Card Details
Infinia Credit Card (Metal Edition)
Monzy Score
8/ 10
Very good for frequent travellers.
The ~₹12,500 fee needs heavy spend to justify; strong ~12% back in its core category.
Card Issuer
HDFC Bank
Joining Fee
₹12,500
Annual Fee
₹12,500
Reward Type
Reward Points
Card Access
Standard
Earn Points
5 RP/₹150
Retail spends including insurance, utilities and education
Up to 10X RP
Travel & shopping via HDFC SmartBuy (overall cap 15,000 RP/month)
12,500 RP
Bonus Reward Points on joining or renewal fee payment
Benefits
5 RP/₹150 plus up to 10X via SmartBuy
- High-value rewards across categories
- Earn 5 Reward Points per ₹150 on most retail spends including insurance, utilities and education
- SmartBuy transactions can earn up to 10X Reward Points but are capped at 15,000 RP per month and 3,000 RP for brand vouchers
- Insurance rewards capped at 10,000 RP per month and grocery/telecom/utilities at 2,000 RP per month
- Fuel, rent, government payments, EasyEMI and wallet loads do not earn Reward Points
Unlimited domestic and international lounge access
- Comprehensive lounge coverage
- Unlimited domestic lounge access for both primary and add-on cardholders
- Unlimited Priority Pass international lounge visits worldwide
Club Marriott year-one membership and ITC…
1% fuel surcharge waiver
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, government, wallet, education, insurance
Estimated Returns
All retail spends (base)
5 RP per Rs 150 = 3.33 RP/100. Point worth Rs 1 for SmartBuy flights/hotels and Apple/Tanishq vouchers; Rs 0.50 for other products.
₹999
SmartBuy 10X - hotels & select brand vouchers
10X accelerated. Per Jul-2026 rule, 10X brand-voucher/category points capped at 3,000 points/month. Overall SmartBuy accelerated cap is 15,000 points/month.
₹0
SmartBuy 5X - flights
5X on flights via SmartBuy. Counts within the overall 15,000 points/month SmartBuy accelerated cap.
₹0
Total Annual Return
₹11,988
3.33% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“The definitive guide to HDFC Infinia Metal card”
by r/CreditCardsIndia, Jul 2024
“I am Cancelling My Infinia Metal CC - Here's Why”
by r/CreditCardsIndia, Jul 2024
“How I Upgraded to the HDFC Infinia Metal Card Without ₹”
by r/CreditCardsIndia, Jul 2025
“Want to know about HDFC Infinia Card? Is it worth 12500”
by r/CreditCardsIndia, Feb 2026
“My Journey to HDFC Infinia Credit Card”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The Infinia Credit Card (Metal Edition) charges ₹12,500 plus GST as a joining fee and the same ₹12,500 again at renewal. HDFC Bank waives the renewal fee if you spend ₹10L in the previous year, which is about ₹83,333 a month. If your card spend sits below that, treat ₹12,500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
SmartBuy accelerated rewards are capped at 15,000 Reward Points per month and 3,000 points for brand vouchers.
Only 70% of flight, hotel, Apple and Tanishq transactions can be paid using Reward Points; the balance must be charged to the card.
Insurance transactions earn Reward Points only up to 10,000 per month while grocery, telecom and utility spends are capped at 2,000 points per month.
