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REWARD POINTS CARD

HDFC Bank Infinia Metal Credit Card

HDFC Bank

Invite-only metal card earning Reward Points on retail spends, with unlimited domestic and Priority Pass lounge access, golf lessons and games, a 24x7 global concierge and first-year Club Marriott membership.

Fee ₹12,500 plus taxes; waived on renewal with ₹10 lakh annual spend. No Reward Points on fuel, rent or government spends. From 1 Apr 2026, programme access needs ₹18 lakh card spends or ₹50 lakh relationship value a year.

HDFC Bank Infinia Metal Credit Card
ANNUAL FEE
₹12,500
JOINING FEE
₹12,500
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Earns 5 Reward Points per ₹150 on retail spends, with unlimited complimentary airport lounge access for primary and add-on cardholders.
BEST FOR
Included: Invited cardholders with high annual spends on retail, travel and SmartBuy who would use lounges.
Included: May suit high-spend cardholders who route travel and shopping spends through SmartBuy.
Included: May suit frequent flyers who value airport lounge access in India and abroad.
Included: May suit golfers and hotel diners who would use the golf programme, ITC buffet offer or Club Marriott discounts.
Limitation: Spends concentrated on fuel, rent, government or other no-earn categories may wish to compare other cards.
Limitation: Those who prefer a card without an annual fee may wish to compare other cards.
Limitation: Those whose spends are mainly on fuel, rent or government payments may wish to compare other cards.
Limitation: Those not invited by the bank may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward Points expire 3 years from accumulation and are nullified if the card is unused for more than 365 days.
Condition: From 1 Apr 2026, continued Infinia programme access needs ₹18 lakh annual card spends or ₹50 lakh relationship value; otherwise the bank may offer another variant.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹12,500
Annual / renewal fee
₹12,500
Fee waived at
₹10,00,000 in a year before renewal date (₹8,00,000 if sourced before 18 Oct 2021); excl. cash withdrawal, balance transfer, cash on call
Forex markup
2%
Finance charge
1.99% per month
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Unlimited — Unlimited complimentary visits for primary and add-on cardholders · Access by swiping the card at the lounge terminal; ₹2 is debited and later reversed as confirmation of access
International airport lounge
Unlimited — Unlimited complimentary Priority Pass access for primary and add-on cardholders · Add-on cardholders need their own Priority Pass, else treated as a guest; guest visits charged USD 27 + GST per guest per visit
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Domestic: Infinia Credit Card Lounge Access Program; outside India: Priority Pass
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400 to ₹1,00,000; max waiver ₹1,000 per statement cycle
Dining
1+1 complimentary buffet at participating ITC hotels; up to 25% off dining with first-year Club Marriott membership
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No Reward Points on fuel, rent, government payments, wallet loading, EasyEMI, SmartEMI conversions or online skill-based gaming; education via third-party apps such as CRED also excluded; Fuel; rent and property management; government transactions; EasyEMI and e-wallet loading; SmartEMI-converted spends; online skill-based gaming; education via third-party apps (CRED, Cheq, MobiKwik)
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Earns 5 Reward Points per ₹150 on retail spends, with unlimited complimentary airport lounge access for primary and add-on cardholders.
Included: Unlimited complimentary domestic airport lounge access, plus Priority Pass access outside India, for primary and add-on cardholders.
Included: Unlimited complimentary golf lessons and games, with a 100% green fee waiver at select golf courses worldwide.
Included: 24x7 Global Personal Concierge for itinerary planning, private dining assistance, gift delivery, event planning and airport VIP service.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.