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Super Premium Visa

HDFC Bank Infinia Metal

HDFC Bank · Visa

★★★★½ 4.8/5
Joining Fee ₹12,500
Annual Fee ₹12,500
Fee Waiver Not waivable — complimentary on invite basis for select customers
Forex Markup 2% + GST (effective ~2.36%)
Lounge Access Unlimited domestic + international via Priority Pass (add 2 guests)

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Welcome Benefit

12,500 reward points on first spend; complimentary Club Marriott membership

Earn Rates

3.3% base (5 reward points per ₹150 = 1 RP ≈ ₹1); 10X on SmartBuy portal

Key Highlights

  • Best reward rate in India for an all-round card — 3.3% effective base
  • Reward points transfer to Air India, Singapore Airlines KrisFlyer, InterMiles, Marriott Bonvoy, Club Vistara (via SmartBuy)
  • Complimentary golf rounds at select courses
  • No pre-set spending limit (dynamic credit limit)
  • 24/7 concierge service

Milestone Benefits

  • 10,000 RP bonus on ₹8L annual spend
  • Annual fee reversal is NOT applicable on Infinia Metal

Lounge Access

Unlimited domestic + international via Priority Pass (add 2 guests); 4 guests per visit on DragonPass

Fuel Surcharge Waiver

1% surcharge waiver at all fuel stations; max ₹250/month

Best For

  • High spenders (₹10L+/year)
  • Frequent flyers
  • Hotel loyalty maximisers

Not Great For

  • Moderate spenders — annual fee is steep
  • Those wanting a waivable fee
Verified: Data last verified 17 June 2026. Sources: www.hdfcbank.com , cardexpert.in , www.technofino.in

Frequently Asked Questions

What is the Infinia Metal joining fee?

The joining and annual fee is ₹12,500 + GST (total ₹12,500 as GST is included in the quoted fee). HDFC often waives the first-year fee for select HNI and salary account customers — confirm with your relationship manager.

Can I transfer Infinia reward points to airline miles?

Yes. Points can be transferred to Air India (Flying Returns), Singapore Airlines KrisFlyer, InterMiles (IndiGo), and Club Vistara — via the HDFC SmartBuy portal. Transfer ratio is 1 RP = 0.5 air miles for most programs.

Is the Infinia Metal available to all HDFC customers?

No. It is available by invite only to select HDFC customers — typically those with a high net worth, large HDFC deposits, or significant credit card spending history with HDFC.

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