← Part of HDFC Credit Cards in India
The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering, recognized by Cardmaven.in (2026) as having one of the best reward structures among premium credit cards in India. IT targets high-net-worth individuals, providing extensive travel, lifestyle, and rewards benefits, including unlimited complimentary lounge access and a low 2% foreign currency markup fee.
| Parameter | Details |
|---|---|
| Card Name | HDFC Bank INFINIA Metal Credit Card |
| Issuer | HDFC Bank |
| Card Type | Ultra-premium, Invite-only Credit Card |
| Target Audience | High-net-worth individuals seeking luxury travel, elevated rewards, and exclusive lifestyle privileges |
| Joining Fee (2026) | ₹12,500 plus applicable taxes |
| Annual Renewal Fee (2026) | ₹12,500 plus applicable taxes |
| Renewal Fee Waiver Condition | Spend ₹10 lakh or more in the preceding 12 months |
| Foreign Currency Markup Fee | 2% of the transaction amount |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% (effective May 17, 2026, on INR transactions at international locations) |
| Reward Points Accrual | 5 Reward Points per ₹150 spent (on most retail, insurance, utility, education payments) |
| SmartBuy Platform Rewards | Up to 10X Reward Points on travel and shopping via HDFC Bank’s SmartBuy Platform |
| Reward Point Redemption Value | 1 Reward Point = ₹1 (for SmartBuy travel bookings, up to 70% of booking value) |
| Reward Redemption Ratio | 1:1 across flights, hotels, air mile conversion, and premium purchases |
| Welcome Gift | Complimentary Club Marriott membership for one year |
| Domestic Airport Lounge Access | Unlimited complimentary for Primary & Add-on cardholders in India |
| International Airport Lounge Access | Unlimited complimentary via Priority Pass (1,000+ lounges globally) |
| Golf Privileges | Unlimited complimentary games at leading courses in India and abroad; unlimited free golf instruction at select courses |
| Accidental Air Death Cover | ₹3 Crore |
| Emergency Overseas Hospitalization | Up to ₹50 lakhs |
| Credit Shield Cover | Up to ₹9 lakhs |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹1,00,000 at all fuel stations in India |
| Interest-Free Period | Up to 50 days from the date of purchase |
| Contactless Payment Limit (India) | ₹5000 per single transaction without PIN |
| Eligibility Criteria (2026) | Invite-only, based on bank’s internal evaluation of spending, income, and existing banking relationship |
| Continuation Criteria (FY 2025-26 Transition) | Spends of ₹3 Lakhs (Mar-Apr 2026) OR Relationship Value of ₹30 Lakhs (Mar-Apr 2026) |
The card’s invite-only nature and stringent continuation criteria, effective April 2026, underscore its position as a top-tier financial product for HDFC Bank’s most valued customers.
HDFC Bank INFINIA Metal Credit Card in India: Types, Categories & Key Components Explained
The HDFC Bank INFINIA Metal Credit Card is an invite-only, super-premium offering in India, designed for high-net-worth individuals seeking exclusive travel, lifestyle, and reward benefits. As of 2026, IT features a 2% foreign currency markup fee and an annual renewal fee of ₹12,500 plus taxes, which can be waived on spending ₹10 lakh or more in the preceding 12 months.
