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HDFC Infinia Credit Card: Fees, Rewards & Benefits

Travel card

Vyaya Team · Aug 2026
5 min read
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Value Score
9.6 / 10
Annual Fee
₹12,500
Best For
High-net-worth traveller, SmartBuy power user
Network
Visa
Expert Verdict

HDFC's flagship ultra-premium card delivers up to ₹1-per-point value, unlimited Priority Pass lounges, ITC perks and ₹3 Crore insurance with 10X/5X SmartBuy earning capped at a high 15,000 points/month. It only makes sense for high spenders who can absorb the ₹12,500 fee and clear the ₹10 Lakh waiver.

Infinia Metal Edition credit card by HDFC Bank - Visa network
REWARD SUMMARY
1% Base Rewards
Travel card
← Tap to flip back

The Bottom Line

The Infinia Metal Edition is built for high-net-worth traveller and smartbuy power user. With a ₹12,500 annual fee that is waived on ₹10,00,000 yearly spend, it offers 7.5% rewards on smartbuy (travel) and 12,500 bonus points. It makes the most sense if your spending matches high-net-worth traveller and smartbuy power user.

It earns a base reward rate of 1% and stacks best when your spending lines up with High-net-worth traveller, SmartBuy power user. The renewal fee gets easier to justify once you can hit ₹10,00,000 in yearly spend.

What we like
+Reward Points can reach a best value of ₹1 each, and the card earns a strong base 5 points per ₹150 (3.3% at best value).
+10X (50 points per ₹150) on SmartBuy Gyftr vouchers and 5X on SmartBuy travel/shopping, each capped at 15,000 points/month – among the highest accelerated ceilings available.
+Unlimited complimentary domestic and international lounge access via Priority Pass for the cardholder.
+Best-in-class travel insurance: ₹3 Crore air accident cover and ₹50 Lakh emergency overseas hospitalization, plus unlimited golf and a global concierge.
+ITC Hotels book-1-night-get-1-free (up to 4x/year), up to 40% dining discounts, and a low 2% forex markup.
What we don't
–Steep ₹12,500 joining and annual fee, with a high ₹10 Lakh annual spend needed to waive renewal.
–Base Reward Points are valued at only ₹0.3 outside of optimal redemption (₹1 best value is redemption-dependent).
–Invite-only / very high eligibility; a 1% fee applies on all rent payments.
–Monthly accelerated cap of 15,000 points limits the very heaviest SmartBuy spenders.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
High-net-worth traveller

Affluent spenders who will use unlimited Priority Pass lounges, ITC stays, golf and the ₹3 Crore insurance to justify the ₹12,500 fee.

+
SmartBuy power user

Those who funnel ₹1.5 Lakh+ monthly through SmartBuy for 10X vouchers and 5X travel, capped at a generous 15,000 points/month.

Probably not for

Skip
–
Low-to-moderate spender

Anyone unable to reach ₹10 Lakh annual spend will pay ₹12,500 yearly without a waiver, eroding the value.

–
Rent-heavy user

The 1% fee on every rent transaction with no rewards makes large rent routing uneconomical.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹12,500
Net Value (Year 1)₹-12,500
Net Value (Year 2+)₹-12,500
Progress to fee waiver0%

Spend ₹10,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

Infinia Metal Edition offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
SmartBuy (Travel)
7.5%
SmartBuy (Hotel)
15%
SmartBuy (Shopping)
15%
SmartBuy (GyFTR / Woohoo) (Shopping)
4.5%
SmartBuy (Travel)
4.5%

Welcome Offer

12,500 Reward Points

Fees & Charges

Joining fee₹12,500
Annual fee₹12,500
Fee waiverSpend > ₹10,00,000

Eligibility

  • Min Income: ₹45 Lakhs
  • Invite-only super-premium card; no published income threshold; requires high relationship value or ₹18 lakh annual spend on an existing HDFC premium card; Visa Infinite network.

Exclusions & Terms

Forex markup

  • Foreign currency markup

EMI Conversion (EasyEMI)

  • Spends converted to EMI at point of sale or post-purchase do not earn Reward Points.

Frequently Asked Questions

2 data-backed answers from our card database

What is the annual fee of the HDFC Infinia?+

The HDFC Infinia has an annual fee of ₹12,500, waived on annual spends of ₹1,000,000.

What rewards does the HDFC Infinia offer?+

It earns Reward Points, with accelerated earning on Travel, Shopping.

Ready to apply?

₹12,500 annual fee. Apply on the HDFC Bank website.

Apply on HDFC Bank →

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Already have this card?See the best way to redeem Infinia Metal Edition points — channel by channel, valued in ₹.

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