HDFC Bank INFINIA Metal Credit Card- Important Fees & Charges (Latest)
| Fee Type | Charges |
| Joining Fee | ₹12,500 + GST |
| Annual Fee | ₹12,500 + GST |
| Annual Fee Waiver | Spend ₹10 lakh in a year |
| Interest Rate | Around 1.99% per month |
| Foreign Currency Markup | 2% on international transactions |
| Cash Advance Fee | 2.5% or ₹500 (whichever is higher) |
| Late Payment Charges | Based on the outstanding amount |
| Fuel Surcharge Waiver | 1% waiver (conditions apply) |
HDFC Bank INFINIA Metal Credit Card Pros and Cons
For your better understanding, the pros and cons of a credit card are given below.
Pros |
Cons |
| High reward points on spending | High annual fee |
| Airport lounge access (India + international) | Strict eligibility / mostly invite-only |
| Premium metal design and luxury benefits | Not ideal for cashback lovers |
| Extra rewards via SmartBuy platform | Best value only for high spenders |
| Travel and lifestyle privileges | May feel expensive for beginners |
HDFC INFINIA Metal Credit Card eligibility criteria
According to HDFC Bank, the INFINIA Metal Credit Card is invite-only, so you cannot usually apply for it yourself. The bank chooses customers based on their overall profile and existing relationship with HDFC. They do not publicly state any fixed salary, income, or credit score requirements, and final approval is at the bank’s discretion.
HDFC INFINIA Metal Credit Card Rewards and Benefits
This card offers great benefits and rewards that enhance the value of your travel and spending. Let’s take a closer look at all the benefits and rewards this card offers.
Welcome Benefits
When you get the card, you receive a complimentary Club Marriott membership for the first year, which gives you hotel and dining perks. You also get a welcome bonus of 12,500 reward points.
Travel Benefits
With this card, you and your add-on cardholders can use airport lounges for free, both in India and abroad. It also gives hotel benefits. And, at selected ITC hotels, you can stay for 3 nights but only have to pay for 2 nights.
Lifestyle Benefits
If you enjoy premium experiences, the card includes unlimited golf lessons and games globally. There’s also a 24×7 personal concierge service that can help with bookings, reservations, or special requests anytime.
Reward Benefits
You earn reward points on your everyday spending 5 reward points for every ₹150 spent. When you use SmartBuy, you can earn higher rewards, up to 10× points.
Dining Benefits
The card includes dining perks like 1+1 buffet offers at selected ITC hotels and up to 25% discounts on dining and stays across Asia-Pacific through the Club Marriott membership.
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HDFC INFINIA Metal Credit Card Review
The HDFC INFINIA Metal Credit Card is a premium card designed for frequent travellers who regularly spend on luxury experiences. It gives good reward points, airport lounge access, hotel and dining offers, golf benefits, and a personal assistant service. If you travel often and use these benefits, the card can give good value and make your experience more comfortable.
But this card is not for everyone, as it is invite-only, and many benefits are useful only to frequent travellers or high spenders. If you don’t travel much or don’t use premium services, you may not get full value from it. So, it is best for people who regularly use its travel and lifestyle features.
FAQs
Is the HDFC INFINIA Metal Credit Card invite-only?
Yes, this card is usually offered by invitation. The bank selects eligible customers based on their overall profile and relationship with HDFC.
How to earn rewards with this card?
Everyday shopping earns reward points, and shopping and travel using SmartBuy give even more rewards.
Does the card provide access to airport lounges?
Yes, you and add-on cardholders will receive unlimited access to airport lounges worldwide.
Who is this card designed for?
People who travel a lot, like to spend money for premium benefits, or use perks such as dining or travel deals, and lifestyle services.