HDFC Bank INFINIA Metal Credit Card
The HDFC Bank INFINIA Metal Credit Card is a very premium card from HDFC Bank that you can only get if the bank invites you. It's designed for people who earn a lot and enjoy luxury. The card offers amazing perks like 24/7 help from a concierge, free games at top golf courses, and big discounts at high-end restaurants. It costs ₹12,500 per year, but the rewards can make up for it. You get 5 reward points for every ₹150 spent and dining discounts through Swiggy Dineout. Plus, international travelers get a low 2% currency fee and free access to airport lounges.
This card also gives great rewards. You usually get a 3.33% return on your spending, but this can go up to 33% if you shop on HDFC’s SmartBuy website. That’s better than most other top credit cards. You can use your points to book flights or turn them into airline miles. It also gives you unlimited lounge access at airports and special deals at luxury hotels like Marriott and ITC. If you love travel, fine dining, and high-end services, this card has it all.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
HDFC Infinia Metal Credit Card – Key Features and Benefits
The HDFC Infinia Metal Credit Card is the bank’s most premium and exclusive offering. It is designed for high-net-worth individuals seeking world-class privileges across travel, dining, lifestyle, and rewards. This invite-only card comes with numerous benefits, making it a top choice for frequent travelers and luxury lifestyle enthusiasts.
Welcome Benefits
New Infinia Metal cardholders receive a complimentary one-year Club Marriott membership. This membership provides:
- Up to 20% discount on dining bills for up to 10 guests
- Up to 20% off the best available room rates at participating Marriott hotels in India
- Discounts on weekend rates at Marriott properties in the Asia-Pacific region
Additionally, cardholders earn 12,500 bonus Reward Points upon payment of the joining fee.
Travel Privileges
Airport Lounge Access
The card includes a Priority Pass membership, offering unlimited complimentary lounge access worldwide for both primary and add-on cardholders. Presenting your Priority Pass card at the lounge is mandatory to avail this benefit.
Hotel Benefits
- Club Marriott: Enjoy exclusive rates and dining discounts at premium Marriott hotels as part of your one-year membership.
- ITC Hotels: Book a 2-night stay and receive 1 complimentary night at participating ITC Hotels (applicable for advance bookings only).
Flight Bookings
Through HDFC Bank’s SmartBuy platform, you can redeem Reward Points to book flights. Each Reward Point is worth INR 1. Additional deals and discounts may also be available.
Dining Privileges
Marriott Dining Benefits
The complimentary Club Marriott membership also provides:
- Up to 20% off food and beverage bills
- Up to 15% off select hotels for up to 10 guests
- Up to 20% off on room rates at Marriott hotels in India and on weekend rates in Asia-Pacific
- Up to 20% off on spa services at select Marriott hotels from Monday to Friday
Activation is done via the Club Marriott South Asia App, where you verify your mobile number and email to unlock benefits.
ITC Complimentary Buffet
Cardholders enjoy 1+1 complimentary buffets at participating ITC Hotels once per month by booking through the 24×7 concierge service.
Swiggy Dineout
Get up to INR 500 off dining bills twice a month via Swiggy Dineout on a minimum spend of INR 3,500.
Lifestyle and Golf Privileges
Golf Benefits
Infinia Metal cardholders receive unlimited complimentary golf games at leading courses in India and select international locations. Each session includes:
- Instructor fees
- 50 range balls per lesson
- Complimentary golf coaching at select courses
Bookings are made via the 24×7 Infinia concierge service.
Fuel Surcharge Waiver
A 1% fuel surcharge waiver applies on all fuel purchases between INR 400 and INR 1,00,000 at any fuel station in India. The maximum monthly waiver is INR 1,000. Note that fuel transactions do not earn Reward Points.
Annual Fee Waiver
The card’s annual fee of INR 12,500 is waived if you spend INR 10,00,000 in the previous year. Cardholders paying the annual fee receive 12,500 Reward Points as a renewal bonus.
