HDFC Bank Infinia Credit Card Metal Edition
The Gold Standard of Credit Cards
Annual Fee
₹12,500
Base Rewards
1.0%
Forex Fee
3.5%
Expert Verdict
HDFC Infinia Metal remains the most coveted credit card in India due to its consistent 3.33% reward rate and exceptional travel perks. It offers a seamless luxury experience with unlimited lounge access and a robust rewards ecosystem.
Quick Match
Is this card right for you?
Consider other options
Your Estimated Value
Year 1
+₹6,000
Includes ₹12,500 bonus
Year 2+
₹6,500
Why get this card
Industry-leading base reward rate of 3.33% on almost all retail spends
Unlimited domestic and international lounge access for both primary and add-on cardholders
1:1 redemption ratio for flights, hotels, and air miles via SmartBuy portal
Watch out for
Strictly invite-only with very high income and relationship requirements
High annual fee waiver threshold of ₹10 Lakhs compared to other premium cards
Monthly capping on accelerated rewards via SmartBuy (15,000 RP)
Who is this card for?
Best for
high spender
Individuals spending over ₹10 Lakhs annually to maximize rewards and waive the annual fee.
Min: ₹1,00,000/mo
frequent traveler
Travelers who value unlimited lounge access and 1:1 point-to-mile conversion.
Min: ₹50,000/mo
Skip if you're
low spender
Users spending less than ₹8-10 Lakhs annually will find the ₹12,500 fee hard to justify.
Base Earning
5 Reward Points
per ₹150 spent
1.0%
effective rate
Point value: ₹0.30/point
Bonus Categories
SmartBuy - TRAVEL
5×
5% return
15000 pts/month
SmartBuy - SHOPPING
10×
10% return
15000 pts/month
Welcome Offer
Complimentary Club Marriott membership for the first year.
12,500
points
₹12,500
value
within 90 days
Milestones
Spend ₹10.0L
Waiver of renewal fee (₹12,500) on spending ₹10 Lakhs in a year.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank