HDFC Bank Infinia Metal credit card review: fees, rewards and eligibility
The HDFC Bank Infinia Metal has a recorded annual fee of ₹12,500 plus GST and a base earn of 5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples. CardMasters checked its issuer terms on 2026-07-30. Affiliate commission never changes ranking; confirm final terms and approval with HDFC Bank.
HDFC Bank Infinia Metal: short answer
The HDFC Bank Infinia Metal is in the super-premium tier of HDFC Bank credit cards, with a joining fee of ₹12,500, an annual fee of ₹12,500 plus GST (waived on ₹10,00,000 of eligible annual spend), a base earn of 5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples and a 2% forex markup. Rewards are not earned on fuel, rent, property management, wallet load, easy emi. It suits travel, online shopping, high spender spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-30. Confirm final terms with the issuer.
Reward structure
5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples
- Up to 10X through eligible SmartBuy routes; accelerated rewards capped at 15,000 RP/month, including 3,000 RP/month for GyFTR/Woohoo brand vouchers on Eligible SmartBuy travel, shopping and brand-voucher routes — Merchant-specific SmartBuy routing is displayed but deliberately not mapped to broad recommendation categories.
- 5 Reward Points per ₹150 on grocery, capped at 2,000 RP/month on grocery (2,000 points monthly cap)
- 5 Reward Points per ₹150 on utility and telecom, with each published category capped at 2,000 RP/month on utility and telecom (2,000 points monthly cap) — The model conservatively shares the published utility and telecom treatment because the questionnaire does not separate them.
- 5 Reward Points per ₹150 on insurance, capped at 10,000 RP/month on insurance (10,000 points monthly cap)
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. HDFC Bank describes Infinia Metal as invite-only and does not publish a monthly-income or credit-score cutoff on the current product page. Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, property management, wallet load, easy emi, smart emi, government, cash advance, fees.
Important limit: From 1 Jul 2026, accelerated rewards on SmartBuy brand vouchers through GyFTR/Woohoo are capped at 3,000 RP/month within the overall 15,000 accelerated-RP monthly cap.
Frequently asked questions
What is the annual fee for the HDFC Bank Infinia Metal?
The published annual fee in our current record is ₹12,500 plus applicable GST. It can be waived after ₹10,00,000 of eligible annual spend, subject to issuer terms.
How do rewards work on the HDFC Bank Infinia Metal?
5 Reward Points per ₹150 on eligible retail spend, awarded in complete ₹150 multiples. Accelerated routes include Up to 10X through eligible SmartBuy routes; accelerated rewards capped at 15,000 RP/month, including 3,000 RP/month for GyFTR/Woohoo brand vouchers on Eligible SmartBuy travel, shopping and brand-voucher routes; 5 Reward Points per ₹150 on grocery, capped at 2,000 RP/month on grocery (2,000 points monthly cap); 5 Reward Points per ₹150 on utility and telecom, with each published category capped at 2,000 RP/month on utility and telecom (2,000 points monthly cap); 5 Reward Points per ₹150 on insurance, capped at 10,000 RP/month on insurance (10,000 points monthly cap). Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the HDFC Bank Infinia Metal?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, property management, wallet load, easy emi, smart emi, government, cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the HDFC Bank Infinia Metal?
It is most relevant for people focused on travel, online shopping, high spender. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the HDFC Bank Infinia Metal worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹12,500 plus GST each year. The fee is waived at ₹10,00,000 of eligible annual spend, so check whether you reach that without forcing spend. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the HDFC Bank Infinia Metal?
HDFC Bank describes this card as invite-only. HDFC Bank describes Infinia Metal as invite-only and does not publish a monthly-income or credit-score cutoff on the current product page. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the HDFC Bank Infinia Metal?
The recorded foreign-currency markup is 2% before GST. On ₹1,00,000 of international spend that is about ₹2,000 in markup, so compare it against any rewards earned on overseas transactions.
Does the HDFC Bank Infinia Metal offer airport lounge access?
Domestic lounge access: unlimited. International lounge access: unlimited Priority Pass (primary + add-on). Spend conditions and guest charges are set by the issuer and can change.