INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa Infinite / Mastercard World EliteTravel & Aviation CardsLast Verified: 2026-09-28

HDFC Infinia Credit Card (Metal Edition)

एचडीएफसी इनफिनिया क्रेडिट कार्ड (मेटल एडिशन)

Super-premium invite-only metal card offering up to 33.3% rewards via SmartBuy, unlimited global airport lounge access, and 1:1 air miles redemption.

Annual Fee₹12,500 + GST (Renewal: ₹12,500 + GST)

Reward Rate5 Reward Points per ₹150 spent on all retail transactions (base 3.33% reward rate). Up to 5X Reward Points (33.3% effective return) on flights, hotels, and partner vouchers booked via HDFC SmartBuy portal (capped at 10,000 bonus points per month).

Airport LoungeUnlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders with unlimited guest access privileges.

Forex MarkupLow 2.00% + GST markup on foreign currency transactions.

What Is This Card

HDFC Infinia (Metal Edition) is India's most coveted super-premium credit card. Strictly invite-only, it delivers an unrivaled 33.3% effective return on flights and hotel bookings through SmartBuy, unlimited global airport lounge access with guest privileges, and a metal card body.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹12,500 + GST (Renewal: ₹12,500 + GST)

Fee Waiver: Spend ₹10,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹12,500 waived.

🎁Welcome Benefit

12,500 Reward Points (worth up to ₹12,500) credited upon fee realization and card activation, plus complimentary Club Marriott membership for 1 year.

⚡Reward Points Structure

5 Reward Points per ₹150 spent on all retail transactions (base 3.33% reward rate). Up to 5X Reward Points (33.3% effective return) on flights, hotels, and partner vouchers booked via HDFC SmartBuy portal (capped at 10,000 bonus points per month).

Redemption Value: 1 Reward Point = ₹1.00 for flight and hotel bookings on SmartBuy. 1 RP = 1 Air Mile on Singapore Airlines KrisFlyer, British Airways Avios, and Air France Flying Blue. 1 RP = ₹0.30 on cash statement redemption.

🛫Airport & Railway Lounge Access

Unlimited complimentary domestic airport lounge access for primary and add-on cardholders. Unlimited complimentary international airport lounge access worldwide via Priority Pass for primary and add-on cardholders with unlimited guest access privileges.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹3 Crores. Emergency medical expenses overseas up to ₹50 Lakhs. Credit shield cover up to ₹9 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions across India (minimum transaction ₹400, maximum waiver of ₹1,000 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee waiver on ₹10 Lakhs annual spend. Unlimited complimentary golf rounds across premier golf courses in India and internationally.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Strictly invite-only; cannot be applied for open-market without meeting strict HDFC internal thresholds (typically ₹2.75 Lakhs monthly net salary and existing HDFC credit limit exceeding ₹8 Lakhs). SmartBuy multiplier bonus points carry a monthly cap of 10,000 points. Spend waiver requires ₹10 Lakhs annual spend.

Forex Markup FeeLow 2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 1.99% monthly finance charges from date of withdrawal.

Finance Charges (Interest)Preferential 1.99% per month (23.88% per annum) on revolving credit balances, substantially lower than commercial 43.2% rates.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryReward points expire 3 years (36 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel, wallet loads, rent payments, educational institutional fees, and government tax payments do not earn reward points.

Eligibility Criteria

By invitation only. Salaried individuals typically requiring net monthly take-home salary exceeding ₹2,75,000. Self-employed individuals requiring audited annual ITR exceeding ₹36,00,000.

Age Requirement21 to 70 Years

Minimum Income₹2,75,000/month net (Salaried) / ₹36,00,000/year ITR (Invite-only)

CIBIL Score NoteExceptional credit history with CIBIL score of 780+ and pristine banking record required.

SBI RelationshipHigh-net-worth HDFC Imperia or Preferred banking relationship strongly preferred.

How to Apply (Official Procedure)

Online Digital Application Flow

1Check eligibility via HDFC Relationship Manager or check for invite banner in HDFC NetBanking.

2Submit formal upgrade request from existing Regalia/Diners card (minimum existing credit limit ₹8 Lakhs).

3Provide latest 3 months' salary slips showing net pay > ₹2.75 Lakhs or audited ITR.

4Underwriting desk reviews total relationship value (TRV) and past repayment history.

5Complete digital confirmation and biometric V-KYC if required.

6Handcrafted metal card is delivered via specialized secure courier within 5 business days.

Branch Application for Offline Applicants

Contact your designated HDFC Branch Manager or Imperia Client Relationship Manager with verified salary slips and tax computations.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card or Passport

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation (ITR > ₹36 Lakhs)

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Infinia Credit Card (Metal Edition)?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at Preferential 1.99% per month (23.88% per annum) on revolving credit balances, substantially lower than commercial 43.2% rates. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Infinia Credit Card (Metal Edition) into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Infinia Credit Card (Metal Edition)?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00 for flight and hotel bookings on SmartBuy. 1 RP = 1 Air Mile on Singapore Airlines KrisFlyer, British Airways Avios, and Air France Flying Blue. 1 RP = ₹0.30 on cash statement redemption. Please note: Reward points expire 3 years (36 months) from the date of accrual.

What is the interest-free grace period on HDFC Infinia Credit Card (Metal Edition) and how does it work?

The interest-free period on HDFC Infinia Credit Card (Metal Edition) is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Preferential 1.99% per month (23.88% per annum) on revolving credit balances, substantially lower than commercial 43.2% rates.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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