← Part of HDFC Credit Cards in India
The HDFC Bank Infinia Metal Credit Card is an exclusive, invite-only offering, known for its premium benefits and a joining fee of ₹12,500 plus applicable taxes. As of 2026, IT offers 5 Reward Points on every ₹150 spent, alongside a 2% forex markup fee for international transactions.
| Parameter | Details |
|---|---|
| Card Type | Super-premium, Invite-only Metal Credit Card |
| Issuing Bank | HDFC Bank |
| Joining Fee | ₹12,500 + applicable taxes |
| Annual Fee | ₹12,500 + applicable taxes (waived on spending ₹10 lakh or more in the preceding 12 months) |
| Forex Markup Fee | 2% of the transaction amount |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% on INR transactions at international locations (effective May 17, 2026) |
| Finance Charge (Revolving Credit) | 1.99% per month (23.88% annually) |
| Reward Points Earning Rate | 5 Reward Points on every ₹150 spent (except fuel transactions) |
| Reward Points Redemption Ratio | 1:1 across flights, hotels, and air mile conversion |
| Fuel Surcharge Waiver | 1% waiver on transactions between ₹400 and ₹1,00,000 at all fuel stations across India |
| Lounge Access | Unlimited complimentary Domestic airport lounge access (Primary & Add-on); Unlimited access to 1,000+ airport lounges worldwide via Priority Pass |
| Golf Benefits | Unlimited free golf games at 20+ leading courses across India and 100+ select international courses |
| Accidental Air Death Cover | ₹3 Crore (as of 2025) |
| Emergency Overseas Hospitalization Cover | Up to ₹50 lakhs (as of 2025) |
| Credit Shield Cover | Up to ₹9 lakhs (as of 2025) |
| Interest-Free Period | Up to 50 days from the date of purchase |
| Contactless Payment Limit | ₹5,000 per single transaction without PIN in India (as of 2026) |
| Rent Payment Fee | 1% of transaction amount + GST (maximum ₹3,000) |
| Card Reissue Fee | ₹100 (for lost or damaged card) |
| Minimum Annual Spend for Infinia Programme Access | ₹18 lakh (primary & add-on cards combined, effective April 1, 2026) |
| Minimum Relationship Value (RLV) for Infinia Programme Access | ₹50 lakh (savings, current, and fixed/recurring deposits combined, effective April 1, 2026) |
The Infinia Metal Card is primarily offered through an invitation-only process, with HDFC Bank assessing customer profiles for eligibility rather than fixed criteria.
Infinia Metal Card: Features
The HDFC Bank Infinia Metal Credit Card offers exclusive benefits for high-net-worth individuals, primarily through an invite-only membership. Key features include unlimited complimentary lounge access at over 1,000 airports globally and a low foreign currency markup fee of 2%.
| Feature Category | Specific Benefit | Key Detail |
|---|---|---|
| Exclusivity & Access | Invite-only Membership | Membership for the HDFC Bank Infinia Metal Credit Card is available by invitation only, targeting select high-net-worth individuals. |
| Travel Benefits | Domestic Airport Lounge Access | Unlimited complimentary domestic airport lounge access in India for Primary & Add-on cardholders. |
| Travel Benefits | International Airport Lounge Access | Unlimited complimentary lounge access at 1,000+ airport lounges within and outside India using Priority Pass. |
| Travel Benefits | Foreign Currency Markup Fee | 2% foreign currency markup fee on transactions in a different currency. From May 17, 2026, a 1.75% Dynamic Currency Conversion (DCC) markup fee also applies on INR transactions at international locations. |
| Lifestyle Benefits | Golf Privileges | Unlimited free golf games at leading courses across India and on select international courses (concierge booking required). |
| Lifestyle Benefits | Club Marriott Membership | Complimentary Club Marriott membership for the first year, offering up to 20% off dining and lodging deals across Asia-Pacific. |
| Lifestyle Benefits | Spa Services Discount | 20% off on Spa services at select participating Marriott managed spas in India (Monday-Friday). |
| Rewards Program | Reward Points Earning | 5 Reward Points on every ₹150 spent (except fuel transactions), with potential for up to 10X rewards on SmartBuy. |
| Rewards Program | Reward Points Redemption | 1:1 redemption ratio across flights, hotels, and air mile conversion. Monthly redemption limit is 150,000 points for flights/hotels/airmiles and 50,000 points against statement balance (as of 2026). |
| Financial Benefits | Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000. |
| Financial Benefits | Interest-Free Period | Up to 50 days interest-free period from the date of purchase (subject to merchant submission of charge). |
| Financial Benefits | Revolving Credit | Revolving credit facility available at a finance charge of 1.99% per month (23.88% annually). |
| Security Features | Zero Lost Card Liability | Zero liability on any fraudulent transactions made on the Credit Card upon immediate reporting to the 24-hour call centre. |
| Security Features | Contactless Payments | Enabled for contactless payments up to ₹5,000 per single transaction without a PIN in India. |
| Insurance Coverage | Accidental Air Death Cover | ₹3 Crore accidental air death cover (as of 2025). |
| Insurance Coverage | Emergency Overseas Hospitalization | Up to ₹50 lakhs emergency overseas hospitalization cover (as of 2025). |
| Insurance Coverage | Credit Shield Cover | Up to ₹9 lakhs credit shield cover (as of 2025). |
| Card Management | No Pre-set Card Limit | The HDFC Bank Infinia Credit Card has no pre-set card limit. |
| Card Management | Customer Care | Toll-free customer care in India: 1800 266 3310; Overseas: 022-6160660. |
The card’s extensive features cater to premium travel, dining, and lifestyle needs, making IT a strong contender for high-spending individuals in India.