| Type/Category | Details | Key Feature |
|---|---|---|
| Card Type | HDFC Bank INFINIA Metal Edition Credit Card | Ultra-premium, invitation-only credit card |
| Eligibility Criteria | Invite-only, based on bank’s internal evaluation of spending behavior, income profile, and existing banking relationship | Highly selective, no standard application process |
| Joining Fee (2026) | ₹12,500 plus applicable taxes | One-time charge at the time of application |
| Annual Renewal Fee (2026) | ₹12,500 plus applicable taxes | Waived on spending ₹10 lakh or more in the preceding 12 months |
| Foreign Currency Markup Fee | 2% of the transaction amount | Low markup for international spends |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% (effective May 17, 2026) | Applies to transactions charged in INR at international locations or with overseas merchants |
| Reward Points Earning | 5 Reward Points on every ₹150 spent across all retail categories (including insurance, utilities, education) | High earning rate on diverse spending |
| SmartBuy Platform Rewards | Up to 10X Reward Points on travel and shopping spends via HDFC Bank’s SmartBuy Platform | Accelerated rewards for specific categories |
| Reward Point Redemption Value | 1 Reward Point = ₹1 for SmartBuy travel bookings, flights, hotels, air mile conversion, and premium purchases | 1:1 redemption ratio for high value |
| Reward Redemption Limit (Monthly) | Maximum 200,000 points per statement cycle; 150,000 points for flights, hotels, airmiles; 50,000 points against statement balance (effective February 1, 2026) | Structured redemption caps |
| Contactless Payment Limit (India) | ₹5,000 for a single transaction without PIN | Convenient for small-value transactions |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹1,00,000 at all fuel stations across India | Savings on fuel expenses |
| Interest-Free Period | Up to 50 days from the date of purchase | Extended period before interest accrues |
| Accidental Air Death Cover | ₹3 Crore | High insurance coverage for air travel |
| Emergency Overseas Hospitalization | Up to ₹50 Lakhs | Financial protection during international travel |
| Credit Shield Cover | Up to ₹9 Lakhs | Protection against outstanding dues in unforeseen events |
| Domestic Airport Lounge Access | Unlimited complimentary access for Primary and Add-on cardholders in India | Extensive lounge benefits within India |
| International Airport Lounge Access | Unlimited complimentary access to 1,000+ airport lounges worldwide via Priority Pass | Global lounge access for frequent travelers |
| Golf Privileges | Unlimited complimentary golf games at leading courses in India and abroad; unlimited free golf instruction at select courses in India | Premium lifestyle benefit for golf enthusiasts |
| Club Marriott Membership | Complimentary one-year Club Marriott membership as a welcome gift | Discounts on dining and stays across Asia-Pacific |
| Marriott Hotels Dining Discount | Up to 20% off restaurant bills (for up to 10 guests) at participating Marriott hotels in India | Significant savings on dining experiences |
| Marriott Hotels Stay Discount | 20% off the best available rates at participating Marriott hotels in India and on Weekend Rates in Asia Pacific | Reduced rates for luxury hotel stays |
| ITC Hotels Offers | Exclusive offers on Travel and Dining, including “book three nights, pay for two” and “1+1 free buffet” at participating ITC hotels | Special benefits with a luxury hotel chain |
| Swiggy Dineout Benefits | Up to ₹500 off dining bills twice a month on a minimum bill of ₹3,500 | Regular dining discounts |
| Rent Payment Fee | 1% of the transaction amount plus GST (maximum ₹3,000) | Specific fee for rent transactions |
| Card Reissue Fee | ₹100 in case of a lost or damaged card | Nominal fee for card replacement |
| Continuation Criteria (FY 2025-26) | Spend ₹3 Lakhs (March 2026 + April 2026) OR maintain a Relationship Value (RLV) of ₹30 Lakhs (March 2026 & April 2026) | Conditions to retain card access during transition window |
| Ongoing Retention Criteria (Effective April 1, 2026) | Minimum spend of ₹18 lakhs per year OR Relationship Value of ₹50 lakhs with the bank | Annual requirements to maintain card membership |
The INFINIA Metal Credit Card offers a full suite of benefits, making IT a top choice for high-spending individuals who prioritize luxury travel, dining, and extensive reward programs in India.
HDFC Bank INFINIA Metal Credit Card in India: Key Statistics & Data Points for 2026
The HDFC Bank INFINIA Metal Credit Card is an invite-only, super-premium offering, featuring a 2% foreign currency markup fee and an annual renewal fee of ₹12,500 plus taxes, waived on spends of ₹10 lakh or more in the preceding 12 months. As of February 1, 2026, reward point redemptions are capped at 5 times per month, with a monthly limit of 150,000 points for flights, hotels, and air miles.
