HDFC Bank Infinia Credit Card Metal Edition Review

The hdfc infinia metal credit card is unmatched when it comes to premium features and benefits. It is the very first metal credit card from HDFC which comes loaded with several premium offers and benefits that can easily suppress other premium credit cards. It offers exclusive rewards, premium dining benefits, free access to airport lounges, exclusive deals on hotel booking, and lots more, making it one of the most premium cards you can get in India. 

Hdfc infinia credit card eligibility criteria:

Since it is an invite-only credit card, there is no clear mention of its eligibility criteria, but as per our experience, we can say that it should be like this. 

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The Annual Income Tax Return of the applicant should be greater than Rs. 50,00,000.
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be greater than Rs. 50,00,000. 
  • A long relationship with the bank will help you to get this HDFC infinia card
  • An excellent credit score (above 790) is needed to apply for this hdfc bank infinia card.

 Required documents to get this hdfc credit card infinia metal edition:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

Once your application is submitted you can track hdfc credit card application status from the hdfc online credit card application status tracking page. You can find the complete process on the HDFC credit card FAQ page


  • Hdfc infinia card joining fee: Rs. 12,500 + GST
  • Hdfc infinia card annual fee: Rs. 12,500 + GST


The hdfc infinia credit card benefits are discussed below.

  • A hearty welcome:

You will get a mind-blowing 12,500 infinia rewards points on the activation of the card and the realization of the first-year joining fee. 

You will also get a complimentary one-year Club Marriott membership, which gives you up to a 20% discount on your dining bill. 

  • Accelerated rewards:

You will be rewarded for almost every transaction made with this hdfc bank infinia credit card . You can get a clear idea about the hdfc infinia rewards scheme from the table below. 

Category Total benefit
For every Rs. 150 retail transactions made with this card. 5 hdfc bank infinia rewards
Travel and shopping spends made via Smartbuy 10X infinia rewards

You can use these points to get a product from the hdfc credit card rewards catalogue or smart buy, purchase a gift voucher from Smartbuy, flight and hotel booking, etc. You can also convert your reward points into air miles or cash. 

The hdfc infinia credit card reward points value depends on how you redeem them. The catalog given below will help you to understand it better. 

Hdfc credit card reward points value in rupees depending on redemption method
Travel booking via Smartbuy. Products and vouchers via Smartbuy Airmiles. Getting a product via Netbanking Cash. 
Rs. 1  Rs. 1  Rs. 1 Rs. 0.50 Rs. 0.30

You will not get any reward points for fuel purchases. You can download the hdfc credit card reward points redemption form from the form center

  • Unlimited free access to domestic and international lounges:

Under the hdfc credit card priority pass  program you will have unlimited free access at almost all the domestic and international airport lounges (applicable for both the primary and add on card members).

  • Exclusive hdfc credit card hotel booking offers:

Use this infinia credit card to book hotels for a minimum of 3 nights and you will get the 3rd night completely free. This card also offers exclusive deals on the buffets at premium hotels. This offer is applicable at only some of the partner’s hotels.  

  • Premium dining experience:

Under the Good Food Trail membership, you will get a 25% discount on your dining bill, exclusive deals on buffets, foods, and drinks at some of the selected restaurants. Also if you use the Dineout pay app, you will get an additional 15% discount on your dining bills.   

  • Free golf rounds:

If you are a golf lover then this offer is just for you, this hdfc super premium credit card gives you unlimited free access to all the premium golf courses in India, and some of the selected international golf courses.  

You will also get free golf lessons to boost up your skills. This hdfc credit card benefit is available at some of the selected golf courses in India. To book your free golf lesson call the toll free number of hdfc bank credit card – 1800 118 887(toll-free) or 022 42320226. 

  • Freedom from fuel  surcharge:

If you use this infinia hdfc card to purchase fuel, you will get a 1% waiver on fuel surcharges. This offer is applicable at any fuel station in India and on a transaction amount between Rs. 400 to Rs. 1 lakh. 

  • Extra benefits on renewal fee payment:

On spending Rs. 10 lakh within a year, you will get a complete waiver on your next year’s annual fee. Also, if the annual fee is not waived off, you will get 12,500 infinia rewards points on every credit card renewal. 

You can make your hdfc credit card online payment through net banking account, or by using any credit card bill payment app. But if you don’t want to go online, then there are lots of offline payment options available for you.

You can make your hdfc bank credit card payment by neft , cheque, ATM, or you can pay hdfc bank credit card bill just by walking to your nearby HDFC branch. You can find more about the offline hdfc bank credit card payment options from the FAQ page

  • Exclusive concierge service:

HDFC bank has an always helpful multilingual global concierge service team to assist you in travel planning, flight, golf, or hotel booking, gift delivery, etc. To book your concierge call the hdfc credit card help line number 1800 118 887 (toll-free) or 022 42320226, or you can write to the hdfc credit card email id .

  • Lost card liability coverage:

You will get complimentary lost card liability coverage on this metal credit card , which means if your card ever gets lost or stolen, you just have to report it by calling the hdfc infinia credit card customer care number, and you will no longer be liable for anything related to your missing card. 

Fraudulent transactions can happen anytime, and if you notice something suspicious with your credit card account, you should report it immediately to the hdfc credit card department . You can also file a dispute against a suspicious transaction, click here to download the hdfc credit card dispute form

  • Protection of complimentary insurance coverage:

This hdfc bank premium credit card offers complimentary insurance coverage on this card. The Infinia credit card insurance policy scheme is discussed in the table below. 

Particulars Total coverage amount
Air accidental death. Rs. 3 crores. 
Emergency hospitalization. (overseas) Rs. 50 lakh. 
Credit shield.  9 lakh. 

To upload your nominee details visit this form link. 

  • EMI payment option:

With the smart EMI option, you can convert your high-value purchases into EMI and pay them back in small monthly installments. You can also calculate the applicable interest charge from the hdfc credit card interest calculator .

If you don’t know how to convert hdfc credit card payment to emi ? then feel free to take a look at the HDFC credit card FAQ page

  • Advanced contactless payment facility:

This metal infinia hdfc credit card is equipped with an advanced contactless payment facility; which allows you to make payments with just a wave at any secure reader machine. You can control the contactless payment option from your hdfc net banking credit card account

 Hdfc credit card details of applicable charges:

Particulars Payable amount
Cash Withdrawal Charge. 2.5% against the withdrawn amount, min Rs. 500, check your hdfc infinia credit card limit before making a withdrawal.
Finance Charges. 1.99% monthly or 23.88% annually.
Foreign currency conversion charge. 2% against the transaction amount.
Add-on card fee. Free for a lifetime.

Hdfc infinia card customer care contact details:

  • Call the hdfc infinia customer care number: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card complaint email id: 

If you don’t want to continue with your current credit card, then you can close it very easily. The complete hdfc credit card closure process is discussed on the 100xgain FAQ page. Also, if you want to download the hdfc credit card closure letter format from the HDFC credit card form center

100xGain Ratings: 


Final Opinion:

 As said before, this is the best premium credit card in india . No matter what your needs are, this card has the potential to fulfill them. With unlimited free lounge access, exclusive deals on dining and hotel booking, fuel surcharge waiver, this hdfc infinia card can easily justify the high annual fee. So if you have the budget and the eligibility, this card can be the gateway for you to enter the world of premium lifestyle. 

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