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HDFC Bank INFINIA Metal Edition Credit Card

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Card review

HDFC Bank INFINIA Metal Edition Credit Card

4.2 8.4/10 DebitCue Score Verified Jun 20, 2026

India's most exclusive invite-only metal card with unlimited lounge access

Fee: ₹12,500 INR/yr (≈ $150); Waived on ₹10 lakh annual spend
Purchase APR: from 23.88%
Interest-free: 50 days
Foreign fee: 2%

Rewards

5 Reward Points per ₹150 spent; up to 3.33% value-back on SmartBuy flights/hotels (1 RP = ₹1); 10x points on SmartBuy

Welcome offer

12,500 Reward Points + 1-year Club Marriott membership on joining

Our verdict

What stands out, and where it falls short.

What we like

5 Reward Points per ₹150 spent; up to 3.33%…
Welcome bonus
50-day interest-free period
Airport lounge access
Travel insurance included

Worth weighing

₹12,500 INR/yr (≈ $150) card fee
2% foreign transaction fee

Who It Is For

Whether the HDFC Bank INFINIA Metal Edition Credit Card fits how you actually spend.

Pick it if you are

Frequent travelers
People who want rewards on their spending
Travelers who value airport lounges
People who pay big purchases off over time

Skip it if you are

Light spenders who won't beat the ₹12,500 INR/yr (≈ $150) fee
Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in INR.

Card fee: ₹12,500 INR/yr (≈ $150)
Purchase APR: from 23.88%
Interest-free period: 50 days
Foreign transaction fee: 2%
Monthly Interest Rate: 1.99% per month (23.88% p.a.)
Cash Advance Fee: 2.5% of amount (min ₹500)

Rewards and features

Rewards: 5 Reward Points per ₹150 spent; up to 3.33% value-back on SmartBuy flights/hotels (1 RP = ₹1); 10x points on SmartBuy
Welcome offer: 12,500 Reward Points + 1-year Club Marriott membership on joining
Installments: Up to 24 months EMI post-purchase
Pay with: Contactless
Issuance: Invite-only; from April 2026 requires ₹18L annual spend OR ₹50L relationship value
Golf Access: Unlimited complimentary golf rounds and lessons at premier courses

Benefits and perks

Extras that come bundled with the card.

Unlimited domestic & international airport lounge access (Priority Pass) for primary and add-on cardholders
₹3 crore air accident cover; ₹50 lakh international medical emergency cover
₹9 lakh credit shield/lost card liability cover
24/7 global concierge service
Low 2% foreign currency markup (vs standard 3.5%)

Eligibility

What you need before you apply.

Minimum Income (Salaried): ₹18 lakh per annum (invite criteria)

HDFC Bank INFINIA Metal Edition Credit Card: your questions answered

How much does the HDFC Bank INFINIA Metal Edition Credit Card cost?

The HDFC Bank INFINIA Metal Edition Credit Card costs ₹12,500 INR/yr (≈ $150). Waived on ₹10 lakh annual spend.

What rewards does the HDFC Bank INFINIA Metal Edition Credit Card earn?

The HDFC Bank INFINIA Metal Edition Credit Card earns 5 Reward Points per ₹150 spent; up to 3.33% value-back on SmartBuy flights/hotels (1 RP = ₹1); 10x points on SmartBuy.

Does the HDFC Bank INFINIA Metal Edition Credit Card charge foreign transaction fees?

Yes - the HDFC Bank INFINIA Metal Edition Credit Card charges a 2% foreign transaction fee.

Is there an interest-free period on the HDFC Bank INFINIA Metal Edition Credit Card?

Yes - up to 50 days interest-free when you pay your balance in full by the due date.

What is the interest rate on the HDFC Bank INFINIA Metal Edition Credit Card?

The HDFC Bank INFINIA Metal Edition Credit Card has a purchase APR of from 23.88%.

Does the HDFC Bank INFINIA Metal Edition Credit Card have a welcome offer?

Yes - 12,500 Reward Points + 1-year Club Marriott membership on joining.

Can I pay in installments with the HDFC Bank INFINIA Metal Edition Credit Card?

Yes - Up to 24 months EMI post-purchase.

Is the HDFC Bank INFINIA Metal Edition Credit Card a credit, debit or prepaid card?

The HDFC Bank INFINIA Metal Edition Credit Card is a credit card issued by HDFC Bank on the Visa network.

Does the HDFC Bank INFINIA Metal Edition Credit Card support Apple Pay and Google Pay?

The HDFC Bank INFINIA Metal Edition Credit Card does not list Apple Pay or Google Pay support.

Where can I get the HDFC Bank INFINIA Metal Edition Credit Card?

The HDFC Bank INFINIA Metal Edition Credit Card is currently offered in India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan and 2 more.