The HDFC Bank Infinia Metal Edition Credit Card is a luxury credit card tailored for high-net-worth individuals who seek elite benefits and exclusive rewards. Its USP lies in offering premium perks, such as unlimited airport lounge access, personalized concierge services, and exclusive hotel and flight upgrades. Ideal for frequent travelers, business professionals, and luxury seekers, it provides rewards on travel, dining, and shopping, along with complimentary memberships to global lifestyle services. This card enhances the luxury experience with exclusive privileges, making it perfect for those who value prestige, flexibility, and exceptional rewards.
Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.
Renewal Benefits
Bonus 12,500 Reward Points on card renewal
USP's:
Complimentary Dine Out Passport membership, Low foreign currency markup fee, Access to unlimited complimentary golf games, Complimentary Club Marriott membership
Fees & Charges
Joining & Renewal Fees
12500/-
Interest & Charges
APR 42%
Additional Charges
Cash Withdrawal Fees 2.50 %
Rewards
Upto 50 Reward Points
Upto 25 Reward Points
Upto 15 Reward Points
can be earned per month
Milestone Benefits
12500 Reward Points on Card Activation and Fee RealisationRenewal Fee Waived Off.
Exclusions
Education Third Party, EMI, Fuel, Government, Rent, Wallets
Rewards capping
Rewards Validity
2 Years
Redemption modes
Hotel Transfer
Airline Transfer
Travel Booking
Pay by Points
Catalouge Products
Cashback
Additional Features
Lounge Benefits
International :
Domestic :
Insurance Benefits
Accidental Air Death Cover
Other Perks
2+1 Nights Complimentary night @ ITC Hotels
Club Marriott Membership
Global Personal Concierge
Unlimited Golf Games and Coaching
1+1 Complimentary buffet at participating ITC Hotels.
Eligibility Criteria
Age
21Y
Min
60Y
Max
Credit Score
750
Ex Min
Income
(
Self Employed
)
₹
60 Lakhs ITR
Income
(
Salaried
)
₹
60 Lakhs ITR
Other: Card-to-card eligibility requirements.
Pros
Earn 4 reward points per ₹150 spent on retail purchases, including insurance, utilities, and education.
Accelerated 20 reward points per ₹150 spent at select merchants like Nykaa, Myntra, Marks & Spencer, and Reliance Digital.
Complimentary access to 12 domestic and 6 international airport lounges annually.
Milestone benefits include vouchers up to ₹16,000 each year.
Cons
High annual fee of ₹2,500 plus applicable taxes.
Reward points capped at 2,000 per month for grocery transactions and 2,000 per day for insurance payments.
No reward points on fuel, EasyEMI, wallet loads, rent, and government-related transactions.
Annual fee waiver requires spending ₹4 lakh in a year, which may be high for some users.
