HDFC Bank Infinia Metal Edition Credit Card
About HDFC Bank Infinia Metal Edition Credit Card
The HDFC Bank Infinia Metal Edition Credit Card remains the pinnacle credit card product in India. With an unrivaled 3.33% base reward rate that never loses purchasing power when booked against flights and hotels via SmartBuy, it outclasses virtually every other retail card in existence.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| š3.33% Base Reward Rate | 5 Reward Points per ā¹150 spent on all retail transactions (1 point = ā¹1 on SmartBuy flights & hotels). |
| šØ10X SmartBuy Hotels & Vouchers | 10X Reward Points (33.3% return) on hotel bookings and instant vouchers via SmartBuy (capped at 15,000 bonus points/month). |
| āļø5X SmartBuy Flights | 5X Reward Points (16.6% return) on flight bookings through the SmartBuy portal. |
| šļøUnlimited Lounge Access | Unlimited domestic and international airport lounge access for primary and add-on cardholders with complimentary Priority Pass and guest access. |
| ā³Unlimited Golf Privileges | Unlimited complimentary golf games and coaching sessions at leading golf courses across India and worldwide. |
| šLow 2.0% Forex Markup | Privileged foreign currency transaction markup fee of just 2.0% + GST on international spends. |
| š½ļøITC & Club Marriott Privileges | 1+1 complimentary buffet at participating ITC hotels, 2+1 night complimentary weekend stay, and complimentary Club Marriott membership. |
| š”ļøZero Cash Advance & Late Fees | Nil ATM cash advance fee and Nil late payment charges under official HDFC MITC terms. |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | ā¹12,500 + GST (Waived on Spends of ā¹10,00,000)Spend target in anniversary year to reverse renewal fee. |
| Interest Rates / Finance Charges | 1.99% Per Month (23.88% Annually)Privileged low revolving interest rate for HDFC super-premium credit cards on retail purchases and cash advances. |
| Late Payment Charges | Nil (Exempted under MITC)Infinia and Infinia Metal Edition cardholders are completely exempt from late payment charges under official HDFC MITC terms. |
| Foreign Currency Markup | 2.00% + GSTPrivileged reduced forex markup rate on international POS and cross-border online merchant transactions. |
| Dynamic Currency Conversion (DCC) | 1.00% + GST Markup FeeApplicable on transactions carried out in Indian Currency (INR) at an international location or overseas-registered merchants. |
| Rewards / Cashback Redemption Fee | ā¹0 (Zero Redemption Fee / Complimentary)Complimentary reward redemption across flight bookings, hotel reservations, and merchandise via SmartBuy. |
| Fuel Surcharge Waiver | 1% Fuel surcharge waiver on transactions ā„ ā¹400 (Max ā¹1,000 per statement cycle)Surcharge waiver excludes GST. Valid across all fuel stations in India. Fuel spends do not accrue reward points. |
| High-Value Fuel Spend Surcharge | 1% fee on fuel spends exceeding ā¹15,000/month (Capped at ā¹4,999/txn)Applicable on cumulative fuel spends above the monthly threshold in a calendar month. Surcharge is capped at ā¹4,999 per transaction. |
| Cash Advance Charges | Nil Transaction Fee (Finance charge at 1.99% p.m. applies)Zero ATM cash withdrawal transaction fee for Infinia. Revolving finance charge of 1.99% p.m. applies from the withdrawal date until full payment. |
| Overlimit Charges | Nil (Overlimit Facility Not Permitted / Exempt)Overlimit facility is not available or exempt under official card terms. |
| Rental Transaction Surcharge | 1% fee capped at ā¹4,999 per transactionProcessing fee levied on rental payments via platforms like CRED, Paytm, NoBroker, etc. (w.e.f. 1st July 2025). |
| Online Skill-based Gaming Surcharge | 1% fee on spends exceeding ā¹10,000/month (Capped at ā¹4,999/month)Applicable on online skill-based gaming transactions exceeding ā¹10,000 cumulative in a calendar month (w.e.f. 1st July 2025). |
| Wallet Loading Surcharge (excl. PayZapp) | 1% fee on loads exceeding ā¹10,000/month (Capped at ā¹4,999/month)Applicable on wallet loading transactions exceeding ā¹10,000 cumulative in a calendar month (PayZapp wallet loading is exempt, w.e.f. 1st July 2025). |
| Utility Payments Surcharge | 1% fee on utility spends exceeding ā¹50,000/month (Capped at ā¹4,999/month)Levied on cumulative utility bill payments (electricity, gas, water) exceeding the threshold in a calendar month. Capped at ā¹4,999/month. |
| Third-Party Education Fee Surcharge | 1% fee capped at ā¹4,999 per transaction via third-party appsLevied on school/college fee payments made via third-party apps (CRED, Cheq, NoBroker). Zero fee on direct school/college website or POS transactions. |
| Payment Dishonour / Bounce Charges | 2% of payment amount (Min ā¹450)Charged if cheque, ECS, NACH, or auto-debit instruction towards credit card payment is returned or dishonoured. |
| Card Replacement Fee | ā¹100 + GSTStandard physical card re-issuance fee for lost, stolen, or damaged card. |
| Cash Payment at HDFC Branch / ATM | ā¹100 + GST per transactionService fee charged for paying credit card bill via physical cash deposit at HDFC Bank branches or ATMs. |
| Railway Ticket Booking Surcharge | 1% of transaction amount + GSTStandard IRCTC transaction fee charged on railway ticket purchases. |
Pros & Cons
HDFC Bank Infinia Metal Edition Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
Unmatched 3.33% Base Reward Rate
Earn 5 Reward Points for every ā¹150 spent across retail. Points do not devalue and redeem 1:1 for flights and hotels on SmartBuy.
SmartBuy 10X Accelerated Rewards
Earn up to 33.3% reward rate on hotel bookings and vouchers and 16.6% on flights via SmartBuy, capped at 15,000 bonus points per month.
Unlimited Airport Lounges Worldwide
Uncapped complimentary access to domestic and international lounges for both primary and add-on members via Priority Pass.
Unlimited Global Golf Access
Enjoy unlimited complimentary rounds and coaching sessions at premier golf courses across India and international destinations.
Luxury Hotel & Dining Partnerships
Complimentary Club Marriott membership with up to 20% off dining and stays, plus 1+1 buffet and 2+1 night stay privileges at ITC Hotels.
Low 2.0% Forex Fee
Premium low 2.0% foreign currency markup saves significant cost on overseas travel and international online shopping.
5 Reward Points per ā¹150 (3.33% Base, Up to 33.3% on SmartBuy)
Points are valid for 3 years from date of accrual and convert 1:1 against travel and air miles.
Value of CashPoints / Points on Redemption
Comparative monetary conversion rates across cashback, flight tickets, product catalog, and airline miles.
| Redemption Option | Monetary Value (per Point) | Notes |
|---|---|---|
| SmartBuy Flights & Hotel Bookings | 1 RP = ā¹1.00 | Direct booking on SmartBuy portal for 100% of flight/hotel ticket value (up to 70% with points, 30% with card). |
| Airlines Air Miles Transfer (1:1) | 1 RP = 1.0 Air Mile | Transfer to Singapore Airlines KrisFlyer, British Airways Avios, Etihad Guest, Flying Blue, etc. |
| Apple & Tanishq Vouchers on SmartBuy | 1 RP = ā¹1.00 | Redeem against select premium brand vouchers. |
| Product Catalogue & General Vouchers | 1 RP = ā¹0.50 | Redemption against electronics and general merchant vouchers. |
| Cash Statement Credit | 1 RP = ā¹0.30 | Direct cash adjustment against statement outstanding. |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for HDFC Bank Infinia Metal Edition Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 ā 65 Years | 21 ā 65 Years |
| Income Proof | Net Monthly Income > ā¹3,00,000 | ITR > ā¹36,00,000 Per Annum |
| Credit Score (CIBIL) | 780+ recommended | |
How to Apply for HDFC Bank Infinia Metal Edition Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ā¹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
6.33% effective benchmark return
Exceptional net ROI (>500% or >ā¹20,000 net return)
No monthly or category ceilings
Rewards Catalogue
Domestic (5/5) + Intl (3/3) + Terms (2/2)
2% forex markup
Open retail availability
1 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Strong reward return, competitive forex rates and exceptional net ownership ROI. The score is reduced by the forex markup and restricted redemption options.
You need to spend at least ā¹2,28,000 per year (ā¹19,000/mo) on this card to fully recover its annual fee.
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (ā¹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
No. The HDFC Bank Infinia Metal Edition is strictly invitation-only. HDFC Bank does not offer a direct online application form for Infinia. Prospective cardholders are invited based on their banking relationship, income (ā¹3L+/month), or high spending and limit on an existing HDFC card (ā¹8L+ credit limit).
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for HDFC Bank Infinia Metal Edition Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
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