India's Pinnacle Super-Premium Travel Card — 33.3% SmartBuy Multipliers & Unlimited Lounges
Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
₹12,500
One-time upfront₹12,500
Waived on ₹10 lakh annual spend5 Reward Points per ₹150 spent
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 16 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The HDFC Bank INFINIA Metal Credit Card is widely acknowledged as the definitive benchmark super-premium travel credit card in India. Issued strictly by invitation to high-net-worth individuals, the card commands a **joining and annual renewal fee of ₹12,500 + GST**, which is waived upon achieving retail spending of ₹10,00,000 in the anniversary year. The initial fee is completely offset by a welcome gift of **12,500 Reward Points**, establishing an immediate 100% value recovery. The crowning jewel of the Infinia Metal card is its phenomenal reward economy: cardholders earn **5 Reward Points per ₹150 spent** on standard retail (a baseline return of 3.33%), which surges to an astonishing **5X Reward Points (up to 33.3% value back)** when booking flights and hotels through the HDFC SmartBuy portal. Because 1 Infinia Reward Point converts 1:1 (₹1.00) against flight and luxury hotel redemptions, high spenders can effortlessly fund first-class international vacations purely through everyday credit card point redemptions. Airport privileges are truly uncompromising: cardholders receive **unlimited complimentary domestic and international airport lounge access** for both primary and add-on cardholders via Priority Pass, along with **complimentary guest visits**. Further enhancing its luxury credentials are unlimited complimentary golf games and coaching sessions, a discounted foreign currency markup of **2.00% + GST**, and a low 1.99% monthly APR. For affluent individuals who qualify, HDFC Infinia Metal is the undisputed king of Indian credit cards.
Earn up to 10X Reward Points (33.3% value) on hotels and 5X (16.6% value) on flight bookings made via HDFC SmartBuy, capped at 15,000 accelerated points per calendar month.
Enjoy unlimited complimentary airport lounge visits at all domestic airport lounges across India and international lounges worldwide via Priority Pass for both Primary and Add-on cardholders.
Receive a complimentary 1st-year Club Marriott membership offering up to 20% off on dining and stay across Asia Pacific, plus unlimited complimentary golf games and coaching sessions.
Pay an industry-low 2.00% foreign exchange markup on all international online and offline retail transactions.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| SmartBuy Hotels & Experiences | 10X Reward Points on Hotels & Experiences via SmartBuy (33.3% valueback, subject to shared SmartBuy cap) | 15,000 Reward Points/mo | Standard terms apply |
| SmartBuy Flight Bookings & Apple Vouchers | 5X Reward Points on Flight Bookings via SmartBuy (16.6% valueback, subject to shared SmartBuy cap) | 15,000 Reward Points/mo | Standard terms apply |
| All Other Retail Spends | 5 Reward Points per ₹150 spent on all retail transactions (3.33% valueback; 1 RP = ₹1.00 on flights/hotels) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| SmartBuy Hotels & Experiences | ₹6,000 | 10X Reward Points on Hotels & Experiences via SmartBuy (33.3% valueback, subject to shared SmartBuy cap) | — | ₹15,000/monthly | Calculating... | Under cap |
| SmartBuy Flight Bookings & Apple Vouchers | ₹6,000 | 5X Reward Points on Flight Bookings via SmartBuy (16.6% valueback, subject to shared SmartBuy cap) | — | ₹15,000/monthly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 5 Reward Points per ₹150 spent on all retail transactions (3.33% valueback; 1 RP = ₹1.00 on flights/hotels) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹12,500
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Strictly by invite-only for high-net-worth HDFC Bank clients meeting premium income or banking relationship criteria. • Joining Fee: ₹12,500 + GST (Welcome benefit of 12,500 Reward Points upon fee payment). • Annual Renewal Fee: ₹12,500 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹10,00,000 in the preceding anniversary year. • Base Rewards: 5 Reward Points per ₹150 spent on all retail transactions (3.33% base reward rate). • SmartBuy Accelerated Multipliers: Up to 5X Reward Points (33.3% reward return) on flight and hotel bookings via SmartBuy (1 RP = ₹1.00 on flights/hotels; monthly cap of 15,000 bonus points). • Domestic Airport Lounge Access: Unlimited complimentary domestic lounge access for primary cardholders, add-on holders, and accompanying guests. • International Airport Lounge Access: Unlimited complimentary international airport lounge access via Priority Pass with complimentary guest visits. • Golf Privileges: Unlimited complimentary golf green fees and coaching sessions worldwide. • Foreign Currency Markup: 2.00% + GST on all foreign currency transactions. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹1,00,000.
Evaluate whether this card's perks and waiver threshold justify its ₹12,500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding HDFC Bank INFINIA Metal Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official HDFC Bank portal with paperless verification.
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Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
HDFC Infinia dominates SmartBuy and flexible travel, but HSBC Premier strikes back with 1:1 Accor transfers, tax payment rewards, and a 0.99% forex markup. We calculate the exact math on utilities, insurance, and hotel points.
