Credit Cards/HDFC Bank/HDFC Infinia Metal Credit Card

HDFC Infinia Metal Credit Card

HDFC Infinia Metal Credit Card

HDFC Bank

last updated: Oct 27, 2025

fuelutilitiesgroceryrestaurantse-commerce
Annual Fee

₹12,500

Joining Fee

₹12,500

Forex Fee

2%

Lounge Access

No lounge access

A super-premium metal credit card offering unlimited lounge access, exceptional rewards, concierge, and travel benefits.

Features of HDFC Infinia Metal Credit Card which makes it unique

Metal Body

Premium metallic construction

Elegant feel & exclusivity

Better than plastic cards

SmartBuy Multipliers

Higher multipliers via HDFC’s SmartBuy platform

Boosted rewards on travel & shopping

Better than base rates


Rewards Structure of HDFC Infinia Metal Credit Card

all spends

base

all eligible merchants

Reward Rate:5 points/₹150
Monthly Cap:no

5 RP on every ₹150 across categories

via SmartBuy / travel & hotel

accelerated

book via portal

Reward Rate:up to 10X
Monthly Cap:no

Bonus multipliers via SmartBuy platform

Milestones of HDFC Infinia Metal Credit Card

Annual Spend Milestone

₹10,00,000 : Annual fee waiver + 12,500 RP


Fees & Charges of HDFC Infinia Metal Credit Card

Fee & AmountFee Value
Joining Fee
₹12,500
Annual Fee
₹12,500
Forex Markup Fee
2%
Cash Advance Fee
2.5%
Late Payment Fee
₹1,000
Over Limit Fee
₹500
Returned Payment Fee
₹500
Cash Withdrawal Fee
3%

Renewal Conditions:Waived on ₹10,00,000 annual spend


Fee Explanation Standard bank policies apply for all fee types.

Lounge Access Benefits with HDFC Infinia Metal Credit Card

domestic Lounges

silver

Visits per year: 0

Guest access: Yes

Via Priority Pass / partner lounges

international Lounges

silver

Visits per year: 0

Guest access: Yes

Via Priority Pass

Insurance Coverage with HDFC Infinia Metal Credit Card

international travel insurance

₹50,00,000

On international trip bookings via card

credit shield / loss of life cover

₹3,00,00,000

Applicable only if outstanding due is claimed


Additional Features of HDFC Infinia Metal Credit Card

Contactless Payments

Tap & pay enabled

Add-on Cards

Up to 3 free add-on cards

Global Concierge

24x7 service for travel, dining, events



Welcome Bonus with HDFC Infinia Metal Credit Card

Welcome Bonus: 12,500 reward points
Bonus Conditions: Welcome bonus awarded after paying joining fee and activation


Application Process for HDFC Infinia Metal Credit Card

Processing Time

5-7 business days

Online Application

Not Available

Instant Approval

Not Available

Step-by-Step Process

1

Invitation or application via HDFC premium channel

2

Submit KYC & income documents

3

Verification by bank

4

Card dispatched in 5-7 days

Required Documents for HDFC Infinia Metal Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

applicants

Accepted documents:

IT Returns Bank Statements

HDFC Infinia Metal Credit Card Merchant Acceptance Network

Domestic Acceptance

High coverage across India

International Acceptance

Accepted globally

Online Acceptance

Yes

Payment Technologies

Contactless PaymentsSupported

Mobile Wallet Support:

Google PayApple PaySamsung PayPhone PayPaytm

Excluded Merchants

crypto exchangesgambling

Eligibility Criteria for HDFC Infinia Metal Credit Card

Quick Eligibility Check

Minimum Age

21+

Credit Score

750+

Citizenship

Indian only

Income Requirements

Salaried Applicants

₹250,000

Minimum annual income

Self-Employed Applicants

₹300,000

Minimum annual income

Who Can Apply

Important Conditions

  1. Valid PAN and KYC documents required.

How Approval Is Decided

  • High credit score (≥ 750)
  • Strong income & credit behaviour
  • Existing banking relationship may help

Pros of HDFC Infinia Metal Credit Card

  • High rewards across all spends
  • Luxury perks and concierge
  • Strong travel & insurance features

Cons of HDFC Infinia Metal Credit Card

  • Very high annual fee
  • Invite / premium target clientele only
  • Stringent spend requirement for waiver

Frequently Asked Questions about HDFC Infinia Metal Credit Card


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HDFC Infinia Metal Credit Card — Features, Benefits & Eligibility