HDFC Bank Infinia Metal Edition Credit Card - Review and Apply Online

HDFC Bank Infinia Metal Edition Credit Card (4.7)

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Are you someone who loves to travel in luxury and indulgence? How about getting free night stays and buffets at ITC hotels, unlimited lounge access worldwide, and a reward rate of 3.3% on every spend? Sounds tempting, doesn't it? Well, the HDFC Infinia Metal Credit Card is just what you need! At a joining and annual fee of ₹12,500, this credit card is a great fit for those high spenders who seek exclusive premium benefits. Want to know more? Keep reading below!

Features and Benefits

Aspects that make spending using this card lit as the sun!

Welcome Bonus
Welcome Bonus
  • Complimentary Club Marriott membership for a year that offers up to 20% discounts for Dining and Stay.
  • 12,500 reward points upon fee realisation and card activation.
Travel Benefit
  • Book stay for 3-nights and pay for two at participating ITC hotels. 
  • 1+1 complimentary buffet at participating ITC hotels.
Interest-Free Period

Up to 50 days of interest free period on your HDFC Bank Infinia Credit Card from the date of purchase (subject to the submission of the charge by the Merchant)

Lounge Access
  • Enjoy unlimited complimentary lounge access at airports within and outside India at 1,000+ airport lounges using Priority Pass.
  • Benefit also available for add on Priority Pass holders.
Reward Points

You can redeem your Reward Points on Smartbuy or Netbanking.

Reward Points can be redeemed for:

  • Flight and Hotel Bookings via Smartbuy at a value of 1 RP = ₹ 1.
  • Apple products and Tanishq vouchers via Smartbuy at a value of 1RP = ₹ 1.
  • Airmiles conversion through net banking at a value of 1RP = 1 air mile.
  • Products and Vouchers via Netbanking or SmartBuy at a value of 1 RP = up to ₹ 0.50.
  • Cashback at a value of 1 RP = ₹ 0.30.
  • Reward Rate- 3.3%
Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹1,00,000.

Insurance Benefit
  • Accidental Air Death cover worth ₹3 Crore.
  • Emergency overseas hospitalization up to ₹50 lakhs in case of emergency.
  • Credit Shield Cover for upto 9 lakhs.
Other Benefit
  • The HDFC Bank Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
  • Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year.
  • Unlimited Complimentary golf games at leading courses across India and select courses across the world. Unlimited complimentary Golf coaching at select golf courses across India.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.


Joining Fee


Annual Fee


Annual Percentage Rate


Add-on Card Fee


Minimum Repayment Amount


Cash Withdrawal Fee


Cash Advance Limit


Card Replacement Fee


Foreign Transaction Fee


Over Limit Penalty


Fuel Transaction Surcharge


Reward Point Value

Late Payment Charges

Balance below ₹ 100

₹ 0

Balance from ₹100 to ₹500

₹ 100

Balance from ₹ 501 to ₹ 5000

₹ 500

Balance from ₹5001 to ₹10000

₹ 600

Balance from ₹10001 to ₹25000

₹ 800

Balance from ₹25001 to ₹50000

₹ 1100

Balance more than ₹ 50000

₹ 1300

Aspects that make this credit card amazing.

  1. 1. Global Personal Concierge services available 24x7.
  2. Unlimited airport lounge access across the globe for Primary and Add-on member.
  3. Unlimited free golf games at leading courses across India.
  4. Low foreign markup fee compared to other cards.
  5. There is no cap on cash reward points.

Aspects this credit card lacks.

  1. Club Marriott membership is only for the first year.
  2. No Reward Points are earned on fuel transactions.
  3. No milestone benefits.
HDFC Bank Infinia Metal Edition Rating & Reviews

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.





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HDFC Bank Infinia Metal Edition Credit Card Review

HDFC Infinia credit card is a prestigious and exclusive offering by HDFC Bank, one of India's leading private sector banks. Designed to cater to high-net-worth individuals and premium clientele, the HDFC Infinia credit card offers a plethora of benefits and privileges.

With the HDFC Infinia credit card, cardholders enjoy a world-class rewards program that allows them to earn reward points on their card spends. These points can be redeemed for a wide range of options, including flight tickets, hotel bookings, merchandise, and more.

One of the key highlights of the HDFC Infinia credit card is its unparalleled travel benefits. Cardholders receive complimentary airport lounge access across major airports worldwide, ensuring a luxurious and comfortable travel experience. Additionally, they enjoy exclusive privileges such as complimentary golf games, concierge services, and travel insurance coverage.

