HDFC Bank
HDFC Bank Infinia Metal Credit Card
Data last verified: 24 October 2026
- Joining fee₹12,500 + GST
- Annual fee₹12,500 + GST
- Reward rate3.3% on most spends; 16.5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹12,500 + GST
- Annual fee₹12,500 + GST
- Fee waiverOn ₹10 lakh spend a year
- Forex markup2%
- Interest (APR)1.99% a month, 23.88% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹1,000 a month
01HDFC Bank Infinia Metal Credit Card Rewards and Benefits
02HDFC Bank Infinia Metal Credit Card Annual Fee and Charges
- Joining fee
- ₹12,500 + GST
- Annual fee
- ₹12,500 + GST
- Spend-based waiver
- Annual fee waived on ₹10 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 2%
- Interest rate
- 1.99% a month (23.88% a year)
- Fuel surcharge waiver
- No
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 3.3%₹660
- Back each month, ₹7,920 a year₹660
- Annual fee with 18% GST−₹14,750
- It costs you each year₹6,830
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹83,333 or more a month: the ₹14,750 fee is waived
- Frequent flyers: unlimited airport lounge visits
- Spending abroad: 2% markup, most cards add 3.5%
Skip it if…
- you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you sometimes pay only the minimum due: interest of 1.99% a month (23.88% a year) outweighs any reward
04How HDFC Bank Infinia Metal Credit Card earns Rewards
3.3% on most spends; 16.5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 3.3% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 16.5% | ₹3,000 | Only at: HDFC SmartBuy brand vouchers (GyFTR, Woohoo)Terms: 5X Reward Points on GyFTR/Woohoo brand vouchers bought on SmartBuy (~16.5%). The accelerated points cap at 3,000 a month, inside the 15,000 SmartBuy cap; base points keep earning after that. |
| Dining and food delivery | 3.3% | No cap | The card's normal rate |
| Groceries | 3.3% | ₹2,000 | All merchants in the categoryTerms: 5 Reward Points per ₹150 (~3.3%), capped at 2,000 points a calendar month on grocery since 1 Jan 2023 (HDFC Infinia rewards T&C §12b) |
| Travel: flights, hotels, trains | 3.3% | No cap | Anywhere else in the category |
| Travel: flights, hotels, trains, only at listed merchants | 16.5% | ₹15,000 | Only at: HDFC SmartBuyTerms: 5X Reward Points on SmartBuy flights and buses (~16.5%), 10X on hotels (~33%); 1 point = ₹1. HDFC caps the accelerated points at 15,000 a month across all SmartBuy, vouchers included; base points keep earning. Brand vouchers have their own row. |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 3.3% | ₹2,000 | All merchants in the categoryTerms: 5 Reward Points per ₹150 (~3.3%), capped at 2,000 points a month on utility bills since 1 Sep 2024 (HDFC Infinia rewards T&C §15a) |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 3.3% | ₹10,000 | All merchants in the categoryTerms: 5 Reward Points per ₹150 (~3.3%), capped at 10,000 points a month on insurance since 1 Jul 2025 (HDFC Infinia rewards T&C §5) |
| School and college fees | 3.3% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 3.3% | No cap | The card's normal rate |
| Everything else | 3.3% | No cap | The card's normal rate |
Terms on the base rate. 5 Reward Points per ₹150 on all spends (~3.3%); 1 point = ₹1 on SmartBuy flight/hotel redemptions. Grocery, utility and insurance now carry their own capped rows above; telecom has no SpendCategory to carry it. The card as a whole earns at most 2,00,000 points a cycle.
05HDFC Bank Infinia Metal Credit Card Lounge Access and Travel
Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Unlimited domestic and international lounge access via complimentary Priority Pass membership, for the primary cardholder and add-on cardholders alike. Spending abroad carries a 2% forex markup; rewards on it: 3.3% back (the normal rate). See what it costs on your trip
Also on the card. concierge service, golf privileges, hotel membership, insurance cover, airport lounge access.
- Concierge service: 24x7 lifestyle and travel concierge service
- Golf privileges: Unlimited complimentary golf games and lessons, with a 100% green fee waiver at leading courses across India and select courses worldwide
- Hotel membership: Complimentary Club Marriott membership for the first year, giving discounts on dining and stays across Marriott properties in Asia-Pacific
- Insurance cover: Accidental air death cover of ₹3 crore, emergency overseas hospitalisation up to ₹50 lakh, and credit liability cover up to ₹9 lakh
06Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Jul 2026 | Reduced: SmartBuy brand-voucher earning capped at 3,000 RP/moSource: HDFC Bank | Full 15,000 RP a month via vouchers | 3,000 RP a month via Brand Vouchers |
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 1 Apr 2026 | Reduced: Retention tightened, ₹18L spend or ₹50L relationshipSource: HDFC Bank | No published spend or relationship test for continued access | ₹18 lakh card spend OR ₹50 lakh relationship value |
| 16 Jan 2026 | Changed: Gyftr voucher cut (5X→3X) announced, then reversed | 5X on Gyftr vouchers | 5X retained (change withdrawn) |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
See this card's change history → · All card changes in July 2026 →
07Cards Similar to HDFC Bank Infinia Metal Credit Card
HDFC Bank Infinia Metal Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC Bank Infinia Metal Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹12,500 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹12,500 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 3.3% on most spends; 16.5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Unlimited | 2 visits a year | Not included |
| Forex markup | 2% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
08Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your HDFC Bank Infinia Metal Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
What is the joining fee for the HDFC Bank Infinia Metal Credit Card?
The joining fee is ₹12,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC Bank Infinia Metal Credit Card?
The annual fee is ₹12,500 + GST.
Does the HDFC Bank Infinia Metal Credit Card give airport lounge access?
Yes. Domestic lounge access is unlimited, international is unlimited, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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