HDFC Bank Infinia Credit Card (non-metal)
HDFC Bank · Closed to new applicants
The earlier Infinia, listed in the MITC apart from the Metal Edition. It earns 5 reward points per ₹150 like its successor, but costs ₹10,000 a year with a ₹8 lakh waiver. HDFC does not say whether every card in the pre-October-2021 cohort is non-metal.
- Annual fee
- ₹10,000 + GST a year
- Joining fee
- ₹10,000 + GST
- Fee waiver
- Annual fee waived on ₹8,00,000 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 20 Oct 2026
- Replaced by
- HDFC Bank Infinia Metal Edition Credit Card
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: The Infinia fees FAQ shows 2.5% with a ₹550 minimum; the MITC excludes Infinia and Infinia (Metal Edition) from the over-limit charge. The MITC is used (0).
Terms the calculator does not value
- SmartBuy accelerated earn (the Infinia column of the SmartBuy table, 15,000 points a month) is not entered for this predecessor record; see hdfc-infinia for the table.
- From 1 April 2026 continued access to the Infinia programme needs card spends of ₹18 lakh a financial year (primary plus add-ons) or relationship value of ₹50 lakh; otherwise HDFC offers the next best alternate card with consent (MITC clause on closure by the bank). It is a condition on keeping the card, not a fee or benefit.
- Welcome and renewal benefits for the ₹10,000 cohort are not stated in any document read; the 12,500-point benefit on the Metal Edition page is for the ₹12,500 fee.
- Insurance cover and the Club Marriott, golf and concierge benefits of the Metal Edition page are not entered for this record; HDFC does not say they apply to the non-metal card.
Sources
- Infinia Metal credit card product page (fee rows by sourcing date; no separate page for the non-metal card) (Product page, the bank's own, read 20 Oct 2026)
- Infinia credit card fees and charges page (FAQ, the bank's own, read 20 Oct 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.15, updated 17 October 2026 (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- Infinia Rewards Points Program terms and conditions (covers "Infinia/Infinia Metal") (Reward terms, the bank's own, read 20 Oct 2026)
- HDFC Bank notice "Updates on your credit card rewards, fees & charges", effective 15 May 2026 (generic mailer) (Bank notice, the bank's own, read 20 Oct 2026)
- SmartBuy accelerated earn rules (valid till 31 March 2027) (Reward terms, the bank's own, read 20 Oct 2026)