it will tell the cardholder, set a timeline and then offer "the next best alternate card variant" with the customer's consent. A holder who spends less than ₹18 lakh and has no deposits may lose the card, which the calculator does not test.
  • Airmile conversion is "up to 1 airmile per point" with the partner list on SmartBuy, which we could not read. Only Turkish Miles&Smiles and Accor (2 points to 1, from 15 January 2024) are entered, so the transfer value of the card is understated if 1:1 partners exist. Avianca LifeMiles (2 to 1) is not in the programme list.
  • SmartBuy accelerated points apply only to purchases made through the SmartBuy portal and only if the calculator's portal option is on. The caps are read as limits on the accelerated (bonus) points; HDFC does not say whether the base points count. Weekly SmartBuy deals and other instant discounts are separate and not entered. Offers also apply on EMI.
  • The Infinia cash advance fee is read from the MITC clause "2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher" as a flat ₹500; no HDFC document states the Infinia fee directly, so it may be nil or different.
  • Cards sourced before 18 October 2021 pay ₹10,000 with a ₹8 lakh fee waiver. The calculator values a card issued today, so only the ₹12,500 row is entered.

Sources

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