Infinia Credit Card Metal Edition

A ₹1 lakh month on Infinia

Put ₹1,00,000 of ordinary spends on HDFC Infinia Metal in a month and you earn about 3,333 Reward Points. The rate is 5 points per ₹150, not per ₹100. Redeem them on SmartBuy flights and hotels at ₹1 a point and that month is worth about ₹3,333, a 3.33% return before any accelerated earn.

Keep that up for a year and you spend ₹12 lakh. You earn about 40,000 points, plus 12,500 renewal points, and you clear the ₹10 lakh spend that waives the ₹12,500 + GST renewal fee. On paper, a very good year. The complication is a second, higher spend line that users say decides whether you keep the card at all, covered below.

This is the Metal Edition, the only Infinia HDFC now issues. Users report the old plastic Infinia was withdrawn and holders moved to metal.

SmartBuy: the 10X ceiling and the 3,000 cap

SmartBuy is where Infinia's big numbers come from. Flights, hotels and shopping through the portal earn up to 10X, so up to 50 points per ₹150. That is a ceiling, not a rate you get on everything:

• Accelerated points stop at a monthly cap. Our records show 15,000, but whether that is rupees or points is unconfirmed.
• Brand-voucher points are capped at 3,000 a month, per Monzy's change log for July 2026.
• After the cap, spend earns the base 5 points per ₹150.

Users also report SmartBuy fares and room rates sometimes being higher than on the airline or hotel's own site. Check both before you book; a ₹2,000 price gap cancels ₹2,000 of points.

₹10 lakh to waive the fee, ₹18 lakh to keep the card

Monzy's records and user reports describe continuation criteria of about ₹18 lakh a year from April 2026, and holders who missed it say they got downgrade notices. The bank page we checked in October 2026 still shows only the ₹10 lakh fee waiver. Treat them as two rules: ₹10 lakh saves the fee, while ₹18 lakh, about ₹1.5 lakh a month, is what users say HDFC now expects.

Lounges, forex and the rest

• Unlimited domestic and international lounge access through Priority Pass, for primary and add-on cardholders.
• 2% forex markup.
• ITC Hotels stay benefit, 1+1 buffets at participating ITC Hotels, first-year Club Marriott, unlimited golf and a 24x7 concierge.
• Fuel surcharge waiver up to ₹1,000 a cycle. Our CMS lists fuel, rent, government and wallet loads as earning no points.

Users also report the metal card's magnetic strip wearing out, with repeat replacements.

Who Infinia still makes sense for

Infinia is invite only. Users describe getting it by upgrading from a high-limit HDFC card with large recent spends, through relationship banking, or through pre-approved offers.

It still makes sense if you spend ₹18 lakh or more a year, fly often, and redeem on flights and hotels. If your spend sits between ₹8 lakh and ₹15 lakh, users point to Diners Club Black Metal, which shares the SmartBuy engine and waives its fee at ₹8 lakh. For peers, see credit cards for travel in India.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva