The HDFC Infinia Credit Card Metal Edition is one of the most powerful and feature-rich super-premium credit cards in India. Known for its high reward rates, unlimited lounge access, generous travel privileges, and concierge services, the card is offered on an invite-only basis, making it as exclusive as it is rewarding.
This card is designed for individuals with significant annual spending, and it offers substantial returns across everyday transactions, travel bookings, and luxury experiences. With a reward rate ranging from 3.3% on regular spends to as high as 33.3% on SmartBuy purchases, the Infinia Credit Card is a top-tier option for those who optimise their spending habits.
Card Overview
| Parameter | Details |
| Card Name | HDFC Infinia Credit Card Metal Edition |
| Card Type | Super Premium – Invite Only |
| Joining/Annual Fee | ₹12,500 + GST |
| Welcome Bonus | 12,500 Reward Points (Value: ₹12,500) |
| Renewal Bonus | 12,500 Reward Points |
| Fee Waiver | Spend ₹10 Lakhs in 12 months to waive next year’s fee |
| Reward Rate | 3.3% (regular), up to 33.3% (SmartBuy) |
| Lounge Access | Unlimited (domestic and international for primary and add-on holders) |
| Forex Markup | 2% |
The Metal Edition of the Infinia card is crafted with a sleek, solid metal finish, adding to its premium aesthetic. While the design is subjective, the metal form factor gives the card a premium, weighted feel often associated with ultra-high-end global credit cards.
This is more than just a visual upgrade. It signals the cardholder’s lifestyle and spending capability, aligning with the card’s super-premium positioning.
The HDFC Infinia Metal Edition is packed with lifestyle and travel-oriented features. Here’s a breakdown of the key inclusions:
Lounge Access
- Unlimited access to airport lounges in India via Visa/MC networks.
- Unlimited global access through Priority Pass, extended to add-on cardholders.
- Works in most major international airports and premium domestic lounges.
Golf Privileges
- Unlimited complimentary golf rounds and coaching sessions.
- Access to 20+ top golf courses in India and 100+ abroad.
- Concierge booking required; one slot can be held at a time.
Dining Benefits
- Club Marriott membership for one year, offering up to 20% discounts on dining and stays across Asia-Pacific.
- 1+1 buffet offers at ITC Hotels.
- 10% extra discount at 35,000+ restaurants via Swiggy Dineout when paying with HDFC credit cards.
Insurance Coverage
- ₹3 Crore Air Accident Cover.
- ₹50 Lakh emergency overseas hospitalisation.
- ₹9 Lakh credit shield protection.
Concierge & Other Services
- 24×7 global concierge assistance.
- Airport VIP meet-and-greet services, itinerary planning, private dining, and event arrangements.
Forex Markup
- Foreign currency markup of just 2%, which is among the lowest in the super-premium segment.
Reward Point System
The HDFC Infinia Credit Card has one of the most rewarding and flexible point systems in the market.
Regular Spends
- 5 Reward Points per ₹150 spent, which translates to a base reward rate of 3.3%.
SmartBuy Program
When using the card via HDFC SmartBuy — HDFC’s rewards portal — you earn accelerated reward points on select categories:
| Spend Category | Reward Multiplier | Reward Rate |
| Flights/Hotels (SmartBuy) | 10X | 33.30% |
| Gift Vouchers (SmartBuy) | 5X | 16.50% |
| Other SmartBuy categories | 3X–10X | 10%–33.3% |
SmartBuy Reward Cap:
- 15,000 bonus RPs per calendar month (capped under 10X SmartBuy)
Excluded Transactions
No reward points on:
- Fuel
- EMI transactions
- Wallet loads
- Rent payments
- Utility bills via third-party apps
- Government payments
Reward Redemption
Redemption is where Infinia truly shines:
| Redemption Mode | Value per RP |
| Flights/Hotels via SmartBuy | ₹1 = 1 RP |
| Apple Products / Tanishq | ₹1 = 1 RP |
| Airmiles (via NetBanking) | 1 RP = 1 Airmile |
| Shopping Vouchers | ₹0.50 per RP |
| Cashback | ₹0.30 per RP |
Maximum redemption allowed is 70% of the booking value using points; the remaining 30% must be paid via card, which in turn earns more reward points.
How Much Can You Earn with This Card?
Now let’s calculate the annual reward earning potential based on a realistic spending pattern for a high-income individual — someone who can make full use of both the base rewards and SmartBuy multipliers.
Sample Monthly Spend Pattern
| Category | Monthly Spend | Annual Spend |
| Retail/Shopping (General) | ₹50,000 | ₹6,00,000 |
| Flights/Hotels via SmartBuy | ₹25,000 | ₹3,00,000 |
| Dining | ₹10,000 | ₹1,20,000 |
| Insurance/Utilities | ₹10,000 | ₹1,20,000 |
| Total | ₹95,000 | ₹11,40,000 |
Reward Points Earned
| Category | Reward Rate | Points Earned |
| General Spend | 5 RP/₹150 = 3.3% | 20,000 RP |
| Travel via SmartBuy (10X) | 33.30% | 66,666 RP |
| Dining & Utilities | 5 RP/₹150 = 3.3% | 8,000 RP |
| Total | — | 94,666 RP |
Add:
- Welcome or Renewal Bonus = 12,500 RP
Total Reward Points in One Year = 1,07,166 RP
Redeemed via SmartBuy at ₹1 per RP = ₹1,07,166 in monetary value
Additional Lifestyle Value (Estimates)
Beyond reward points, here are tangible values a cardholder can unlock:
| Benefit | Estimated Annual Value |
| Airport Lounge Access (25 visits) | ₹30,000–₹35,000 |
| Golf Privileges (6–8 rounds) | ₹20,000–₹25,000 |
| Dining/Club Marriott | ₹20,000–₹30,000 |
| Insurance & Concierge Access | Varies (high value for frequent travellers) |
Overall Value Summary
| Benefit Component | Value (Annual) |
| Reward Points (via SmartBuy) | ₹1,07,166 |
| Lounge, Dining, Golf, Concierge | ₹75,000–₹90,000 |
| Total Annual Value | ₹1.8 Lakhs to ₹2 Lakhs+ |
Even after deducting the ₹12,500 annual fee, the cardholder walks away with net value exceeding ₹1.6 Lakhs per year, provided the card is used strategically.
The HDFC Infinia Credit Card Metal Edition is built for those who spend big and prefer a lifestyle backed by convenience, comfort, and rewards. While the entry is exclusive and the annual fee is high, the returns — when used optimally — are exceptional.
With up to 33.3% returns on SmartBuy and unmatched lifestyle privileges like unlimited lounge access, global concierge, golf, and fine dining, this card justifies its super-premium label.
If you’re someone who consistently spends ₹10L+ annually, books travel online, and values rewards over cashback, this card can easily deliver 2X to 3X value over its cost.
Disclaimer: The information provided in this article is for general educational and informational purposes only. The features, reward structures, and benefits of the HDFC Infinia Credit Card are based on publicly available data as of the time of writing and may be subject to change by the bank without prior notice. Readers are advised to verify details with HDFC Bank or consult financial advisors before making any credit card decisions. The author and publisher do not assume any liability for financial losses or inaccuracies resulting from the use of this content.
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