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HDFC Bank INFINIA Metal Edition Credit Card

Name: HDFC Bank INFINIA Metal Edition Credit Card
Brand: HDFC Bank
Price: 12500 INR
Availability: InStock

HDFC Bank

Joining Fee₹12,500Renewal Fee₹12,500Waived at ₹10,00,000 annual spend

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Last verified: 24 Sept 2026

Reward Program

HDFC Bank Reward Points1 point = ₹1.00

Category	Earn Rate	Monthly Cap
Shopping and vouchers on HDFC Bank SmartBuy	33.33%	₹15,000/monthly
HDFC SmartBuy - flight bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input flights)	16.65%	₹15,000/monthly
HDFC SmartBuy - hotel bookings (channel, not an MCC: merchant hdfc-smartbuy-travel, input hotels)	33.3%	₹15,000/monthly
All other spends	3.33%	No cap

Redemption fee: 99

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Managed via HDFC Bank SmartBuy, HDFC Bank NetBanking

Transfer partners

Apple products and Tanishq vouchers purchased via SmartBuy — 1 Reward Point = ₹1. The strict Rule 5 maximum and the basis for every percentage in this file. Apple is limited to ONE product per calendar quarter and Tanishq to 50,000 Reward Points per calendar quarter, both w.e.f. 1 October 2024, and points can cover at most 70% of the bill.Flights and hotel bookings via SmartBuy — 1 Reward Point = ₹1, the same top rate on a far broader base. Capped at 1,50,000 Reward Points per calendar month, and points may cover at most 70% of the booking.Airmiles conversion — up to 1 Airmile per Reward Point. Note that Turkish Miles&Smiles, Accor and Avianca LifeMiles convert at 2 Reward Points to 1 Loyalty Point, w.e.f. 15 January 2024, so those three are half rate.Products and vouchers via SmartBuy or NetBanking — up to ₹0.50 a point, half the headline rate.Cashback against statement balance — up to ₹0.30 a point, and capped at 50,000 Reward Points per calendar month. Under a third of the top rate.

Live Offers

315 active

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Benefits

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Lounge Access

999 domestic visits/quarter

999 international visits/quarter

UNLIMITED complimentary domestic airport lounge access in India, and UNLIMITED complimentary international lounge access outside India through Priority Pass at 1,000+ lounges — both for PRIMARY AND ADD-ON cardholders, which is rarer than the unlimited access itself. 999 is the sentinel for unlimited; a calculator must not read it as a number.

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Fuel Surcharge Waiver

A 1% fuel surcharge waiver applies, but fuel earns NO Reward Points on this card. Note also HDFC's own 1% fee on fuel transactions above ₹15,000, capped at ₹4,999 per transaction, w.e.f. 1 October 2025.

₹12,500🎁

Welcome Benefit

12,500 Reward Points, worth ₹12,500 at the SmartBuy rate

Credited on realisation of the joining fee and activation of the card.

Complimentary Club Marriott membership for the first year.

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Annual Benefit

Complimentary Club Marriott membership

The Club Marriott membership is stated for the first year. HDFC publishes no rupee value for it, so annual_benefit_value is 0 rather than a guess. The renewal fee waiver at ₹10 lakh is the substantive recurring benefit.

Reward Calculator

Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.

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What this card is worth

Open a section and enter what you actually spend. Everything updates as you type.

Fees & Charges

Joining Fee	₹12,500/yr
Renewal Fee	₹12,500/yr
Fee Waiver	Spend ₹10,00,000/year
Forex Markup	3.5%
Interest Rate	45% p.a.
Cash Advance Fee	2.5% of the amount withdrawn, subject to a minimum of ₹500.
Reward Redemption Fee	99

In the News

Priya Menon · 11d ago

HDFC Bank INFINIA Metal Review 2026: 3.33% Base, SmartBuy 10X, Unlimited Lounge & FAQs

HDFC INFINIA Metal charges ₹12,500 and earns 5 Reward Points per ₹150 at ₹1 a point — a 3.33% base rate, the highest on any Indian card. Full SmartBuy cap maths, the 2026 voucher sub-cap, fees and FAQs.

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