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HDFC Bank

HDFC Bank INFINIA Credit Card Metal Edition

5 reward points per ₹150: about 3.3% back if you use the points for flights and hotels on HDFC SmartBuy (₹1 a point), or up to 1% as statement credit (up to ₹0.30 a point). Up to 10 times the points on travel and shopping through SmartBuy, within 15,000 bonus points a month. Fuel, rent, wallet loads and government payments earn nothing.

  • ₹12,500 joining, ₹12,500 a year
View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.

Pros and cons

Good

  • 3.33% on groceries, well above the 2% the best free card pays
  • Airport lounge visits with no published spend condition
  • Low forex markup (2%)

Watch out for

  • Fee is hard to recover: about ₹78,300 a month of groceries to break even
  • By invitation only: the bank invites customers, so you can't apply directly
  • High joining fee: ₹12,500 up front
  • Earns nothing on fuel, wallet loads, rent and government payments
Who it's for
People who spend about ₹78,300 or more a month on groceries and use airport lounges.
Skip it if
You spend under ₹78,300 a month on groceries, or you need a card for UPI.

Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.

Rewards (value back as % of spend)

Everyday spends
3.33% (base rate)
Online shopping
3.33%
Fuel
0%
Groceries
3.33%
Travel
3.33%
Bills and utilities
3.33%
Dining and food delivery
3.33%

Fees and charges

Joining fee
₹12,500
Annual fee
₹12,500
Fee waiver
Renewal fee waived if you spend ₹10 lakh or more in the 12 months before your renewal date. Paying the joining fee, and each renewal fee, earns 12,500 reward points (worth ₹12,500 on HDFC SmartBuy flights and hotels). No joining fee waiver is offered.
Forex markup
2%
Fuel surcharge waiver
1% waiver on fuel transactions of ₹400 to ₹1 lakh, capped at ₹1,000 per statement cycle. Fuel earns no points, and HDFC Bank charges a 1% fee on single fuel transactions above ₹15,000.

Benefits and eligibility

Airport lounge
Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and each add-on cardholder, with no spend condition. Add-on cardholders need their own Priority Pass abroad, and guests pay $27 plus GST a visit.
Card network
Not published by the bank
UPI payments
No
Minimum income (salaried)
Not published by the bank
Eligibility
By invitation only: HDFC Bank picks customers and tells them if they qualify, and publishes no income or age criteria. From April 2026, keeping the card needs ₹18 lakh of card spend in a financial year (primary and add-on cards together) or ₹50 lakh of average balances with HDFC Bank; otherwise the bank offers a different card or closes it with 30 days' notice.

Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.

Compare it with other cards

Ready to apply for the HDFC Bank INFINIA Credit Card Metal Edition?

View on HDFC Bank siteBy invitation only: the bank invites customers. Issuer's site. We don't earn from this card.

CreditParakh is not a bank or lender. Approval, limits and final terms are decided by HDFC Bank.

Related guides

What changed recently

  1. Reward capsWorse for you

    Brand vouchers bought through HDFC SmartBuy now earn at most 3,000 extra points a month, within the unchanged 15,000-point monthly limit on SmartBuy extra points.

    After: 3,000 extra points a month on SmartBuy brand vouchers

    Bank's notice or terms
  2. FeesWorse for you

    Markup on rupee-billed payments abroad or at foreign-registered merchants (dynamic currency conversion) rose from 1% to 1.75%.

    Before: 1% · After: 1.75%

    The 1% figure is from the card's rewards terms, which haven't been updated.

    Bank's notice or terms
  3. FeesWorse for you

    Replacing a lost, stolen or damaged metal card now costs ₹3,500.

    Before: ₹100 · After: ₹3,500

    The card's fees page still lists ₹100.

    Bank's notice or terms
  4. OtherWorse for you

    Keeping the card now needs ₹18 lakh of card spend in a financial year or ₹50 lakh of average balances with HDFC Bank; cardholders who fall short are offered another card or have it closed with 30 days' notice.

    After: ₹18 lakh card spend a financial year or ₹50 lakh relationship value

    Bank's notice or terms

All card changes, month by month

Questions people ask

Is the HDFC Bank INFINIA Credit Card Metal Edition worth it in 2026?

By invitation only. Yes, if you spend about ₹78,300 or more a month on groceries and use airport lounges. Below that, the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) pays 2% for free. The catch: by invitation only: the bank invites customers, so you can't apply directly.

Is the HDFC Bank INFINIA Credit Card Metal Edition lifetime free?

No. It costs ₹12,500 to join and ₹12,500 a year, plus GST. Renewal fee waived if you spend ₹10 lakh or more in the 12 months before your renewal date. Paying the joining fee, and each renewal fee, earns 12,500 reward points (worth ₹12,500 on HDFC SmartBuy flights and hotels). No joining fee waiver is offered.

Does the HDFC Bank INFINIA Credit Card Metal Edition work on UPI?

No. Only RuPay credit cards can be linked to UPI, and this isn't one.

Does the HDFC Bank INFINIA Credit Card Metal Edition give airport lounge access?

Unlimited lounge visits in India by swiping the card and unlimited visits abroad through Priority Pass, for the primary cardholder and each add-on cardholder, with no spend condition. Add-on cardholders need their own Priority Pass abroad, and guests pay $27 plus GST a visit.

What earns no rewards on the HDFC Bank INFINIA Credit Card Metal Edition?

No reward points on fuel, wallet loads, rent and property-management payments (maintenance, packers and movers), government payments, EasyEMI purchases, purchases later converted to EMI (points are taken back), online skill-gaming, and education fees paid through third-party apps such as CRED or Cheq (paying the school or college directly still earns). Points are earned only on each full ₹150 spent.

Is there a limit on rewards with the HDFC Bank INFINIA Credit Card Metal Edition?

Grocery earns at most 2,000 points a calendar month (₹2,000 at ₹1 a point), reached at ₹60,000 of grocery spend. Utility bills earn at most 2,000 points a calendar month. Phone and telecom bills earn at most 2,000 points a calendar month, separate from the utility limit. Insurance premiums earn at most 10,000 points a month. Insurance isn't one of the spend types we rate. The extra points for shopping and travel through HDFC SmartBuy are capped at 15,000 a month, of which at most 3,000 can come from brand vouchers bought on SmartBuy. At most 2,00,000 points can be earned in a statement cycle.

Who can get the HDFC Bank INFINIA Credit Card Metal Edition?

By invitation only: HDFC Bank picks customers and tells them if they qualify, and publishes no income or age criteria. From April 2026, keeping the card needs ₹18 lakh of card spend in a financial year (primary and add-on cards together) or ₹50 lakh of average balances with HDFC Bank; otherwise the bank offers a different card or closes it with 30 days' notice. Approval is at the bank's discretion.

How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.

Last verified 19 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.