HDFC Infinia Metal Review 2026: Fees, Rewards & Benefits
Explore the HDFC Bank Infinia Metal credit card. Learn about its 3.33% reward rate, unlimited lounge access, and exclusive ITC hotel benefits. Is it worth th...
The HDFC Infinia Metal remains the gold standard for super-premium credit cards in India. Its combination of high reward rates, flexible 1:1 redemption, and extensive travel perks makes it the most coveted card for high spenders.
A realm of limitless exclusivity.
The Bottom Line
The HDFC Bank - Infinia Metal is the HDFC Infinia Metal remains the gold standard for super-premium credit cards in India. Its combination of high reward rates, flexible 1:1 redemption, and extensive travel perks makes it the most coveted card for high spenders. With a ₹12,500 annual fee that is waived on ₹10,00,000 yearly spend, it offers 10.99% rewards on smartbuy flights & hotels and 12,500 bonus points. For anyone researching hdfc bank infinia metal, the verdict is simple: recommended.
It earns a base reward rate of 1.0989% and stacks best when your spending lines up with High-Net-Worth Individuals, Frequent International Travelers. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.
Who Should Get This Card
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Best fit for
IdealExclusive lifestyle benefits, unlimited golf, and concierge services tailored for HNIs.
Unlimited global lounge access and low forex markup provide significant value.
Probably not for
SkipThe ₹10 Lakh annual spend requirement for fee waiver is high for casual users.
Is It Worth It For You?
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Reward Rates
HDFC Bank - Infinia Metal offers 1.0989% basic reward rate.
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Welcome Offer
Complimentary Club Marriott membership for the first year 12,500 Reward Points upon fee realization
Milestone Benefits
Quarterly Spend Bonus Earn 10,000 bonus reward points on spending ₹3 Lakhs in a calendar quarter.
Annual Fee Waiver Renewal fee waived on annual spends of ₹10 Lakhs.
Fees & Charges
Eligibility
- Min Income: ₹45 Lakhs
- Min Credit Score: 750
- Exclusively by invitation only. Typically requires a high net worth relationship (Imperia/Infiniti) or high existing credit limit (>8L) with significant spends.
Exclusions & Terms
Fuel
- Surcharge waiver applicable instead
Rent
- Excluded from rewards; 1% fee applies
Wallet Loading
- Standard exclusion
Government Transactions
- Excluded from rewards
Frequently Asked Questions
2 data-backed answers from our card database