HDFC Bank INFINIA Metal Credit Card
Joining Fee: ₹12,500 + GST
Renewal Fee: ₹12,500 + GST
Reward Type: Reward Points
HDFC Infinia Welcome Benefits and Introductory Perks
Welcome Bonus
Receive 12,500 Reward Points as a welcome gift upon paying the joining fee.
Club Marriott Membership
With the complimentary Club Marriott membership, you get 20% off on dining and room bookings at participating Marriott hotels in India and on weekend rates in Asia Pacific. Ideal for frequent travelers, this benefit adds to the luxury experience.
Base Rewards Structure
| Spend Category | Reward Points (RP) | Reward Rate Approx. |
|---|---|---|
| Retail Spends | 5 RP / Rs 150 | 3.3% (for flights/hotels) |
| Insurance Transactions | 5 RP / Rs 150 | 3.3%, capped at 5,000 RP/day |
| Grocery Transactions | 5 RP / Rs 150 | 3.3%, capped at 2,000 RP/month |
| Wallet, Fuel, Rent, Government Services | No rewards | - |
| SmartBuy Bonus | Up to 15,000 RP/month | Varies by merchant (see below) |
Airport Lounge Access
Unlimited Lounge Access Worldwide
The HDFC Infinia Credit Card is an elite offering known for its exceptional benefits, especially regarding complimentary airport lounge access With an exclusive Priority Pass membership, Infinia cardholders enjoy unlimited access to domestic and international lounges, setting it apart from most other credit cards in India offering seamless travel experiences with access to over 1,000 lounges worldwide.
Dining and Lifestyle Privileges
1+1 Complimentary Buffet at ITC Hotels
Book a complimentary buffet for one guest at participating ITC Hotels each month. Reservations must be made through HDFC’s 24×7 concierge services, ensuring exclusive dining experiences for cardholders.
Exclusive ITC Hotel Stays
Avail a complimentary night’s stay at select ITC hotels with a minimum two-night booking, adding extra value to luxury travel. This benefit is only valid with advance booking through HDFC’s concierge services.
Swiggy Dineout Offer
Get 15% off up to ₹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 ₹2,500.
Unlimited Golf Benefits
Access unlimited complimentary rounds of golf and coaching at premier golf courses across India and select international locations. Each coaching session includes 50 golf balls and instructor fees, making it ideal for golf enthusiasts.
Exclusive Access to HDFC Infinia SmartBuy
Accelerated Points on SmartBuy
With the HDFC SmartBuy portal, earn up to 10X Reward Points on travel and shopping, maximizing returns on major purchases. Points can also be redeemed on SmartBuy for bookings or transferred to loyalty programs, with a monthly cap of 1,50,000 RPs on hotel and flight redemptions.
Exclusive SmartBuy Offers
HDFC regularly updates SmartBuy with exclusive discounts and deals on credit card purchases. Check SmartBuy for the latest deals to enhance your HDFC Infinia experience.
SmartBuy Bonus Point Multipliers
*Infinia smartbuy portal
| Partner | Reward Multiplier | Reward Rate (Approx.) |
|---|---|---|
| IGP.com | 10X | 33% |
| Flights | 5X | 16.5% |
| Hotels | 10X | 33% |
| IRCTC | 3X | 10% |
| Redbus | 5X | 16.5% |
| Instant Vouchers | 5X | 16.5% |
| Apple Imagine Tresor | 5X | 16.5% |
| Zoom Car | 5X | 16.5% |
| Nykaa | 5X | 16.5% |
| Myntra | 5X | 16.5% |
| Jockey | 10X | 33% |
| MMT Holiday Packages | 5X | 16.5% |
| Pharmeasy | 10X | 33% |
HDFC Infinia Smartbuy Redemption
| Redemption Option | Redemption Rate | Restrictions |
|---|---|---|
| SmartBuy (Hotel/Flight bookings) | 1 RP = ₹1 | Cap of 1,50,000 RPs per month; 70% max payment by RP |
| Tanishq Vouchers | 1 RP = ₹1 | Cap of 50,000 RPs per quarter; 70% max payment by RP |
| Apple Vouchers | 1 RP = ₹1 | 70% max payment by RP ; you can only redeem one apple product per quarter. |
| AirMiles Transfer (Netbanking) | 1 RP = 1 AirMile (varies by airline) | See partner list for transfer ratios |
| Products/Vouchers (Netbanking/SmartBuy) | 1 RP = ₹0.50 | |
| Cashback | 1 RP = ₹0.30 | Redeem against card statement balance |
HDFC Infinia Transfer Partners
| Partner | Equivalent Points | Transfer Ratio |
|---|---|---|
| Air Canada Aeroplan | 1 RP = 0.5 Aeroplan Miles | 1:2 |
| Club ITC | 1 RP = 0.5 Green Points | 1:2 |
| SpiceClub | 1 RP = 1 SC Point | 1:1 |
| Avianca LifeMiles | 1 RP = 0.5 LifeMiles | 1:2 |
