Fees read from issuer pageUpdated 2026-07-28

HDFC Bank

INFINIA Credit Card (Metal Edition)

₹12,500 a year

LinePersonal
Joining fee₹12,500
Annual fee₹12,500
Forex markup2%

Rewards, as stated by the issuer

  • Earn 5 Reward Points on every Rs.150 spent*​
  • Earn up to 10x Reward Points on Smartbuy spends*
  • A. Reward Points Accrual:
  • Earn 5 Reward Points on every Rs.150 retail* spends including Insurance, Utilities and Education
  • Earn up to 10 times Reward Points* on your travel and shopping spends on Smartbuy
  • You can redeem your Reward Points on Smartbuy or Netbanking
  • Redeem your Reward Points on SmartBuy or NetBanking
  • Reward points redemption against each category can be redeemed at:
  • Airmiles conversion
  • Upto 1 Airmile
  • up to ₹0.50
  • Cashback against statement Balance
  • up to ₹ 0.30
  • A maximum of 2 lakh reward points can be redeemed in a statement cycle
  • Reward point redemption will be capped at 1.5 lakh reward points per month for Flights, Hotel Bookings and airmiles
  • Reward points can be redeemed for up to 70% of the total bill value on purchase of Apple products and Tanishq vouchers. The remaining amount will have to be paid via Credit Card
  • Reward Point redemptions are capped per month to 50,000 reward points against statement balance

Other benefits

  • Book stay for 3-nights & pay for 2 at participating ITC hotels. Here.​
  • Unlimited Complimentary Global golf lessons & games. Here.​
  • 24 x 7 Global Personal Concierge for customized bookings & assistance
  • 1+1 buffet at participating ITC hotels. Here
  • Up to 25% discount on Dining & stay across Asia-Pacific with Complimentary Club Marriott Membership
  • Unlimited Complimentary Golf lessons & games at leading courses across India and select courses across the world
  • Enjoy 100% green fee waiver at select golf courses worldwide
  • 24x7 Golf Concierge Assistance services for booking/cancellation at 1800 118 887 | 022 42320226
  • To check the golf course list
  • Here are some of the services provided by our concierge.​
  • Itinerary planning and reservation assistance
  • Private dining assistance
  • International gift delivery
  • Event planning and referrals
  • Airport VIP service (meet-and-greet) and much more
  • Concierge Services
  • The HDFC Bank Infinia Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets
  • To see if your Card is contactless, look for the contactless network symbol on your Card

Welcome & milestones

Welcome

  • Complimentary Club Marriott membership for first year. Here.​
  • Welcome benefit of 12,500 reward points*​
  • Up to 25% discounts for Dining & stay across Asia – Pacific region​
  • Member's Night on Monday: Buy one drink, get a complimentary second drink
  • Member's Day on Tuesday: 50% off on food bill & 25% off on beverage bill
  • Renewal benefit 12,500 Reward Points* upon fee realization and card activation
  • Renewal fee waiver - Spend 10 lakhs or more in the preceding 12 months and get renewal membership fee waived off for next year
  • Travel, Hotel & Dining Benefits

Milestones

None listed.

Lounge access

International: Unlimited complimentary global airport lounge access for primary and add-on cardholders. Here

Programme: Priority Pass

Every fee line found on the page

  • Up to 25% discount on Dining & stay across Asia-Pacific with Complimentary Club Marriott Membership
  • Foreign Currency Markup : Lowest markup fee of 2% on all foreign currency transactions.
  • Fuel Surcharge Waiver : 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs.400 and Rs.1,00,000. Note - No Reward Points are earned on fuel transactions. More Details
  • Joining Fee: ₹12,500 plus Applicable Taxes
  • Renewal Fee: ₹12,500 plus Applicable Taxes
  • Fee Waiver: Spend ₹10 lakh or more in a year before the renewal date to get the renewal fee waived.
  • Joining Fee: ₹10,000 plus Applicable Taxes
  • Renewal Fee: ₹10,000 plus Applicable Taxes
  • Fee Waiver: Spend ₹8 lakh or more in a year before the renewal date to get the renewal fee waived.
  • No, the Infinia Metal Credit Card is not free. There is a joining fee of ₹12,500 plus applicable taxes and an annual renewal fee of ₹12,500 plus applicable taxes.
  • On spending ₹10 lakh or more in the preceding 12 months, get a renewal fee waiver in the next year