The HDFC Infinia Metal Edition is the flagship credit card from HDFC Bank, positioned at the very top of their card portfolio. It is available exclusively by invitation to select high-net-worth customers who maintain a strong banking relationship with HDFC Bank.

Key Highlights

• Card Type: Visa Infinite on premium metal body
• Annual Fee: Rs. 12,500 (waived on Rs. 10 lakh annual spend)
• Reward Rate: 3.33% (5 points per Rs. 150, redeemable at Rs. 1/point on SmartBuy)
• Lounge Access: Unlimited domestic and international via Priority Pass
• Insurance: Rs. 3 crore air accident + Rs. 50 lakh medical cover
• Forex Markup: Just 2% (lowest in premium segment)

The card is part of HDFC Bank's Infiniti/Imperia program and is typically offered to existing customers with high credit limits, consistent spending above Rs. 8 lakh in 6 months, or total relationship value exceeding Rs. 25 lakh.

Earn 5 Reward Points for every Rs. 150 spent on retail transactions. On SmartBuy portal, earn accelerated 10X rewards (50 points per Rs. 150), capped at 15,000 bonus points per month. Points can be redeemed at Rs. 1 per point for flights, hotels, Apple products, and Tanishq vouchers.

Welcome & Renewal Benefits

Receive 12,500 Reward Points as welcome benefit on card activation and fee realization. A complimentary Club Marriott membership for the first year is also included, offering up to 20% off on dining and stays at Marriott properties across Asia-Pacific.

Travel Benefits

Unlimited complimentary airport lounge access at domestic airports for primary and add-on cardholders. Unlimited international lounge access at 1,000+ Priority Pass lounges worldwide. Book 3 nights and pay for 2 at participating ITC hotels. Industry-lowest forex markup of just 2%.

Golf Benefits

Unlimited complimentary golf games at leading courses across India and select international courses with 100% green fee waiver. Unlimited golf coaching/lessons at select Indian courses. 24x7 Golf Concierge services for bookings at 1800 118 887.

Insurance Coverage

• Rs. 3 crore accidental air death cover
• Rs. 50 lakh emergency overseas hospitalization
• Rs. 9 lakh credit shield cover
• Rs. 9 lakh lost card liability

Concierge Services

24x7 Global Personal Concierge for golf bookings, itinerary planning, private dining, airport VIP services, international gift delivery, and event planning assistance.

• 12,500 Reward Points upon fee realization and card activation
• Complimentary Club Marriott membership for the first year (up to 25% off on dining and stays across Asia-Pacific)

Renewal Benefits

• Fee Waiver: Spend Rs. 10 Lakh in the preceding 12 months to get annual fee waived
• Renewal Reward Points: If fee is charged, receive 12,500 Reward Points upon fee realization

Unlimited complimentary access to domestic airport lounges across India for both primary and add-on cardholders. Simply swipe your HDFC Infinia Metal card at participating lounges.

International Lounge Access

Unlimited complimentary access to 1,000+ international airport lounges worldwide through Priority Pass. Both primary and add-on cardholders receive complimentary Priority Pass membership. Carry your Priority Pass card and show it at lounge entry.

How to Access

• Domestic: Present your HDFC Infinia Metal card at participating lounges
• International: Use your Priority Pass card at Priority Pass network lounges
• View the list of eligible lounges at the official HDFC lounge portal

Note: Priority Pass card is issued separately and must be carried along with your credit card for international lounge access.

Earn 5 Reward Points for every Rs. 150 spent on retail transactions, translating to a 3.33% reward rate when redeemed at 1:1 value on SmartBuy.

On the HDFC SmartBuy portal, earn up to 10X Reward Points (50 points per Rs. 150) on flights, hotels, and shopping. Accelerated SmartBuy points are capped at 15,000 points per month.

Category-wise Caps

• Insurance, Government, Telecom: 10,000 points per month
• Grocery, Utility: 2,000 points per month each
• Overall cap: 2,00,000 points per statement cycle

Excluded Categories (No Reward Points)

• Fuel transactions
• Wallet reloads (PayTM, etc.)
• Rent payments
• Government transactions
• SmartEMI converted transactions

Reward Points Redemption

Redemption Limits (Effective Feb 2026)

• Maximum 5 redemptions per month
• Maximum 2 lakh points per statement cycle
• Flights, Hotels, Airmiles: 1.5 lakh points per month
• Apple/Tanishq: Up to 70% of bill via points
• Statement Credit: 50,000 points per month

HDFC Infinia Metal Edition cannot be applied for directly. It is offered exclusively by invitation to select customers. However, here are the typical criteria that improve your chances of receiving an invitation:

Income Requirements

• Annual income typically Rs. 45 lakh or above
• Or Total Relationship Value (TRV) exceeding Rs. 25 lakh with HDFC Bank

Banking Relationship

• Existing HDFC Bank customer with strong relationship
• Part of Infiniti/Imperia program for at least 3 months
• Or existing HDFC credit card with consistent high spends (Rs. 8+ lakh in 6 months)

Credit Profile

• Excellent credit score (750+)
• Clean credit history with no defaults
• Age between 21-65 years

How to Increase Your Chances

Start with an HDFC Regalia or Regalia Gold card, maintain high spends, keep HDFC Bank FDs or accounts, and wait for the bank to offer an upgrade to Infinia.

Since the HDFC Infinia Metal Edition is an invite-only card, you cannot apply directly. However, when invited, you may need:

• PAN Card
• Aadhaar Card or Passport for identity and address proof
• Latest 3 months salary slips (if salaried)
• Latest ITR or Form 16 (for income verification)
• Latest 6 months bank statements

HDFC Infinia Metal Edition is strictly invite-only. You cannot apply directly through the website or branch. Here is how the process works:

Step 1: Build Your HDFC Relationship

1. Open HDFC Bank savings account or FDs
2. Apply for an HDFC credit card (start with Regalia or Regalia First)
3. Maintain high credit card spends (Rs. 8+ lakh in 6 months)

Step 2: Qualify for Upgrade

• Demonstrate consistent spending pattern
• Maintain excellent payment history
• Build Total Relationship Value above Rs. 25 lakh

Step 3: Receive Invitation

HDFC Bank will reach out via phone, email, or NetBanking message with an upgrade offer. Accept the invitation and complete any verification required.

Documents Required (when invited)

• PAN Card
• Address Proof (Aadhaar/Passport)
• Latest ITR or Salary Slips
• Bank statements (if required)

The HDFC Infinia Metal Edition stands as the pinnacle of Indian credit cards. With an industry-leading 3.33% reward rate (up to 33% via SmartBuy), unlimited global lounge access, comprehensive insurance coverage, and premium lifestyle benefits including golf and concierge services, it delivers exceptional value for high-net-worth individuals.

The annual fee of Rs. 12,500 is easily offset by spending Rs. 10 Lakh annually. For those fortunate enough to receive an invitation, this card offers the best overall value proposition in the Indian credit card market.