HDFC Bank Infinia

The HDFC Bank Infinia Metal Edition Credit Card is a super-premium, invite-only Visa credit card crafted from metal, offering the highest tier of benefits available from HDFC Bank. It sits above the regular Infinia and represents the bank's flagship offering for its most valued customers.

Key differentiators of the Infinia Metal Edition include:

• Premium Metal Construction: Crafted from stainless steel for a distinctive look and feel
• Invite-Only Access: Cannot be applied for directly; HDFC Bank personally invites qualifying customers
• Unlimited Global Lounge Access: No caps on airport lounge visits worldwide
• Superior Reward Value: Points worth Rs. 1 each for travel and premium redemptions
• Comprehensive Lifestyle Benefits: Golf, concierge, Club Marriott, and more

HDFC Bank, India's largest private sector bank, backs this card with its reputation for reliability, extensive merchant acceptance, and superior customer service infrastructure.

• Earn 5 Reward Points per Rs. 150 spent on all retail purchases
• Get up to 10x Reward Points on SmartBuy portal for travel and shopping
• Points worth Rs. 1 each for flights, hotels, Apple products, and Tanishq vouchers
• Maximum 2,00,000 reward points per statement cycle

Travel Benefits

• Unlimited complimentary airport lounge access in India for primary and add-on cardholders
• Unlimited Priority Pass lounge access at 1,300+ lounges worldwide
• Book 3 nights, pay for 2 at participating ITC hotels
• 1+1 complimentary buffet at ITC hotel restaurants

Lifestyle Benefits

• Unlimited complimentary golf lessons and games with 100% green fee waiver globally
• 24x7 Global Personal Concierge for travel, dining, and entertainment bookings
• Complimentary Club Marriott membership with up to 25% off dining at 350+ hotels
• Airport VIP meet-and-greet services

Insurance Benefits

• Rs. 3 Crore Air Accident Cover
• Rs. 50 Lakh Emergency Overseas Medical Cover
• Rs. 9 Lakh Credit Shield for accidental death/disability
• Rs. 9 Lakh Lost Card Liability Protection

Additional Benefits

• 1% fuel surcharge waiver (max Rs. 1,000 per cycle)
• 2% forex markup - among the lowest for premium cards
• Up to 50 days interest-free credit period
• Smart EMI conversion for large purchases

• 12,500 Reward Points upon fee realization and card activation (worth Rs. 12,500)
• Complimentary Club Marriott Membership for the first year of cardholding
• Two one-time stay certificates at Marriott properties in India

Renewal Benefits

• 12,500 Reward Points upon renewal fee realization and card activation
• Effectively makes the card free if you redeem points for travel

Annual Fee Waiver

Spend Rs. 10 lakh or more in the preceding 12 months before your renewal date, and the annual fee of Rs. 12,500 + GST is completely waived for the next year.

Note: For cards issued before October 18, 2021, the fee waiver threshold is Rs. 8 lakh.

Enjoy unlimited complimentary lounge access at airports across India for both primary and add-on Infinia cardholders. Simply swipe your Infinia card at participating lounges to gain entry.

• A nominal transaction fee of Rs. 2 is charged per visit for Visa cardholders
• Valid at all participating domestic airport lounges
• No limit on number of visits

International Lounge Access via Priority Pass

Access 1,300+ airport lounges worldwide through complimentary Priority Pass membership:

• Unlimited free visits for primary Priority Pass holder
• Add-on Priority Pass holders also get unlimited complimentary access
• Guest visits charged at USD 27 + GST per visit per guest
• Must present Priority Pass card at lounge entrance

How to Access

1. For domestic lounges: Present your HDFC Infinia card and complete a Rs. 2 transaction
2. For international lounges: Present your Priority Pass card (issued separately)
3. Sign the Record of Visit voucher at the lounge

View complete list of Priority Pass lounges

Exclusions (No Reward Points)

• Fuel transactions
• Rent payments and property management services
• Government transactions
• Wallet loading and EasyEMI transactions
• SmartEMI conversions (points reversed)

Redemption Options & Value

Points Validity: 3 years from date of accumulation. Points expire if card is inactive for 365+ days.

Interest & Credit Charges

Transaction Fees

Penalty & Other Fees

The HDFC Infinia Metal Edition is not available for direct application. HDFC Bank identifies and personally invites qualifying customers based on their banking relationship, spending patterns, and financial profile.

Typical Eligibility Criteria

• Existing Relationship: Usually requires an existing HDFC Bank account or credit card
• Income: High net worth individuals, typically Rs. 1 lakh+ monthly income
• Credit Score: CIBIL score of 750+
• Age: 21-60 years
• Spending History: Significant credit card usage and timely repayments

How to Get Invited

1. Maintain a strong banking relationship with HDFC Bank
2. Hold and actively use premium HDFC credit cards (Regalia, Diners Black)
3. Demonstrate high spending capacity and excellent repayment history
4. Contact your HDFC Relationship Manager to express interest

Note: Meeting the above criteria does not guarantee an invitation. Final approval is at HDFC Bank's sole discretion.

Since the HDFC Infinia Metal Edition is an invite-only card, documentation requirements are typically minimal as the bank already has your KYC on file. However, the following may be requested:

Identity & Address Proof

• PAN Card (mandatory)
• Aadhaar Card
• Passport
• Voter ID / Driving License

Income Proof (if required)

For Salaried Individuals:

• Latest 3 months salary slips
• Form 16 / ITR
• 6 months bank statement

For Self-Employed / Business Owners:

• Last 2 years ITR with computation
• Last 2 years audited financials
• 6 months bank statement
• Business proof (GST registration, etc.)

In most cases, HDFC Bank will pre-approve the card based on existing records and may not require additional documentation.

The HDFC Infinia Metal Edition cannot be applied for directly. Here's how the process works:

1. Bank Identifies Eligible Customers: HDFC Bank's algorithms identify customers meeting the super-premium criteria
2. Invitation Sent: Eligible customers receive a personalized invitation via email, SMS, or through their Relationship Manager
3. Accept the Invitation: Respond to the invitation and confirm your interest
4. Verification: Bank may verify details and request any additional documents
5. Card Dispatch: Upon approval, the metal card is dispatched via secure courier
6. Activation: Activate the card via NetBanking, PhoneBanking, or SMS

How to Increase Your Chances

• Upgrade to HDFC Regalia or Diners Club Black and use actively
• Maintain high credit limits and utilization
• Keep an excellent repayment track record
• Build a strong HDFC Bank savings/salary account relationship
• Speak with your RM about your interest in premium cards

Timeline: Once invited and accepted, card delivery typically takes 7-14 working days.

The HDFC Infinia Metal Edition rightfully claims its position as India's most prestigious credit card. For cardholders who can meet the spend requirements and fully utilize its benefits, it offers exceptional value:

• The 12,500 welcome points effectively offset the first-year fee
• SmartBuy 10x rewards can yield 33%+ returns on travel bookings
• Unlimited lounge access alone can save lakhs annually for frequent travelers
• Golf privileges worth lakhs if you play regularly

Ideal For

High spenders (Rs. 10L+ annually) who travel frequently, dine at premium establishments, and appreciate exclusive lifestyle experiences.

Not Ideal For

Those who primarily spend on fuel, rent, or government transactions, or cannot meet the Rs. 10 lakh spend for fee waiver.

The gold standard for Indian premium credit cards. If you receive an invitation, accept it.