HDFC Infinia Concierge Services
The Infinia card offers 24×7 concierge services to assist with:
- Golf and travel bookings
- Private dining arrangements
- Airport VIP services
- Itinerary planning and reservations
- International gifting
- Event planning and referrals
Reward Points and Redemption
Earning Reward Points
- 5 Reward Points per INR 150 spent on most transactions
- Reward Points for insurance transactions capped at 10,000 per month
- Grocery, telecom, and utilities capped at 2,000 points per month
- 10X accelerated Reward Points on travel and shopping via SmartBuy (capped at 15,000 points/month)
- Exclusions: fuel, rent, property management, government payments, EasyEMI, and e-wallet reloads
Redeeming Reward Points
Reward Points can be redeemed via SmartBuy or NetBanking for:
- Flight and hotel bookings (1 RP = INR 1)
- Conversion to airline miles (1 RP = 1 AirMile for some partners)
- Purchase of products and vouchers (1 RP = INR 0.50)
- Tanishq and Apple vouchers (1 RP = INR 1)
- Cashback against statement balance (1 RP = INR 0.30)
Redemption limits:
- Hotel and flight bookings: 1,50,000 points/month
- Tanishq vouchers: 50,000 points/quarter
- Maximum 70% of certain payments can be made using Reward Points
Transfer Partners
HDFC Infinia supports conversions to major airline and hotel loyalty programs, including:
- Air Canada Aeroplan, SpiceClub, Avianca LifeMiles, Turkish Airlines Miles & Smiles
- United MileagePlus, British Airways Avios, Finnair Plus, AirAsia Rewards, Etihad Guest
- Club ITC, Accor ALL, IHG One, and Wyndham Rewards
SmartBuy Platform
SmartBuy is HDFC Bank’s dedicated rewards portal. Cardholders can:
- Earn accelerated points
- You can use your reward points to book flights, stay at hotels, buy products, or get vouchers.
- Access ongoing offers and exclusive deals
Fees and Charges
- Joining Fee: INR 12,500 + applicable taxes
- Annual Fee: INR 12,500 + applicable taxes
- Interest Rate: 1.99% per month (23.8% annually) on outstanding amounts
- Forex Mark-Up Fee: 2% on foreign currency transactions
Eligibility for HDFC Infinia Metal Credit Card
The Infinia Metal Card is invite-only. Typical criteria include:
- Age: 21–65 years
- High annual income (usually INR 45 lakh or more)
- Strong credit history and relationship with HDFC Bank (Total Relationship Value > INR 25 lakh)
- Existing HDFC credit card with high spending patterns (e.g., INR 8 lakh in the last six months)
Who Should Apply?
The Infinia Metal Credit Card suits high-net-worth individuals seeking:
- Premium travel privileges and lounge access
- High Reward Point accrual
- Comprehensive concierge services
- Exclusive lifestyle, dining, and golf benefits
Although the card carries high fees, the rewards and privileges make it highly valuable for eligible clients.
HDFC Infinia Metal Credit Card Review
The HDFC Infinia Metal Credit Card combines luxury, convenience, and reward opportunities. From unlimited airport lounge access and hotel perks to lifestyle privileges and accelerated Reward Points, the card is designed for clients with significant spend and travel habits. For those invited, the card offers exceptional value and unmatched experiences.
What is the credit limit offered on Infinia Credit Card?
The credit limit on HDFC Infinia is different for each person. It depends on things like your credit score, income, and how well you can repay the amount. You’ll find out your limit when you receive your welcome kit.
How to get HDFC Infinia Credit Card?
You can get the Infinia card if you are invited by HDFC Bank. Speak to your relationship manager if you have a long history with the bank to check if you're eligible for an upgrade.
How to Redeem HDFC Infinia Reward Points?
You can use your points on the HDFC SmartBuy website or through net banking. You’ll get 1:1 conversion for flights, hotels, or products like Apple and Tanishq. For product purchases or cashback, each point is worth Rs. 0.50 and Rs. 0.30, respectively.
What are the Benefits of HDFC Infinia Credit Card?
HDFC Infinia offers a 3.33% reward rate with 1:1 redemption for flights, hotel bookings, and products like Apple and Tanishq. Other benefits include unlimited lounge access, hotel perks, low forex fees, unlimited golf games, and concierge services.
How can I avail Priority Pass benefit on HDFC Infinia Card?
You’ll receive a Priority Pass card along with the credit card. Show this card along with your Infinia card at Priority Pass lounges to get free access.
Is Infinia better than Regalia?
Yes, HDFC Infinia offers better rewards, unlimited lounge access, and exclusive benefits like ITC and Marriott hotel perks, and a lower forex fee. However, it comes with a higher annual fee and stricter eligibility compared to Regalia.
Do add-on cardholders get the insurance benefits?
No, only the primary cardholder is eligible for insurance benefits.
What is the validity of the Reward Points?
HDFC Infinia reward points expire after 3 years from when they are earned. If you don't use the card for a whole year, your points will be nullified.
What is the process to apply for the HDFC Infinia Credit Card?
The HDFC Infinia card is only given through an invitation, so you can't apply for it yourself. However, if you’ve had a long relationship with HDFC Bank and have a high net value with them, you can speak to your relationship manager to check if you're eligible for an invite.
What is the customer care number for the HDFC Infinia Credit Card?
You can reach HDFC Infinia customer care anytime by calling 1800 266 3310, 1800 102 3310, or 022 6171 7606. They are available 24/7.
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