HDFC Bank · Visa
HDFC Infinia Metal is the flagship super-premium HDFC card — invite-only, unlimited Priority Pass lounge access, 5X partner rewards and a comprehensive insurance suite. The Rs.12,500 annual fee is waived at Rs.10 Lakh spend, and at that spend level the reward value far exceeds the fee. For high-income professionals who travel frequently, this is one of the best cards available in India.
Annual Fee
₹12,500
Joining Fee
₹12,500
Base Reward Rate
5X
₹1/pt
Min CIBIL
750
₹30L+ income
Key Features
Welcome Benefits
12,500 Welcome Reward Points
Receive 12,500 bonus reward points on card activation — worth Rs.6,250 in catalogue redemptions or more via travel transfers.
Unlimited Priority Pass from Day 1
Instant Priority Pass membership with unlimited access to 1,500+ lounges worldwide. No per-visit limit, no supplementary fees.
Complimentary Club Marriott
One-year Club Marriott membership worth Rs.4,500 — includes 20% dining discount across Marriott properties in Asia-Pacific.
Reward Rates by Category
Dining
10X
Travel
10X
Online
5X
Shopping
5X
Grocery
5X
Fuel
1X
Utilities
1X
Other
5X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| Swiggy | Food Delivery | 5X |
| Zomato | Food Delivery | 5X |
| Myntra | Fashion | 5X |
| Nykaa | Beauty | 5X |
| Apple | Electronics | 5X |
| HDFC SmartBuy — Flights | Travel | 10X |
| HDFC SmartBuy — Hotels | Travel | 10X |
Milestone Benefits
25,000 Reward Points
Earn 25,000 bonus reward points when annual spend crosses Rs.8 Lakh.
Annual
40,000 Reward Points
Earn 40,000 additional bonus points on crossing Rs.15 Lakh annual spend. Worth Rs.20,000+ via travel transfers.
Annual
Airport Lounge Access
Domestic
Unlimited
International
6 visits/year
Insurance & Protection
Air Accident Cover
Accidental death while travelling by air with ticket on card.
Emergency Overseas Medical
Medical emergencies while travelling internationally.
Lost Card Liability
Fraudulent transaction protection.
Baggage & Passport Loss
Loss of checked baggage or passport abroad.
Purchase Protection
Against damage or theft of items purchased on card within 90 days.
Eligibility Criteria
Age
21–65 years
Salaried Income
₹25.0 L+ per year
Self-Employed
₹30.0 L+ ITR
Min CIBIL Score
800+
Primarily invite-only. HDFC relationship managers offer this to Imperia and Preferred banking customers. High-net-worth individuals with Rs.25L+ salary or Rs.30L+ self-employment income. Excellent CIBIL score (800+) strongly preferred.
Pros
- Unlimited domestic and international airport lounge access via Priority Pass
- 5X reward points on Swiggy, Zomato, Myntra, Nykaa and Apple
- 10X on flights and hotels via HDFC SmartBuy portal
- Air accident cover Rs.3 Crore + overseas medical Rs.50 Lakh
- Annual fee waived at Rs.10 Lakh spend
- Complimentary Club Marriott membership (annual)
- Dedicated relationship manager and concierge service
- No capping on reward point earning
Cons
- Invite-only — not available on direct application for most people
- 3.5% foreign transaction fee despite being a super-premium card
- Rs.12,500 annual fee requires Rs.10L spend for waiver
- SmartBuy portal required for 10X — not all prefer booking through it
- Best rewards locked behind partner multipliers
Redemption Options
Flight tickets
Hotel bookings
Amazon vouchers
Statement credit
Transfer Partners
Singapore Airlines KrisFlyer
2:1British Airways Avios
2:1Air France/KLM Flying Blue
2:1Marriott Bonvoy
1:1Frequently Asked Questions
Is HDFC Infinia Metal available for direct application?+
What is the HDFC Infinia Metal annual fee and how to get it waived?+
Does HDFC Infinia Metal have unlimited lounge access?+
What is the earn rate on HDFC Infinia Metal?+
Can I transfer HDFC Infinia points to airline miles?+
Ready to apply?
Apply on the HDFC Bank website. Usually takes 10 minutes.
User Reviews(2)
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The ultimate credit card for high spenders
Infinia Metal is worth every rupee of its fee if you are spending above 8-10 lakhs annually. The 5X on SmartBuy combined with unlimited lounge access is unbeatable. I get about 2.5% effective returns on all my spends. Metal card feels premium too.
- ✓Unlimited domestic + international lounge access
- ✓5X rewards on SmartBuy (effectively 3.3%)
- ✓Golf privileges
- ✓Concierge service actually works
- ✕Invite-only - hard to get
- ✕High spend requirement to justify fee
Nothing comes close at this tier
After trying Axis Burgundy and ICICI Emeralde, I settled on Infinia Metal as my primary card. The reward rate is consistent, SmartBuy has genuine deals, and the travel insurance coverage is comprehensive. The metal card design is a bonus.
- ✓Best in class reward rate
- ✓Comprehensive travel insurance
- ✓Metal build quality
- ✓Excellent customer service line
- ✕Spend-linked fee waiver requires 10L annual spend
HDFC Infinia Metal
₹12,500/yr · 5X rewards
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