HDFC Infinia (Metal Edition)

Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 3.33% base rate
• Travel: Up to 10X SmartBuy reward points on hotel bookings and 5X on flight bookings, plus 2% forex markup and Priority Pass-linked lounge access
• Domestic lounge access: Unlimited complimentary access for primary and add-on cardholders at domestic airport lounges via HDFC's own network
• International lounge access: Unlimited complimentary access at 1,000+ international lounges through a bundled Priority Pass membership
• Golf: Unlimited complimentary golf games and lessons per quarter at leading golf courses in India and select courses abroad
• Insurance benefits: Complimentary air accident cover, purchase protection, and credit shield cover as per HDFC's standard super-premium card insurance schedule (details in the Most Important Terms and Conditions)

• ✈️ Travel

  16.65% reward rate · Unlimited complimentary domestic lounge access across India for the primary and add-on cardholders, plus unlimited international lounge access at 1,000+ lounges worldwide through a bundled Priority Pass membership

• 🏨 Hotel

  Complimentary Club Marriott membership for the first year, unlocking a 20% discount on food and beverages at over 350 Marriott hotels and resorts across Asia-Pacific · 10X reward points on hotel bookings and 5X on flight bookings made through HDFC's SmartBuy portal, subject to a monthly cap; a separate, lower monthly cap applies to points earned redeeming SmartBuy vouchers

• 🌍 Forex / international spend

  2% forex markup on international transactions

• Minimum credit score: 780
• Minimum monthly income: ₹5,00,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹10,00,000
• Rewards redemption fee: No fee for redeeming Reward Points against flights/hotels via SmartBuy or for statement credit; a nominal fee applies for redemption against non-airline/hotel catalogue products
• Foreign currency markup: 2%
• Interest rate: 23.88% p.a.
• Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹1,000 per statement cycle
• Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period

• 12,500 Reward Points (worth roughly ₹12,500 at redemption) credited once the joining fee is paid and the card is activated, effectively refunding the fee in reward currency
• Unlimited complimentary domestic lounge access across India for the primary and add-on cardholders, plus unlimited international lounge access at 1,000+ lounges worldwide through a bundled Priority Pass membership
• Complimentary Club Marriott membership for the first year, unlocking a 20% discount on food and beverages at over 350 Marriott hotels and resorts across Asia-Pacific
• Unlimited complimentary golf lessons and games at leading golf courses in India and select international courses, with the green fee fully waived at participating venues
• 10X reward points on hotel bookings and 5X on flight bookings made through HDFC's SmartBuy portal, subject to a monthly cap; a separate, lower monthly cap applies to points earned redeeming SmartBuy vouchers