| Metric | Value | Source |
|---|---|---|
| Joining Fee (2026) | ₹12,500 + applicable GST | HDFC Bank Official Website |
| Annual Renewal Fee (2026) | ₹12,500 + applicable GST | HDFC Bank Official Website |
| Annual Fee Waiver Condition | Spend ₹10 lakh or more in preceding 12 months | HDFC Bank Official Website |
| Foreign Currency Markup Fee | 2% of transaction amount | HDFC Bank Official Website |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% (effective May 17, 2026) | HDFC Bank Official Website |
| Reward Points Earning Rate | 5 Reward Points per ₹150 spent | HDFC Bank Official Website |
| Reward Points on SmartBuy (Travel/Shopping) | Up to 10X Reward Points | HDFC Bank Official Website |
| Reward Point Redemption Ratio (Travel/Airmiles) | 1:1 (1 RP = ₹1) | HDFC Bank Official Website |
| Maximum Reward Points Redemption (Monthly) | 150,000 points (flights, hotels, airmiles) | HDFC Bank Official Website (effective Feb 1, 2026) |
| Reward Point Redemption Limit (Frequency) | 5 times per month (effective Feb 1, 2026) | HDFC Bank Official Website |
| Accidental Air Death Cover | ₹3 Crore | HDFC Bank Official Website |
| Emergency Overseas Hospitalization Cover | Up to ₹50 Lakhs | HDFC Bank Official Website |
| Credit Shield Cover | Up to ₹9 Lakhs | HDFC Bank Official Website |
| Fuel Surcharge Waiver | 1% (on transactions ₹400-₹1,00,000) | HDFC Bank Official Website |
| Contactless Payment Limit (India) | ₹5,000 per transaction (without PIN) | HDFC Bank Official Website |
| Interest-Free Period | Up to 50 days | HDFC Bank Official Website |
| Domestic Airport Lounge Access | Unlimited complimentary (Primary & Add-on) | HDFC Bank Official Website |
| International Airport Lounge Access | Unlimited complimentary via Priority Pass (1,000+ lounges) | HDFC Bank Official Website |
| Golf Games/Instruction | Unlimited complimentary (select courses India/abroad) | HDFC Bank Official Website |
| Club Marriott Membership (Welcome Gift) | Complimentary for one year | HDFC Bank Official Website |
| Dining Discount (Marriott Hotels India) | Up to 20% off (max 10 guests) | HDFC Bank Official Website |
| Hotel Stay Discount (Marriott Hotels India/Asia-Pacific) | 20% off best available rates | HDFC Bank Official Website |
| Spa Services Discount (Marriott Spas India) | 20% off (Monday & Friday) | HDFC Bank Official Website |
| Rent Payment Fee | 1% of transaction amount + GST (max ₹3,000) | HDFC Bank Official Website |
| Card Reissue Fee | ₹100 (for lost/damaged card) | HDFC Bank Official Website |
The HDFC Bank INFINIA Metal Credit Card offers extensive travel and lifestyle benefits, making its reward point system and low forex markup key attractions for high-net-worth individuals in India.
How HDFC Bank INFINIA Metal Credit Card in India Works: Process, Steps & Key Details
The HDFC Bank INFINIA Metal Credit Card is an invite-only offering, extended to high-net-worth individuals based on their spending behavior, income profile, and existing banking relationship with HDFC Bank. As of April 2026, cardholders must meet specific conditions to continue holding the card, including a minimum spend of ₹3 lakh between March and April 2026 or a relationship value of ₹30 lakh with the bank.
The card is not available through a standard application process. Instead, HDFC Bank identifies eligible customers and extends an invitation. Here are key details on how the INFINIA Metal Credit Card works:
- Invite-Only Eligibility: The HDFC Bank INFINIA Metal Credit Card is exclusively offered by invitation. HDFC Bank assesses existing customers based on their financial standing, credit score, and engagement with the bank.
- Continuation Criteria (FY 2025-26): To retain the card beyond April 2026, cardholders must spend ₹3 lakh on the card between March 1, 2026, and April 30, 2026, or maintain a relationship value of ₹30 lakh with HDFC Bank during the same period.
- Required Documents: While application is invite-only, the bank typically requires standard KYC documents. These include PAN Card or Form 60, identity proof (Aadhaar, Passport, Driver’s License), income proof (IT returns, pay slips), and address proof.
- Contactless Payment Feature: The card supports contactless payments for transactions up to ₹5,000 in India without requiring a PIN, ensuring quick and secure purchases at retail outlets.
