HDFC Bank Infinia Metal is best for very high spenders who want india’s top reward rate. 3.33% value back on regular spends.
Effective value back per ₹100 spent. 5 reward points per ₹150; points valued at ₹1 on flights and hotels via SmartBuy.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹-2,762 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹-1,763 |
| Frequent traveller ₹8,04,000/yr spend | ₹8,392 |
| Family & groceries ₹5,88,000/yr spend | ₹2,832 |
Unlimited domestic and international lounge access
Devaluation HDFC Bank
Redemptions capped at 5 a month. Retention criteria (₹18 lakh yearly spend or ₹50 lakh relationship) announced from 2027.
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The HDFC Bank Infinia Metal credit card has a joining fee of ₹12,500 and an annual fee of ₹12,500, plus 18% GST. The annual fee is waived if you spend ₹10,00,000 or more in a card year.
The HDFC Bank Infinia Metal card is best for: very high spenders who want india’s top reward rate. Its main strengths are: 3.33% value back on regular spends; up to 10x points through hdfc smartbuy. Its main drawback: largely invite-only, with a very high income requirement.
The HDFC Bank Infinia Metal card charges a 2% forex markup on international transactions, plus 18% GST on the markup.
Yes: Unlimited domestic and international lounge access. Banks often attach spend conditions to lounge access, so check the latest terms.