HDFC Bank Infinia Credit Card (Metal Edition)
HDFC Bank · Points/miles card · ₹12,500 annual fee
Fees & benefits
| Annual fee | ₹12,500 + GST — waived at ₹10,00,000/yr spend |
| Welcome benefit | ~₹12,500 value |
| Airport lounges | 50 domestic · 50 international / year |
| No rewards on | fuel, rent, wallet, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5 RP per ₹150 base | 3.33% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Invite-only card; reward points valued at ₹1 for SmartBuy flight/hotel redemptions (up to 10X SmartBuy accelerations not modeled).
Renewal fee ₹12,500 + GST; waived on ₹10 lakh annual spend. Separate ~₹18 lakh annual-spend retention expectation applies from 2026.
Unlimited complimentary domestic + international (Priority Pass) lounge access; modeled as 50/year each.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Confirmed 2026-07-13 against the live issuer page (JS-rendered via browser).
Quick answers
Is the HDFC Bank Infinia Credit Card (Metal Edition) lifetime free?
No, the annual fee is ₹12,500 (plus GST), waived on spending ₹10,00,000 a year.
What is the highest reward rate on the HDFC Bank Infinia Credit Card (Metal Edition)?
3.33% — 5 RP per ₹150 base. Effective value depends on monthly caps; see the caveats on this page.
Does the HDFC Bank Infinia Credit Card (Metal Edition) give airport lounge access?
Yes — 50 domestic visits/year and 50 international visits/year.
Where the HDFC Bank Infinia Credit Card (Metal Edition) fits
Ranks in our: Credit cards for airport lounge access (#5).
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.