HDFC Infinia Metal Edition Credit Card Review
Travel card
The HDFC Infinia Metal Edition has a ₹12,500 annual fee + GST, waived on ₹10,00,000 annual spend. It earns 1% back on regular spends and up to 15% on SmartBuy, with complimentary airport lounge access. Best for: affluent high-spenders and smartbuy maximizers — our verdict: highly recommended.
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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.
Travel card
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.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealAffluent spenders who will use unlimited Priority Pass lounges, ITC stays, golf and the ₹3 Crore insurance to justify the ₹12,500 fee.
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
SkipAnyone unable to reach ₹10 Lakh annual spend will pay ₹12,500 yearly without a waiver, eroding the value.
The 1% fee on every rent transaction with no rewards makes large rent routing uneconomical.
Is It Worth It For You?
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Reward Rates
Infinia Metal Edition offers 1% basic reward rate.
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Welcome Offer
Fees & Charges
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
8 data-backed answers from our card database
Ready to apply?
₹12,500 annual fee. Apply on the HDFC Bank website.
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