Infinia Metal Card: Fees & Charges
The HDFC Bank Infinia Metal Edition Credit Card carries a joining fee of ₹12,500 plus taxes, with an identical annual renewal fee. Cardholders can waive the renewal fee by spending ₹10 lakh or more in the preceding 12 months, as of 2026.
| Metric | Value (₹) | Notes |
|---|---|---|
| Joining Fee | ₹12,500 | Plus applicable taxes |
| Renewal Fee | ₹12,500 | Plus applicable taxes; waived on spending ₹10 lakh or more in the preceding 12 months |
| Finance Charge (Revolving Credit & Cash Advances) | 1.99% per month | 23.88% annually on outstanding balance |
| Foreign Currency Markup Fee | 2% | On all international transactions |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% | On international transactions charged in INR or with merchants registered overseas (effective from May 17, 2026) |
| Over-limit Fee | 2.5% | Of the over-limit amount, minimum ₹550 |
| Rent Payment Fee | 1% | Of the transaction amount plus GST, maximum ₹3,000 |
| Card Reissue Fee (Metal Card) | ₹3,500 | In case of lost, stolen, or damaged card |
| Fuel Surcharge Waiver | 1% | On transactions between ₹400 and ₹1,00,000 at all fuel stations across India |
| Processing Fee (cards sourced before Oct 18, 2021) | ₹10,000 | Applicable for older card issuances |
The card’s finance charge for revolving credit stands at 1.99% per month, equating to 23.88% annually, while foreign transactions incur a 2% markup fee.
Infinia Metal Card: Eligibility
The HDFC Bank Infinia Metal Credit Card is an exclusive, invite-only offering, meaning there are no direct application channels for the general public. HDFC Bank extends invitations to select high-net-worth individuals based on their existing relationship and financial profile.
While specific income criteria are not publicly disclosed, the bank assesses an applicant’s annual income and overall relationship value to determine eligibility for this premium card.
- Invitation Only: The Infinia Metal Card is strictly an invite-only product, not available for direct application.
- Age Requirement: Primary cardholders must be between 18 and 70 years old.
- Residential Status: Both resident and non-resident Indians are eligible if invited by the bank.
- Employment Status: HDFC Bank considers both salaried professionals and self-employed individuals for invitations.
- Add-on Cardholders: Individuals aged 15 years and above can be issued add-on cards.
- Continuation Criteria (from March 2026): To retain the card, account holders must achieve a combined spend of ₹3 lakh in March and April 2026, or maintain a Relationship Value (RLV) of ₹30 lakh for the same period.
- Required Documents (if invited): Proof of identity (PAN Card, Aadhaar, Passport), proof of address (Aadhaar, Passport), and income proof (IT returns, latest pay slips, Form 16) are typically required.
HDFC Bank continuously evaluates customer profiles to extend invitations for the Infinia Metal Credit Card, focusing on high-value relationships.
Infinia Metal Card: Rewards
The HDFC Bank Infinia Metal Credit Card offers 5 Reward Points on every ₹150 spent, excluding fuel transactions. These points provide a value-back of up to 3.33% on most spends, with higher rates on specific SmartBuy transactions. The card’s reward program is designed for premium lifestyle and travel benefits.
- Base Reward Rate: Cardholders earn 5 Reward Points for every ₹150 spent on most categories, translating to a 3.33% value-back.
- SmartBuy Accelerated Rewards: Specific bookings made via the Infinia SmartBuy portal, including flights and hotels, can yield up to 33% in accelerated rewards.
