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HDFC Bank
HDFC Infinia Metal Edition
•••• 5764Visa / Mastercard
Visa / Mastercard

HDFC Infinia Metal Edition

by HDFC Bank · Updated October 2026

HDFC's invite-only flagship: about 3.3% value-back with 1:1 redemption on flights, hotels and air miles.

Best for Ultra-premium rewards · 3.3% value-back
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You'll apply on the official HDFC Bank page. We never ask for your details.

Joining fee₹12,500
Annual fee₹12,500
Fee waiver₹10,00,000 spend
Lounge accessUnlimited worldwide
UPINo

Key benefits

01

5 reward points per ₹150 (≈3.3% when redeemed 1:1)

02

Unlimited airport lounges for you and add-ons

03

Club Marriott & ITC hotel benefits

04

Unlimited golf, 2% forex markup

Good to know

Invite-only. From 2026, redemptions are limited to 5 per month and keeping the card reportedly needs ₹18 lakh yearly spend or ₹50 lakh relationship value.

Recent changes

DevaluationHDFC Bank

HDFC Infinia: reward redemptions limited to 5 a month

Reward point redemptions are capped at 5 transactions per month across all partners (reported).

HDFC Infinia Metal Edition

See all credit card changes →

Rewards by spend category

Approximate value back on every ₹100 you spend.

Online shopping3.3%
Groceries3.3%
Food delivery & dining3.3%
Bills & recharges3.3%
Travel & flights3.3%
Everything else3.3%
Fuel–
UPI scan & pay–

Pros

  • One of India's highest reward rates
  • Unlimited lounges worldwide
  • Excellent travel redemptions

Cons

  • Invite-only
  • ₹12,500 fee unless you spend ₹10 lakh
  • Redemption limits added in 2026

Is the HDFC Infinia Metal Edition worth it?

The HDFC Infinia Metal Edition is worth it if you spend a lot on online shopping (3.3%) and groceries (3.3%). The ₹12,500 annual fee is waived when you spend ₹10,00,000 a year (about ₹83,333 a month), so it's worth it if you'll hit that. It's less suitable if invite-only.

Featured in: Best Premium & Super-Premium Credit Cards in India · Best Credit Cards with Airport Lounge Access · Best Reward Points Credit Cards in India

Compare: HDFC Infinia Metal Edition vs HDFC Diners Club Black Metal

Eligibility & documents

Age

21–60 years (salaried), up to 65 (self-employed)

Income

Invite-only (approx.)

Credit score

750+ gives the best approval chances

Documents

PAN, Aadhaar, and recent salary slips or ITR

How to apply

  1. Tap "Apply now"You'll be taken to the official HDFC Bank application page.
  2. Fill in your detailsPAN, income and address. Most applications take under 10 minutes.
  3. Complete KYCVideo KYC or Aadhaar e-KYC, depending on the issuer.
  4. Get your cardApproval usually takes 2–7 working days, and some cards are issued instantly.
Apply now

FAQs about HDFC Infinia Metal Edition

What is the annual fee of the HDFC Infinia Metal Edition?

The joining fee is ₹12,500 and the annual fee is ₹12,500 (plus GST). The annual fee is waived if you spend ₹10,00,000 or more in a year.

Can I use the HDFC Infinia Metal Edition on UPI?

No. The HDFC Infinia Metal Edition runs on Visa / Mastercard, and only RuPay credit cards can be linked to UPI.

Does the HDFC Infinia Metal Edition give airport lounge access?

Yes: Unlimited worldwide. Lounge rules can change, so check current terms with the issuer.

Who should get the HDFC Infinia Metal Edition?

It's best for ultra-premium rewards. HDFC's invite-only flagship: about 3.3% value-back with 1:1 redemption on flights, hotels and air miles.

What income do I need for the HDFC Infinia Metal Edition?

Approximately Invite-only, though the issuer makes the final decision based on your credit profile.

Alternatives

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HDFC Infinia Metal Edition₹12,500/yr · 3.3% value-back
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