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HDFC BANK LTD
HDFC Infinia Metal Edition Credit Card
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Verified Catalog
Source: HDFC BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Ultra-premium metal credit card offering best-in-class reward rates, complimentary lounge access worldwide, milestone benefits and concierge services with reduced forex markup
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
Metal card design for premium feel
Highlight 2
Unlimited airport lounge access worldwide
Highlight 3
Reward rate of 5 points per ₹150 spent
Highlight 4
Fuel surcharge waiver capped at ₹1,000 per billing cycle
Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹12,500
The front-loaded charge when you apply.
Annual fee
₹12,500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹5,400
Rewards value at ~₹1 per point.
Annual Fee: ₹12,50043% Offset
Earns back 43% of your renewal fee.
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
Complimentary airport lounge access included with card membership.
Visits: 1 Domestic / 0 International per year.
Hotel Privileges
"Complimentary domestic lounge access (3 per quarter)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Basic rewards card with decent point structure and low fee; good entry-level option with partner brand benefits; limited premium benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Welcome Offer: 500 CashPoints when you join as welcome benefit
- RP to Rupees: 1 RP = ₹0.30
- Accelerated Rewards Program: 5% CashBack on 10 online merchants (Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber & Zomato)
- Travel (Hotels & Other): Complimentary domestic lounge access (3 per quarter)
Cons
- Base Rate: 1.5% back as NeuCoins on all other Non-UPI spends
- Dining: 15% F&B discount
- Lifestyle and Fashion: TATA brand offers
- Other Features: SmartPay utility bill payment service
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