All cards / HDFC Bank
HDFC Infinia (Metal Edition)
HDFC's flagship invite-only metal card — near-unmatched unlimited lounge access, golf, and SmartBuy travel redemptions, but the ₹12,500 fee and by-invitation approval put it out of reach for most applicants.
Rates and fees last verified 19 July 2026.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
points
Base reward rate
3.33%
Card network
Visa
Card tier
Super-premium
Reward rates by category
- Travel16.65%
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹5,00,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 12,500 Reward Points on fee realisation and card activation
- Unlimited complimentary domestic lounge access in India; unlimited international lounge access via Priority Pass (1,000+ lounges worldwide) for primary and add-on cardholders
- Complimentary Club Marriott membership for the first year
- Unlimited complimentary golf lessons and games at leading courses in India and select courses worldwide, with 100% green fee waiver at select courses
- 10X reward points on hotel and 5X on flight bookings via SmartBuy (capped monthly; a separate lower monthly cap applies to points earned via SmartBuy brand vouchers)
Pros
- + Unlimited domestic and international lounge access
- + Very high reward rate on SmartBuy travel bookings
- + Low 2% forex markup for a card of this tier
Cons
- − Invite-only for most applicants; no guaranteed open application path
- − High joining/annual fee unless ₹10L/year is spent
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.