HDFC Infinia Metal
by HDFC Bank · Data verified 2 days ago
India's most premium metal credit card with 5 RP per ₹150, 10X via SmartBuy, 1:1 airmiles, unlimited lounge access, Club Marriott membership, ITC hotel benefits, and 24/7 concierge. By invite only.
How Much Can You Earn?
Calculate your potential rewards with this card
Your Annual Benefits
You save per year!
What's Great
- 5X rewards on all spend (10X via SmartBuy)
- Unlimited domestic & international lounge access
- Transfer ratio is 2:1 (2 reward points = 1 mile) for most partners
- Golf at 100+ courses worldwide
- ₹10 Lakh fee waiver (spend ₹10L/year for renewal fee waiver)
- Complimentary Club Marriott membership
- Milestone benefit is ₹2,500 credit on ₹10L annual hotel spend
Things to Consider
- By invitation only — cannot apply directly
- High annual fee of ₹12,500 + GST
- Fee waiver requires ₹10 Lakh annual spend
- Forex markup of 2% on international transactions
- SmartBuy voucher rewards reduced from 5X to 3X (effective January 16, 2026)
- Reward points expire after 3 years if not redeemed
- Max 5 reward redemptions per month (effective February 1, 2026)
- Max 50,000 RP per month against statement balance
- Flights/hotels/airmiles redemption capped at ₹1.5 Lakh per month
Perfect For
About This Card
Other Charges
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| E-commerce BONUS | 10 pts/₹100 | 10X SmartBuy (Amazon/Flipkart) (Cap: 15,000/mo) |
| Travel BONUS | 10 pts/₹100 | 10X Hotels, 5X Flights via SmartBuy (Cap: 15,000/mo) |
| Dining | 3 pts/₹100 | Base 5 RP per ₹150 |
| Shopping | 3 pts/₹100 | Base 5 RP per ₹150 |
| Fuel | — | No RP on fuel. 1% surcharge waiver |
Domestic Lounges
999 per year
Int'l Lounges
999 per year
Travel Insurance
₹300L cover
Golf Benefits
Complimentary
Concierge
24/7 assistance
Fuel Savings
₹1,000/mo
Lost Card Cover
₹0
Movies
- •Complimentary movie tickets
Dining
- •20% off at partner restaurants
Shopping
- •5X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •Priority Pass unlimited
- •Meet & Greet services
- •Travel concierge
- •Complimentary Club Marriott membership for the first year
- •₹50 lakh overseas emergency hospitalization cover
Partner Benefits
- •Club Marriott membership with dining and stay discounts across Asia Pacific
- •SmartBuy Apple Imagine partnership for accelerated rewards on Apple products
- •SmartBuy Instant Vouchers (GyFTR) for 5X Reward Points across 100+ partner brands
- •ITC Hotels complimentary green fees and dining privileges
Special Offers & Features
- •Invitation-only card — not available for direct application
- •No over-limit fee (Infinia Metal is excluded from over-limit charges)
- •Rent payment fee: 1%
EMI Options
- •EMI conversion on purchases above Rs.2,500
- •Tenure options: 3, 6, 9, 12, 18, 24 months
- •Interest rate: 12-24% p.a. depending on tenure
- •No-cost EMI available at select partner merchants via SmartBuy
Reward Transfer Partners
Singapore Airlines
Air India
British Airways
Etihad Airways
Emirates
Marriott Bonvoy
Hilton Honors
Cathay Pacific
Card Features
Mobile Wallet Support
CardSahayak Score
"Apply Now" takes you to HDFC Bank's official website.
Eligibility
Scores
Deals & Offers
Exclusive offers available on HDFC Infinia Metal
MakeMyTrip
Travel across India with flat 12% instant discount up to ₹2,000 on MakeMyTrip using your HDFC Bank Credit Card.Book domestic air tickets on all major domestic carriers with coupon HDFCDOM for upfront savings.
Step 2: Choose eligible domestic flights with booking value of ₹5,000 or more.
Step 3: Enter coupon code HDFCDOM on the payment page.
Step 4: Pay using any HDFC Bank Credit Card to get an instant discount up to ₹2,000.
Valid on domestic flight bookings across India. Minimum booking value of ₹5,000 is required. Maximum discount is ₹2,000 per booking. Valid once per cardholder per calendar month. Excludes commercial and corporate cards.
Apple
Get up to ₹10,000 instant cashback on your dream Apple devices including iPhone 16 series, MacBook Air, and iPad with HDFC Bank Credit Cards.Available both online at apple.com/in and across all Apple Authorized Resellers across India.