| Turkish Airlines Miles & Smiles | 1 RP = 0.5 Miles | 1:2 |
| United MileagePlus | 1 RP = 0.5 MileagePlus Mile | 1:2 |
| British Airways Avios | 1 RP = 0.5 Avios | 1:2 |
| Finnair Plus | 1 RP = 1 Finnair Plus Point | 1:1 |
| AirAsia Rewards | 1 RP = 1 AirAsia Point | 1:1 |
| Etihad Guest | 1 RP = 0.5 Guest Points | 1:2 |
| Hainan Airlines Fortune Wings Club | 1 RP = 1 Fortune Wings Point | 1:1 |
| Accor ALL | 1 RP = 0.5 ALL Point | 1:2 |
| IHG One Rewards | 1 RP = 1 IHG One Point | 1:1 |
| Wyndham Rewards | 1 RP = 1 Wyndham Rewards Point | 1:1 |
Qatar Airways Avios | 1 RP = 0.5 Avios | 1:2 |
Vietnam Airlines Lotusmiles | 1Rp = 1 mile | 1:1 |
HDFC Infinia Card Fees and other Charges
Joining and Renewal Fee
The HDFC INFINIA Metal Credit Card has a ₹12,500 joining fee and an annual renewal fee of ₹12,500. Renewal is free if you spend over ₹10 lakh annually; otherwise, receive 12,500 Reward Points as a renewal benefit.
Interest Rate
With an interest rate of 1.99% per month (23.8% annually), this card has one of the lowest interest rates among premium cards.
Forex Markup Fee
The HDFC Infinia Metal Edition Credit Card charges a foreign currency markup fee of 2% on the transaction amount.
Add-on Cards
You can apply for up to three add-on cards at no cost. Additionally, you will receive a priority pass linked to each of your add-on cards, granting access to airport lounges.
HDFC Bank Global Value Program
The HDFC Bank Global Value Program (GVP) is an add-on service designed to enhance rewards on international transactions for HDFC Bank credit cardholders. While many credit cards in India offer rewards for domestic purchases, very few focus on international spending, which has increased due to global travel and cross-border e-commerce. This program is especially valuable for HDFC Bank Infinia and Diners Club Black cardholders, offering additional cashback even after considering forex markups.
What is the HDFC Bank Global Value Program?
The HDFC Bank Global Value Program (GVP) provides a 1% cashback on all international transactions made with HDFC Bank credit cards. This cashback is applied over and above the standard credit card reward points.
| Feature | Details |
|---|---|
| Joining Fee | ₹199 + GST (~₹235) |
| Welcome Benefit | 500 Bonus Reward Points (worth ₹500 for Infinia/DCB cards) on the first international transaction |
| Annual Renewal Fee | ₹199 + GST (~₹235) |
| Applicable Credit Cards | All HDFC Bank credit cards |
| Maximum Cashback per Cycle | ₹1000 per statement cycle |
For frequent international travelers or those who make regular foreign currency transactions, the HDFC Global Value Program offers significant savings effectively offering 1.94% reward rate for Infinia/DCB. For a nominal fee of ₹235 annually, users can earn up to ₹12,000 cashback on international transactions each year. With the cashback cap at ₹1000 per statement cycle, high spenders on international transactions can fully utilize this benefit with regular use.
Summary
The HDFC Infinia Credit Card is a prestigious, invite-only card tailored for high-net-worth individuals. To be considered for this card, applicants typically need to have an excellent credit score, a high annual income (around ₹45 lakh or more), and a strong relationship with HDFC Bank, with a Total Relationship Value (TRV) exceeding ₹25 lakh. While there are no specific public eligibility criteria, having a history of responsible card usage, a substantial credit limit, or significant spending (₹8 lakh or more in the past six months) on an existing HDFC credit card can improve your chances of receiving an invitation.
The HDFC Infinia Credit Card offers an array of luxurious benefits, including unlimited airport lounge access, a 24×7 concierge service, golf privileges, and exclusive dining and travel rewards. Cardholders can earn 5 reward points per ₹150 spent, with high redemption rates for flights, hotel bookings, and premium shopping options. Additionally, the card provides access to several high-end lifestyle services, making it a perfect choice for those who seek luxury and convenience in their daily life. While the card comes with a high annual fee, its extensive privileges make it a worthwhile investment for those who can maximize its benefits.