Overall, the HDFC Bank Infinia credit card is a premium offering that caters to individuals who value luxury, convenience, and personalized services. The card comes with a high annual fee of ₹12,500, but it offers a host of benefits that make it worth the cost for eligible cardholders.

If you are looking for other credit cards that offer benefits similar to Infinia, then you can refer to the cards mentioned below:
1. HDFC Diners Club Black Credit Card
2. IndusInd Bank Legend Credit Card
3. Axis Bank Reserve Credit Card
4. SBI Elite Credit Card


Best For Travel and Lifestyle
Joining Fee ₹ 12,500 plus taxes
Annual Fee ₹ 12,500 plus taxes
Welcome Bonus 12,500 reward points 
Card Network Visa

Who should get HDFC Bank Infinia Credit Card?

The HDFC Infinia Credit Card is perfect for frequent flyers who enjoy premium benefits like airport lounge access, travel rewards, hotel discounts, and concierge services. Plus, with a low annual fee, you won't break the bank while living your best life. The HDFC Infinia Credit Card is ideal for jet-setters who want to make the most of their travels without sacrificing comfort or convenience. 

Reward Points

Redemption Option Value of 1 Reward Point (RP)
Flight and Hotel Bookings via Smartbuy 1 RP = ₹ 1
Apple products and Tanishq vouchers via Smartbuy 1 RP = ₹ 1
Airmiles conversion through netbanking 1 RP = 1 Air Mile
Purchase products and vouchers via Netbanking     1 RP = upto ₹ 0.50
Cashback 1 RP = ₹ 0.30

How to apply for HDFC bank Infinia Credit Card?

Step 1: Visit the official website of HDFC Bank and navigate to the 'Credit Cards' section.
Step 2: Under the credit cards section, select 'HDFC Infinia Credit Card'.
Step 3: Review the card's features and benefits to ensure it meets your requirements.
Step 4: Click on the 'Apply Now' button to begin the application process.
Step 5: Fill out the application form with your personal and financial details. Make sure to provide accurate information.
Step 6: Upload the required documents, such as your identity proof, address proof, and income proof.
Step 7: Review and submit the application form.
Step 8: Once the application is submitted, the bank will verify your details and perform a credit check.
Step 9: If approved, the bank will send you a confirmation message with details of your new HDFC Infinia Credit Card.

HDFC Bank Infinia Credit Card Eligibility

HDFC Infinia is an invite-only card. You will only be able to get it if the bank finds you fit and sends you an invitation for the same.

Documents Required

  • Proof of Identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
  • Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
  • Proof of Income: Latest one or two salary slips (not more than three months old), latest Form 16, and the last 3 months’ bank statement.
HDFC Bank Cards Issued & Spends

Keep an eye on the credit card's monthly performance through the number of cards issued and the cumulative transaction value!

Bank name:


HDFC Bank Credit Card Customer Care Number:

1800 202 6161 / 1860 267 6161

HDFC Bank Card Offers:

View Offers

Total Cards:

HDFC Bank Credit Card News
16 May 2024, Thursday
1. HDFC Bank Launches Pixel Play: India's First Virtual Credit Card with Cashback Customisation

HDFC Bank has introduced the Pixel Play Credit Card, India's first virtual credit card, with unique features like:

  1. Customization: You can choose cashback merchants, card design and billing cycle date.
  2. Convenience: Entirely digital onboarding and management through HDFC Bank's PayZapp app.
  3. Benefits: Up to 5% cashback, contactless payments, in-app EMI conversion, and exclusive dining discounts.
  • 5% Cashback on choice of any two packs
    • Dining & Entertainment Category – BookMyShow & Zomato
    • Travel Category – MakeMyTrip & Uber
    • Grocery Category – Blinkit & Reliance Smart Bazaar
    • Electronics Category – Croma & Reliance Digital
    • Fashion Category – Nykaa & Myntra
  • 3% Cashback on choice of any one E-commerce merchant: Amazon or Flipkart or PayZapp
  • 1% Unlimited Cashback across all other spends

Who can apply?

  • For Salaried:
    • Age: Min 21 yrs & Max 60 Yrs
    • Income: Gross Monthly Income > Rs 25,000
  • For Self Employed
    • Age: Min 21 yrs & Max 65 Yrs
    • Income: ITR > Rs 6.0 Lakhs per annum
08 Feb 2024, Thursday
2. HDFC Bank launched a new range of business credit cards specifically for SMEs

The cards come in four variants - BizFirst, BizGrow, BizPower, and BizBlack - and offer benefits like interest-free credit periods, rewards on business spend, and insurance coverage.

