HDFC Bank Infinia Credit Card (Metal Edition) review
One of India's most rewarding cards for big spenders who redeem points for flights, hotels or air miles, where it returns about 3.3% on almost everything. You can't apply for it directly; HDFC invites customers, and it now expects ₹18 lakh a year of spending or a large balance with the bank. If you only want cashback, the value drops to about 1%.
Fees
₹12,500 a year + GST. Renewal fee waived if you spend ₹10 lakh or more in the previous 12 months. Forex markup 2%.
Rewards
Statement credit pays up to ₹0.30 a point, products and vouchers up to ₹0.50. SmartBuy flights and hotels, Apple products and Tanishq vouchers pay ₹1 (points can cover up to 70% of the bill), and airline miles transfer at up to 1:1. No redemption fees.
- Groceries: 1% – Grocery points capped at 2,000 a month
- Fuel: 0% – No points on fuel; 1% surcharge waiver on ₹400–₹1 lakh transactions, up to ₹1,000 a cycle
- Flights & hotels: 1% – Base rate when booked directly. SmartBuy pays up to 10X (hotels) and 5X (flights), with extra SmartBuy points capped at 15,000 a month (no more than 3,000 of them from gift vouchers since July 2026).
- Bills: 1% – Utility points capped at 2,000 a month; telecom bills have a separate 2,000-point cap
- Rent: 0% – No points on rent; 1% fee (max ₹3,000) from the second third-party rent payment in a month
- Insurance: 1% – Insurance points capped at 10,000 a month
- Education: 1% – Earns only when paid directly to the institution; third-party apps earn nothing
- UPI with a credit card: 0% – No RuPay variant, so it can't be used for UPI payments
- Foreign currency: 1% – Earns base points; 2% forex markup
- Everything else: 1%
On a typical spending pattern this card gives back about ₹4,200 a year.
What’s good
- 5 points per ₹150, worth about 3.3% when redeemed for flights, hotels or air miles
- Up to 10X points on SmartBuy travel bookings
- Unlimited lounge visits in India and abroad, for add-on cardholders too
- Unlimited golf games and lessons, a 24x7 concierge and ITC hotel stay and buffet offers
- 2% forex markup and points that stay valid for 3 years
What’s not
- Invitation only, usually for very high incomes or large HDFC relationships
- From April 2026, keeping the card needs ₹18 lakh of yearly spend or ₹50 lakh of relationship value
- Points are worth only ₹0.30 as statement credit; full value needs SmartBuy travel or airline transfers
- Groceries and utilities are capped at 2,000 points a month each
Lounge access
Domestic: Unlimited, for primary and add-on cardholders. International: Unlimited through Priority Pass, for primary and add-on cardholders.