- Foreign Currency Transactions: A foreign currency markup fee of 2% applies to international spending. , a 1.75% Dynamic Currency Conversion (DCC) markup fee will be effective from May 17, 2026, on transactions charged in INR at international locations.
- Revolving Credit Option: Cardholders can access revolving credit at a nominal interest rate, offering flexibility for managing larger expenses.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver is available on transactions between ₹400 and ₹1,00,000 at all fuel stations across India.
- Lost or Damaged Card: In case of a lost or damaged card, a reissue fee of ₹100 is applicable.
The HDFC Bank INFINIA Metal Credit Card provides a suite of premium benefits, making IT a top-tier offering for high-net-worth individuals in India.
HDFC Bank INFINIA Metal Credit Card in India: Benefits, Advantages & Why Students Choose IT
The HDFC Bank INFINIA Metal Credit Card offers a suite of luxury benefits, including unlimited complimentary lounge access and a low 2% foreign currency markup fee. This invite-only card is designed for high-net-worth individuals who seek premium travel, dining, and lifestyle privileges in India and globally.
As of 2026, the card provides significant value-back on spends and exclusive access to experiences, making IT a top choice for discerning customers.
- Unlimited Lounge Access: Primary and add-on cardholders receive unlimited complimentary domestic airport lounge access in India. , the card offers unlimited access to over 1,000 international airport lounges via Priority Pass.
- Low Foreign Currency Markup: The card features a competitive 2% foreign currency markup fee on international transactions, significantly lower than many other premium cards. A 1.75% Dynamic Currency Conversion (DCC) markup fee applies from May 17, 2026, on certain international INR transactions.
- Exceptional Reward Points: Cardholders earn 5 Reward Points on every ₹150 spent across retail categories, including insurance, utilities, and education. Spends on HDFC Bank’s SmartBuy platform yield up to 10X Reward Points for travel and shopping.
- Club Marriott Membership: A complimentary one-year Club Marriott membership is a welcome gift, providing up to 20% off dining and stays at participating Marriott hotels across India and Asia-Pacific.
- Complimentary Golf Games: Enjoy unlimited complimentary golf games at over 20 leading courses in India and more than 100 courses abroad, requiring concierge booking. Unlimited golf instruction is also available at select Indian courses.
- full Insurance Covers: The card includes substantial insurance benefits such as ₹3 crore accidental air death cover, up to ₹50 lakh for emergency overseas hospitalization, and up to ₹9 lakh credit shield cover.
- Exclusive Dining & Travel Offers: Benefit from up to 20% off restaurant bills at participating Marriott hotels and exclusive offers on travel and dining with ITC Hotels, including 1+1 free buffets and “book three nights, pay for two” stays.
The HDFC Bank INFINIA Metal Credit Card combines high reward rates with extensive luxury benefits, catering to those with significant spending power and a need for premium services.
HDFC Bank INFINIA Metal Credit Card in India: Vs Alternatives: Which Option is Best?
The HDFC Bank INFINIA Metal Credit Card offers a 2% foreign currency markup fee, significantly lower than the typical 3.5% on other premium cards (as of 2026). Its invite-only status targets high-net-worth individuals seeking extensive travel and lifestyle benefits, including unlimited golf games and lounge access.