  1. BizFirst: Entry-level card with 55 days interest-free period, 3% cashback on EMI spends, 2% on utilities & electronics, 1% on other spends. 
  2. BizGrow: Offers higher 5% cashback on business spends like GST, income tax, vendor payments, travel, business tools, and 1% on other spends. 
  3. BizPower: Premium card with 5X reward points on fuel spending, accelerated rewards on travel, dining, and utilities, and airport lounge access. 
  4. BizBlack: Flagship card with maximum rewards on all categories, complimentary airport lounge access, travel insurance, and other premium benefits. 
31 Oct 2023, Tuesday
3. Effective 1 December 2023, HDFC Bank will limit lounge access for Regalia Credit Card holders.

Starting from 1 December, the lounge access program will be tied to one's credit card spending. To avail of the lounge benefits, a credit card user must spend Rs. 1 lakh or more in a single calendar quarter, i.e., January-March, April-June, July-September, October-December. Only two complimentary lounge access vouchers will be available per quarter as part of the milestone benefit for users.

19 Oct 2023, Thursday
4. HDFC introduces enhanced Diners Club Metal Edition Credit Card

HDFC Bank has introduced the upgraded HDFC Diners Club Metal Edition Credit Card, setting it apart from the previous HDFC Diners Club Black Credit Card. The key differentiators between the two cards are as follows:

  • Annual Fee Waiver: The metal edition requires cardholders to spend 8 lakhs annually to enjoy an annual fee waiver, whereas the plastic card's threshold is 5 lakhs in annual spends.
  • Welcome Benefit: The new Metal Edition card offers a Swiggy One annual membership as a welcome benefit, replacing the earlier Forbes and MMT Black offerings. In contrast, the plastic card provided a 3-month Swiggy One membership, alongside Forbes and MMT Black.
  • Milestone Benefit: The Metal Edition introduces a new milestone benefit, granting cardholders 10,000 Bonus Reward Points on a quarterly basis. However, it no longer features the old benefits amongst Live 1 month membership/ BookMyShow /TataCLiQ /Ola cabs vouchers worth Rs. 500

This revamped credit card caters to the evolving preferences and spending patterns of customers, providing additional perks and benefits.

24 Aug 2023, Thursday
5. HDFC Bank partners with Marriott Bonvoy to launch India's first 'hotel co-branded card'.

HDFC Bank and Marriott International have launched a co-branded credit card in India, called the Marriott Bonvoy HDFC Bank Diners Club International Credit Card. The card is the first hotel co-branded credit card in India. It offers a number of benefits to cardholders, including:

  • Complimentary Marriott Silver Elite Status
  • Up to 4 free night awards
  • Accelerated Marriott Bonvoy points earning on travel, dining, and entertainment
  • Airport lounge access
  • Travel insurance
05 Jul 2023, Wednesday
6. Swiggy to launch co-branded credit card with HDFC Bank.

Swiggy is reportedly teaming up with HDFC Bank to introduce a co-branded credit card. By doing so, Swiggy would join the increasing number of e-commerce platforms like Flipkart, Myntra, and Paytm, which have already launched their own co-branded credit cards.
Swiggy's strategic decision to venture into the co-branded credit card space is aimed at strengthening customer loyalty and involvement by offering supplementary advantages and incentives through the card.

HDFC Bank Infinia Metal Edition Customer Reviews

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Frequently Asked Questions

You can also use HDFC Infinia Credit Card for free access to airport lounges, concierge services, and various travel and lifestyle benefits.

This credit card offers a range of travel benefits, including airport lounge access, air miles rewards, hotel discounts, and concierge services. These benefits are designed to make travel more comfortable and convenient for cardholders.

The annual fee for an HDFC Infinia Credit Card is Rs.12,500 + applicable taxes. However, the fee can be waived if the cardholder spends Rs.10 lakhs or more in a year. 

The HDFC Infinia Credit Card is a premium credit card that offers exclusive benefits and privileges, including airport lounge access, hotel discounts, travel rewards, and more. It's designed for high-net-worth individuals and frequent flyers who enjoy luxury and convenience while making everyday transactions.

The HDFC Infinia Credit Card provides its users with a range of exclusive benefits, including airport lounge access, reward points on transactions, lower forex markup fees on foreign currency transactions, dining and hotel discounts, concierge services, and more. Additionally, the card offers insurance benefits such as accidental air death cover and credit shield coverage, making it a perfect fit for frequent travellers and those who value premium perks.

This premium credit card offers an interest-free period of up to 50 days. If the outstanding balance is not paid within the due date, the interest rate charged is 1.99% per month.

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