Step 2: Choose an eligible iPhone 16 series, MacBook Air/Pro, or iPad.
Step 3: At checkout, select HDFC Bank Credit Card Instant Cashback offer.
Step 4: Select Full Swipe or 6/12/24 month No-Cost EMI to trigger up to ₹10,000 instant cashback.
Valid on select Apple models. Applicable on 6, 9, 12, 18, 24 months EMI and full-swipe credit card transactions. Valid once per card during promotional tenure. Instant cashback is credited on the invoice value.
Swiggy
Enjoy flat ₹100 off on every food delivery order above ₹499 on Swiggy using your HDFC Bank Credit Card.Use code HDFCFD100 to enjoy dining savings across thousands of restaurants.
Step 2: Add delicious meals worth ₹499 or more to your cart.
Step 3: Enter promo code HDFCFD100 on the payment screen.
Step 4: Pay with any HDFC Bank Credit Card to get an instant ₹100 deduction.
Valid twice per user per calendar month. Applicable on food delivery orders only. Minimum order value of ₹499 is required.
Cleartrip
Book luxury hotel stays and weekend getaways on Cleartrip with flat 25% instant discount up to ₹3,500 using your HDFC Bank Credit Card.
Step 2: Select eligible domestic hotels and rooms with booking value of ₹4,000+.
Step 3: Enter promo code CTHDFC at checkout.
Step 4: Pay with your HDFC Bank Credit Card to get an instant 25% discount up to ₹3,500.
Valid once per card per month. Applicable on domestic hotel bookings across India. Minimum spend ₹4,000.
Reliance Digital
Shop the latest consumer electronics and smart home appliances at Reliance Digital with flat 7.5% instant discount up to ₹4,000 on your HDFC Bank Credit Card.
Step 2: Select eligible laptops, smartphones, or home appliances worth ₹15,000+.
Step 3: Choose HDFC Bank Credit Card offer at checkout.
Step 4: Instant discount up to ₹4,000 is deducted from the final invoice.
Valid on select electronics. Applicable on full-swipe and EMI transactions. Maximum discount ₹4,000 per card per month.
BookMyShow
Enjoy up to ₹250 off on movie and experience bookings on BookMyShow using your eligible HDFC Bank Credit Card.
Step 2: Proceed to payment page and click 'Unlock Offer or Apply Promocodes'.
Step 3: Select HDFC Bank Credit Card offer and enter card details to get up to ₹250 instant discount.
Valid on minimum booking of 2 tickets. Applicable on select HDFC Bank Credit Cards. Limit once per cardholder per calendar month.
Swiggy Dineout
Save 10% up to ₹500 on restaurant bills via Swiggy Dineout using HDFC Bank Credit Cards (codes: HDFCINFINIA up to ₹500, HDFCDINERS up to ₹400, HDFCCARDS up to ₹200; valid twice per month through 31st December 2026).
Step 2: Select HDFC Bank Credit Card as payment mode to claim instant 15% discount up to ₹500.
Official HDFC Bank Swiggy Dineout offer (valid 1st Jan 2026 to 31st Dec 2026, twice per month per user): 10% off up to ₹500 on Infinia (code HDFCINFINIA, MOV ₹3,500), 10% off up to ₹400 on Diners Club Black/BizBlack (code HDFCDINERS, MOV ₹3,000), and 10% off up to ₹200 on other eligible HDFC Credit Cards (code HDFCCARDS, MOV ₹2,000).
Croma
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma with HDFC Bank Credit Cards & EasyEMI on Debit/Credit Cards (valid 18th September 2026 to 31st December 2026).
Step 2: Ensure cart total is ₹20,000 or more.
Step 3: Pay using any HDFC Bank Credit Card or EasyEMI to receive instant discount.
Get Flat ₹4,000 instant discount on Apple iPhone 17 Pro & 17 Pro Max at Croma stores and Croma.com with HDFC Bank Credit Cards & EasyEMI on HDFC Bank Debit/Credit Cards (valid 18th September 2026 to 31st December 2026; excludes co-branded cards).
Frequently Asked Questions
Everything you need to know about HDFC Infinia Metal
- • Min age: 21 years
- • Salaried: ₹300,000/month min
- • Self-employed: ₹200,000/month min
- • CIBIL: 800+ recommended
- ✓ Domestic: 999 per year
- ✓ International: 999 per year
- • Instant: Pre-approved HDFC Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for HDFC Infinia Metal today and unlock amazing rewards and premium experiences.
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