HDFC Bank Infinia Review 2026: Fees, Rewards & Benefits
Explore the HDFC Bank Infinia Metal Edition. Learn about its 3.33% reward rate, unlimited lounge access, and how to get an invitation for India's top credit ...
HDFC Infinia remains the gold standard of Indian credit cards, offering a consistent 3.33% return and exceptional travel perks. It is the most balanced super-premium card for those who can secure an invitation.
The ultimate card for the global citizen.
The Bottom Line
The HDFC Bank Infinia is hDFC Infinia remains the gold standard of Indian credit cards, offering a consistent 3.33% return and exceptional travel perks. It is the most balanced super-premium card for those who can secure an invitation. With a ₹12,500 annual fee that is waived on ₹10,00,000 yearly spend, it offers 0% rewards on smartbuy flights & hotels and 12,500 bonus points. For anyone researching hdfc bank infinia credit card, the verdict is simple: recommended.
It earns a base reward rate of 1.0989% and stacks best when your spending lines up with Ultra-High-Net-Worth Individual, Frequent International Traveler. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSeeking the highest reward rate in India with premium lifestyle and travel privileges.
Unlimited global lounge access and low 2% forex markup fee.
Probably not for
SkipThe ₹10 Lakh annual spend requirement for fee waiver is difficult to reach for casual users.
Is It Worth It For You?
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Reward Rates
HDFC Bank Infinia offers 1.0989% basic reward rate.
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Welcome Offer
Fees & Charges
Eligibility
- Min Income: ₹60 Lakhs
- Min Credit Score: 750
- Offered to select high-net-worth individuals by invitation only. Salaried individuals typically require a monthly income of ₹5 Lakhs+; self-employed require ITR of ₹60 Lakhs+.
Exclusions & Terms
Fuel
- Fuel transactions are ineligible for reward points but receive a surcharge waiver.
Rent
- No reward points on rental payments; 1% fee applies.
Government Services
- Excluded from reward point accrual.
Wallet Loading
- Excluded from reward point accrual.
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Frequently Asked Questions
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