| Feature | HDFC Bank INFINIA Metal Credit Card | HDFC Diners Club Black Metal Edition | AU Bank Zenith+ Credit Card |
|---|---|---|---|
| Joining Fee (2026) | ₹12,500 + applicable taxes | ₹10,000 + applicable taxes | Varies (typically ₹999 – ₹4,999) |
| Annual Renewal Fee (2026) | ₹12,500 + applicable taxes (waived on ₹10 lakh annual spend) | ₹10,000 + applicable taxes (waived on ₹5 lakh annual spend) | Varies (waived on specific annual spend) |
| Foreign Currency Markup Fee | 2% of transaction amount | 2% of transaction amount | 3.5% of transaction amount |
| Reward Points per ₹150 Spent | 5 Reward Points (retail, insurance, utilities, education) | 5 Reward Points (retail, insurance, utilities, education) | 2-5 Reward Points (category-dependent) |
| Reward Redemption Value | 1:1 for flights, hotels, air miles (SmartBuy: up to 10X) | 1:1 for flights, hotels, air miles (SmartBuy: up to 10X) | Varies by redemption option |
| Domestic Airport Lounge Access | Unlimited complimentary (Primary & Add-on) | Unlimited complimentary (Primary & Add-on) | Limited complimentary visits |
| International Airport Lounge Access | Unlimited via Priority Pass (1,000+ lounges) | Unlimited via Priority Pass | Limited via Priority Pass |
| Golf Privileges | Unlimited complimentary games & instruction (India & abroad) | Unlimited complimentary games & instruction | Limited complimentary games |
| Marriott/ITC Benefits | Complimentary Club Marriott membership; up to 20% off dining/stays | Similar luxury hotel benefits | Partner-specific offers |
| Accidental Air Death Cover | ₹3 Crore | ₹2 Crore | Up to ₹1 Crore |
| Emergency Overseas Hospitalization | Up to ₹50 lakhs | Up to ₹25 lakhs | Up to ₹10 lakhs |
| Eligibility | Invite-only (high-net-worth individuals) | Invite-only (high-net-worth individuals) | High income, good credit score (not invite-only) |
The HDFC Bank INFINIA Metal Credit Card stands out for its full travel and lifestyle benefits, particularly its low forex markup and extensive golf privileges. While the HDFC Diners Club Black Metal Edition offers similar reward rates, the INFINIA often provides more extensive luxury perks for high-spending cardholders.
Common Misconceptions About HDFC Bank INFINIA Metal Credit Card in India
The HDFC Bank INFINIA Metal Credit Card is an exclusive, invite-only offering, leading to several common misunderstandings about its features and accessibility. Many believe IT has a standard application process, but eligibility is determined by HDFC Bank’s internal evaluation of a customer’s spending, income, and banking relationship.
- Misconception 1: Anyone can apply for the INFINIA Metal Credit Card. The HDFC Bank INFINIA Metal Credit Card is strictly an invite-only product. HDFC Bank extends invitations based on internal assessments of a customer’s high spending patterns, income profile, and existing banking relationship, not through a public application process.
- Misconception 2: The card offers unlimited reward points without any caps. While the INFINIA card has a strong rewards program, there are redemption limits. As of February 1, 2026, the maximum reward points redemption is 5 times per month, with specific monthly caps like 150,000 points for flights/hotels and 50,000 points against statement balance.
- Misconception 3: Priority Pass provides unlimited lounge access within India. Priority Pass membership offers unlimited global lounge access at over 1,000 airports. However, for domestic lounge access within India, the card provides unlimited complimentary access directly through Visa/Mastercard networks for primary and add-on cardholders, not typically via Priority Pass.
- Misconception 4: The annual fee is always waived automatically. The annual renewal fee of ₹12,500 plus applicable taxes is waived if the cardholder spends ₹10 lakh or more in the preceding 12 months. This waiver is not automatic and requires meeting the specified spend threshold.
- Misconception 5: Foreign currency transactions are completely free. The HDFC Bank INFINIA Metal Credit Card has a low foreign currency markup fee of 2% of the transaction amount. , from May 17, 2026, a 1.75% Dynamic Currency Conversion (DCC) markup fee applies to transactions charged in INR at international locations.
Understanding these specific details helps clarify the true nature and operational aspects of the HDFC Bank INFINIA Metal Credit Card for prospective cardholders.
What to Do Next: Actionable Steps
The HDFC Bank INFINIA Metal Credit Card is an invite-only offering, extended to high-net-worth individuals based on their spending behavior and banking relationship. Starting April 2026, existing cardholders must meet specific criteria to continue enjoying its benefits.
- Understand Invitation-Only Access: The HDFC Bank INFINIA Metal Credit Card is available strictly by invitation. HDFC Bank evaluates existing customers based on their income profile, spending patterns, and overall relationship with the bank.
- Review Continuation Criteria for FY 2025-26: For the period between March 1, 2026, and April 30, 2026, existing cardholders need to spend ₹3 lakh on their Infinia Card or maintain a Relationship Value (RLV) of ₹30 lakh with HDFC Bank to continue their card benefits.
- Prepare for April 2026 Eligibility Review: From April 1, 2026, cardholders will need to meet updated conditions to retain the card. This includes a minimum annual spend of ₹18 lakh or a relationship value of ₹50 lakh with the bank.
- Gather Required Documents: While application is invite-only, be ready with identity proof (PAN Card, Aadhaar, Passport), address proof, and income proof (IT returns, pay slips) if invited to apply.
- Contact Dedicated Customer Service: For queries regarding eligibility or card features, HDFC Bank offers a dedicated helpline at +91 22 6171 7606 for Infinia cardholders.
- Monitor SmartBuy Platform for Rewards: Maximize rewards by utilizing the HDFC Bank SmartBuy platform for travel and shopping, which offers up to 10X Reward Points on eligible spends.
Key Takeaways
- The HDFC Bank INFINIA Metal Credit Card is an exclusive, invite-only product for high-net-worth individuals.
- Existing cardholders face new spend or relationship value criteria (₹3 lakh spend or ₹30 lakh RLV by April 30, 2026) to retain the card for FY 2025-26.
- From April 2026, ongoing eligibility will require an annual spend of ₹18 lakh or a bank relationship value of ₹50 lakh.
If you meet the bank’s internal criteria, await an invitation from HDFC Bank to apply for the INFINIA Metal Credit Card.
Frequently Asked Questions (FAQs)
What are the eligibility criteria for the HDFC Bank Infinia Metal Credit Card in 2026?
The HDFC Bank Infinia Metal Credit Card is primarily offered by invitation only, based on HDFC Bank’s internal assessment of your spending habits, income profile, and existing banking relationship. While specific income thresholds are not publicly disclosed, IT targets high-net-worth individuals with significant spending capacity. You generally need a strong financial history and a high CIBIL score to be considered.
What are the annual fees for the HDFC Bank Infinia Metal Credit Card in 2026?
The HDFC Bank Infinia Metal Credit Card typically has an annual fee of ₹12,500 plus applicable taxes. This fee is often waived if your annual spending on the card exceeds a certain threshold, which was ₹18 lakh as per 2025 data. Always confirm the latest fee structure and waiver conditions directly with HDFC Bank.
What is the foreign currency markup fee on the HDFC Bank Infinia Metal Credit Card?
The HDFC Bank Infinia Metal Credit Card applies a 2% foreign currency markup fee on all international transactions. , from May 17, 2026, a 1.75% Dynamic Currency Conversion (DCC) markup fee will also apply to relevant transactions. These fees increase the overall cost of spending abroad.
What are the main reward benefits of the HDFC Bank Infinia Metal Credit Card?
The HDFC Bank Infinia Metal Credit Card offers 5 Reward Points for every ₹150 spent across most retail categories, including insurance and utilities. You can earn up to 10X Rewards on travel and shopping through HDFC Bank’s SmartBuy Platform. Reward Points can be redeemed at a 1:1 ratio for flights, hotels, and air mile conversions with partner airlines like Etihad and British Airways.
Does the HDFC Bank Infinia Metal Credit Card offer complimentary lounge access?
Yes, the HDFC Bank Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access within India for both primary and add-on cardholders. IT also offers unlimited international lounge access through the Priority Pass program for the primary cardholder and one add-on member. This benefit is highly valued by frequent travelers.
How does the HDFC Infinia Metal Credit Card compare to the HDFC Diners Club Black Metal Edition?
The HDFC Infinia Metal Credit Card and HDFC Diners Club Black Metal Edition offer nearly identical benefits, including a 3.33% value-back reward rate and 1:1 redemption across travel and air miles. However, the Diners Club Black Metal Edition typically has a lower annual fee of ₹10,000, compared to Infinia’s ₹12,500. The choice often depends on network preference and specific spending patterns.
What is the fuel surcharge waiver on the HDFC Bank Infinia Metal Credit Card?
The HDFC Bank Infinia Metal Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This waiver applies to transactions between ₹400 and ₹1,00,000. The maximum waiver per statement cycle is capped at ₹1,000.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.