HDFC Infinia Metal
The HDFC Infinia Metal Credit Card is an invite-only super-premium card offering high rewards, unlimited lounge access, travel and shopping benefits, and low forex markup fees.
HDFC Infinia Metal
Intro Offer
12,500 Reward Points, Complimentary Club Marriott Membership
Annual Fees
₹12500
Joining Fees
₹12500
Reward Rate
3.33 - 33.33 %
RewardMatrix Rating
4.8
Card Overview
Intro Offers
12,500 Reward Points
Condition: Upon payment of joining fee.
Complimentary Club Marriott Membership
Condition: First year only.
Fees
₹12.5K
Waived off after spending ₹10L
₹12.5K
2.36%
Eligibility
- #1
Invite-only
HDFC Bank extends invitations based on creditworthiness, financial standing, and existing relationship with the bank. Factors include high annual income (₹5 lakh/month for salaried, ₹60 lakh ITR for self-employed), high TRV (Total Relationship Value), existing premium HDFC card with high limit/spends.
- #2
Age
21 to 65 years.
Reward Points
Total hotel spend on SmartBuy in a month
50.00 Reward Points for every ₹150 spent
Total flight/eVoucher spend on SmartBuy in a month
25.00 Reward Points for every ₹150 spent
Total other spend on SmartBuy in a month
15.00 Reward Points for every ₹150 spent
Total retail spend in a month
5.00 Reward Points for every ₹150 spent
Total insurance spend in a day
5.00 Reward Points for every ₹150 spent
Total utilities spend in a month
5.00 Reward Points for every ₹150 spent
Total telecom spend in a month
5.00 Reward Points for every ₹150 spent
Total grocery spend in a month
5.00 Reward Points for every ₹150 spent
Examples:
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Spend ₹50,000 on retail purchases, ₹20,000 on SmartBuy hotels, ₹30,000 on SmartBuy flights, and ₹10,000 on groceries. You'll earn 333 + 6666 + 5000 + 333 = 12332 Reward Points.
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Spend ₹1,50,000 on insurance in a single day. You'll earn 5000 Reward Points (capped).
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Spend ₹60,000 on utilities. You'll earn 2000 Reward Points (capped).
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Spend ₹1,90,000 on SmartBuy hotels. You'll earn 15000 Reward Points (capped).
Exclusions:
Fuel
EasyEMI
E-wallet Reloading
Rent
Property Management
Government Spends
Education via Third Party Apps
Milestones
Annual fee waived for the next year.
Spend ₹10 Lacs in a card membership year.
Redemptions
AIRLINE PARTNERS
| Airline Partner | Conversion Rate | Multiplier | |
|---|---|---|---|
| SpiceJet | 1 Reward Point = 1 SpiceClub Point | x1 | |
| AirAsia | 1 Reward Point = 1 AirAsia Point | x1 | |
| Finnair | 1 Reward Point = 1 Finnair Plus Point | x1 | |
| Air France-KLM | 1 Reward Point = 1 Flying Blue Mile | x1 | |
| Hainan Airlines | 1 Reward Point = 1 Fortune Wings Club Point | x1 | |
| Vietnam Airlines | 1 Reward Point = 1 LotusMiles Mile | x1 | |
| Air Canada | 1 Reward Point = 0.5 Aeroplan Mile | x0.5 | |
| Avianca | 1 Reward Point = 0.5 LifeMile | x0.5 | |
| Turkish Airlines | 1 Reward Point = 0.5 Turkish Airlines Miles & Smiles | x0.5 | |
| United Airlines | 1 Reward Point = 0.5 MileagePlus Mile | x0.5 | |
| British Airways | 1 Reward Point = 0.5 Avios | x0.5 |
HOTEL PARTNERS
| Hotel Partner | Conversion Rate | Multiplier | |
|---|---|---|---|
| ITC Hotels | 1 Reward Point = 0.5 Club ITC Green Points | x0.5 | |
| Accor Live Limitless (ALL) | 1 Reward Point = 0.5 ALL Point | x0.5 | |
| IHG Hotels & Resorts | 1 Reward Point = 1 IHG One Rewards Point | x1 | |
| Wyndham Hotels & Resorts | 1 Reward Point = 1 Wyndham Rewards Point | x1 |
GIFT VOUCHERS
| Partner Brand | Conversion Rate | Multiplier | |
|---|---|---|---|
| Various Brands | 1 Reward Point = Rs. 0.50 | x0.5 | |
| Tanishq | 1 Reward Point = Rs. 1 | x1 | |
| Apple | 1 Reward Point = Rs. 1 | x1 |
STATEMENT BALANCE
1 Reward Point = Rs. 0.30
Rewards Calculator
Total retail spend in a month (₹)
3.33% rewards
Total hotel spend on SmartBuy in a month (₹)
33.33% rewards
Total flight/eVoucher spend on SmartBuy in a month (₹)
16.67% rewards
Total other spend on SmartBuy in a month (₹)
10.00% rewards
Total insurance spend in a day (₹)
3.33% rewards
Total utilities spend in a month (₹)
3.33% rewards
Total telecom spend in a month (₹)
3.33% rewards
Total grocery spend in a month (₹)
3.33% rewards
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Lounge Access
Unlimited domestic lounge access.
Unlimited international lounge access via Priority Pass.
Discounts
1+1 complimentary buffet at participating ITC Hotels. Maximum one complimentary buffet per booking and one booking per month/card allowed. 15% off up to ₹1,000 twice a month via Swiggy Dineout (minimum bill ₹2,500).
- Advance booking required for ITC buffet via concierge.
- 48-hour prior notice for ITC buffet booking.
1% fuel surcharge waiver
- Transactions between ₹400 and ₹1,00,000.
- Maximum waiver of ₹1,000 per billing cycle.
Insurance Coverage
Air Accident Death Cover
Emergency Overseas Hospitalization
Credit Shield
Other Features
Concierge Services
- Travel reservations
- Airport VIP services
- Golf bookings
- Private dining arrangements
- International gift delivery
- Event planning
EMI Conversion
Available with processing fee; No Cost EMI options may have hidden charges.
Fraud Protection
Lost Card Liability: Cover up to Rs 9 L available for Primary Card Holder. After the receipt of proper notification of the loss by the bank, your subsequent liability is zero.
Pros & Cons
High reward rate
Earn 5 Reward Points per ₹150 spent (3.33%) on most retail purchases and up to 10X points (33%) via SmartBuy.
Unlimited lounge access
Unlimited complimentary domestic and international lounge access via Priority Pass for primary and add-on cardholders.
Travel and hotel benefits
Exclusive benefits with ITC Hotels (2+1 night stays, 1+1 buffet) and Club Marriott (first year complimentary membership).
Low forex markup
2% + GST (~2.36%) forex markup fee.
Golf privileges
Unlimited complimentary golf games and coaching at select courses in India and abroad.
Concierge services
24/7 global concierge assistance.
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Invite-only
Card availability is limited to those who receive an invitation from HDFC Bank.
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High annual fee
₹12,500 annual fee may be prohibitive for some.
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Club Marriott membership
Complimentary only for the first year; no spend-based renewal option.
Who should get this card
High-net-worth individuals who are frequent travelers, value lounge access and premium travel experiences, spend significantly on retail purchases (especially via SmartBuy), appreciate exclusive benefits (golf, dining), and are comfortable with a high annual fee in exchange for substantial rewards.