- Redemption Ratio: Reward Points can be redeemed at a 1:1 ratio for flights, hotel bookings, and air mile conversions, offering significant flexibility.
- Travel and Hotel Redemptions: The monthly redemption limit for flights, hotels, and air miles is 150,000 points (as of 2026).
- Product and Voucher Redemptions: For Apple products and Tanishq vouchers, up to 70% of the total bill value can be paid using points.
- Tanishq Voucher Limit: A quarterly redemption limit of 50,000 reward points applies to Tanishq vouchers (effective January 1, 2026).
- Apple Product CAP: Redemption for Apple products via SmartBuy is capped at one product per calendar quarter (effective January 1, 2026).
- Statement Balance Redemption: A monthly limit of 50,000 reward points applies when redeeming against the statement balance.
- Reward Point Validity: Accumulated reward points remain valid for three years from their date of accumulation.
The Infinia Metal Card’s reward structure prioritizes high-value redemptions, particularly for travel and luxury purchases, making IT suitable for frequent spenders.
Infinia Metal Card: Travel Benefits
The HDFC Infinia Metal Credit Card offers extensive travel benefits, including unlimited complimentary lounge access at over 1,000 airports globally. Cardholders also receive a complimentary Club Marriott membership for the first year, providing up to 20% off dining and stays across Asia-Pacific.
| Benefit | Details | Value/Frequency |
|---|---|---|
| Domestic Airport Lounge Access | Unlimited complimentary access in India for Primary & Add-on cardholders. | Unlimited |
| International Airport Lounge Access | Unlimited complimentary access to 1,000+ lounges worldwide via Priority Pass for Primary & Add-on cardholders. | Unlimited |
| Foreign Currency Markup Fee | Low foreign currency markup fee on international transactions. | 2% of transaction amount |
| Dynamic Currency Conversion (DCC) Markup Fee | On transactions charged in INR at international locations or with merchants registered overseas (effective May 17, 2026). | 1.75% |
| Club Marriott Membership | Complimentary Club Marriott membership for the first year, offering up to 20% off dining and stays across Asia-Pacific. | First year complimentary |
| Marriott Hotels Discount (India) | 20% off on best available rates at participating Marriott hotels in India. | 20% off |
| Marriott Hotels Discount (Asia Pacific) | 20% off on Weekend Rates at participating Marriott hotels in Asia Pacific. | 20% off |
| Spa Services Discount | 20% off on Spa services at select participating Marriott managed spas in India (Monday to Friday). | 20% off |
| Golf Privileges | Unlimited complimentary golf lessons & games at 20+ leading courses across India and 100+ select courses worldwide. | Unlimited |
| Accidental Air Death Cover | Insurance cover for air travel accidents. | ₹3 Crore |
| Emergency Overseas Hospitalization Cover | Insurance cover for medical emergencies abroad. | Up to ₹50 Lakhs |
| Credit Shield Cover | Insurance cover against outstanding credit card dues in unforeseen circumstances. | Up to ₹9 Lakhs |
| Concierge Services | 24×7 personal concierge across the globe for services like meet-and-greet at airports, itinerary planning, private dining, and event arrangements. | 24×7 |
The card’s low 2% foreign currency markup fee and full insurance covers make IT suitable for frequent international travelers.
Infinia Metal Vs. Diners Black
The HDFC Infinia Metal and HDFC Diners Club Black cards are both premium offerings, with the Infinia Metal having a higher joining and renewal fee of ₹12,500 + taxes compared to Diners Black’s ₹10,000 + taxes. Both cards offer a 3.33% value-back reward rate on most spends, but Diners Black includes 2X rewards on weekend dining.
| Parameter | HDFC Infinia Metal | HDFC Diners Club Black |
|---|---|---|
| Payment Network | Visa/Mastercard | Diners Club |
| Acceptance | Universal (Visa/Mastercard) | Lower acceptance, especially at smaller merchants and some international locations |
| Joining Fee | ₹12,500 + taxes | ₹10,000 + taxes |
| Renewal Fee (Annual) | ₹12,500 + taxes | ₹10,000 + taxes |
| Renewal Fee Waiver (Annual) | Spend ₹10 lakh in preceding 12 months (increased to ₹18 lakh from April 2026) | Spend ₹5 lakh in preceding 12 months |
| Reward Rate (Base) | 5 Reward Points on every ₹150 spent (3.33% value-back) | 5 Reward Points on every ₹150 spent (3.33% value-back) |
| Special Reward Rate | No specific special rate | 2X rewards on weekend dining spends |
| Forex Markup Fee | 2% of transaction amount | 2% of transaction amount |
| Dynamic Currency Conversion (DCC) Markup Fee | 1.75% (effective May 17, 2026) | Not specified (verify with lender) |
| Eligibility | Invite-only | Invite-only |
| Accidental Air Death Cover | ₹3 Crore | ₹3 Crore |
| Emergency Overseas Hospitalization Cover | ₹50 lakh | ₹50 lakh |
While both cards target premium users with similar reward structures and forex fees, the Infinia Metal offers broader acceptance due to its Visa/Mastercard network, whereas Diners Club Black provides specific weekend dining benefits.
Infinia Metal Card: Application
The HDFC Bank Infinia Metal Credit Card is an exclusive, invite-only offering, meaning there are no standard application forms or public eligibility criteria. HDFC Bank extends invitations to select high-net-worth customers based on their existing relationship value and spending patterns.
As of 2026, existing HDFC Bank customers may receive an invitation if they meet specific internal criteria. The bank assesses factors like annual income and overall relationship with the bank to determine eligibility for this premium card.
- Invitation-Only Process: The Infinia Metal Card is strictly an invite-only product; direct applications are not accepted.
- Existing Customer Focus: HDFC Bank typically extends invitations to its high-value customers who maintain significant banking relationships.
- Relationship Value (RLV): For continued access to the Infinia programme from April 2026, a Relationship Value (savings, current, fixed/recurring deposits combined) of ₹30 lakh for March and April 2026 is a key condition.
- Spend-Based Continuation: Alternatively, cardholders must achieve a spend of ₹3 lakh on their Infinia Card during March and April 2026 to continue holding the card.
- Required Documents (if invited): If invited, standard documents like PAN Card, Aadhaar, income proof (IT returns, latest pay slips), and address proof are typically required.
Customers interested in the Infinia Metal Card should focus on building a strong banking relationship with HDFC Bank and maintaining a high credit profile.
Key Takeaways
- The HDFC Infinia Metal Card is exclusively invite-only, with no public application process.
- Existing HDFC Bank customers need to meet specific spend (₹3 lakh in Mar-Apr 2026) or Relationship Value (₹30 lakh in Mar-Apr 2026) criteria for card continuation.
- Standard KYC and income documents are required if an invitation is extended by HDFC Bank.
Maintain a strong financial relationship with HDFC Bank to potentially receive an invitation for the Infinia Metal Card.
Frequently Asked Questions (FAQs)
What is the annual fee for the HDFC Infinia Metal Credit Card in 2026?
The annual renewal fee for the HDFC Bank Infinia Metal Edition Credit Card is ₹12,500 plus applicable taxes. This fee is waived if your spending exceeds ₹18 lakh in the preceding 12 months, as per the revised policy effective from 2026. Previously, the waiver threshold was ₹10 lakh.
What are the foreign transaction charges on the HDFC Infinia Metal Credit Card?
The HDFC Infinia Metal Credit Card charges a 2% forex markup fee on all foreign currency spending. , from May 17, 2026, a 1.75% Dynamic Currency Conversion (DCC) markup fee applies to transactions where you choose to pay in Indian Rupees abroad. This increases your overall cost for international purchases.
Does the HDFC Infinia Metal Credit Card offer complimentary lounge access?
Yes, the HDFC 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 via the Priority Pass program for primary and add-on members.
What is the fuel surcharge waiver on the HDFC Infinia Metal Credit Card?
The HDFC Bank Infinia Metal Edition 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.
What are the reward points benefits of the HDFC Infinia Metal Credit Card?
The HDFC Infinia Metal Credit Card offers 5 reward points for every ₹150 spent on most retail purchases. These points can be redeemed for flights, hotels, products, or cashback at a value of ₹0.50 per point for travel bookings on the SmartBuy portal. For other redemptions, the value may vary.
What is the eligibility criteria for the HDFC Infinia Metal Credit Card in 2026?
The HDFC Infinia Metal Credit Card is primarily offered by invitation only to high-net-worth individuals. Salaried applicants typically need a monthly income of ₹3.5 lakh or more, while self-employed individuals require an annual income exceeding ₹40 lakh. A CIBIL score of 780 or higher is generally expected.
Can I make contactless payments with the HDFC Infinia Metal Credit Card?
Yes, the HDFC Bank Infinia Credit Card is enabled for contactless payments, allowing for quick and secure transactions at retail outlets. In India, contactless payments are permitted for a maximum of ₹5,000 per single transaction without requiring a PIN. For amounts above ₹5,000, a PIN is mandatory.
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.