HDFC Bank Infinia Credit Card Metal Edition Review

The hdfc bank infinia credit card metal edition 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 lets you enjoy exclusive rewards, premium dining benefits, free access to airport lounges, exclusive deals on hotel booking, and lots more, making it probably the best credit card in indian market. Now let’s discuss the benefits in detail and see: Is HDFC Infinia worth the high annual fee or not?

How does the hdfc infinia credit card eligibility work?

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
  • HDFC infinia credit card eligibility criteria for salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: Annual Income Tax Return should be above Rs. 50,00,000.
  • HDFC infinia credit card eligibility criteria for self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: Annual Income Tax Return should be above Rs. 50,00,000. 
  • An excellent credit score (above 790) is needed to apply for this hdfc bank infinia card.

 Once your hdfc credit card application is submitted you can track hdfc credit card application status from the hdfc online credit card application status tracking page

What documents are required to apply for the hdfc bank infinia credit card application?

  • 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

As per the new credit card security rules, all new credit cards are delivered in an inactive state, and to start using them, you need to activate them by generating a new credit card PIN. You can find more about hdfc credit card pin generation process from our faq page.

What are the hdfc infinia metal credit card fees?

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

How does the hdfc infinia credit card benefit you? 

  • A hearty welcome to make a wonderful start for you:

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

  • Get rewarded for every transaction you make:

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. 


Total benefit

For every Rs. 150 retail transactions made with this card. 5 hdfc bank infinia rewards
Travel and shopping expenses made via smartbuy infinia 10X infinia rewards for every Rs.150 transaction. 

You can use these hdfc reward points to get a product from the hdfc credit card rewards catalog or smart buy, purchase a gift voucher from infinia smartbuy portal, flight and hotel bookings, etc. You can also convert your infinia 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 smart buy hdfc Airmiles. Getting a product via Netbanking Cash. 
Rs. 1  Rs. 1  Rs. 1 Rs. 0.50 Rs. 0.30

You will not get any hdfc infinia points for fuel purchases. You can find the hdfc credit card reward points redemption form in the form center

  • Make your travel more comfortable with the hdfc lounge access program:

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 cardmembers)

  • Make your holidays more luxurious with 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 infinia metal card also offers exclusive deals on the buffets at premium hotels. This offer is applicable at only some of the partner’s hotels.  

  • Experience exclusive deals on dining expenses:

Under the Good Food Trail membership, you will get a 25% discount on your dining bill, and exclusive deals on buffets, foods, and drinks at some of the selected restaurants. 

Also if you use the hdfc dineout pay app to make the payments, you will get an additional 15% discount on your dining expenses.   

  • Make your weekends more entertaining with complimentary golf rounds:

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, along with some free golf lessons to boost your skills 

This hdfc credit card benefit is available only 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.

  • Enjoy freedom from fuel surcharges:

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. 

  • Earn 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 of hdfc credit card. Also, you will get 12,500 infinia rewards points on every credit card renewal (not applicable if the annual fee is waived off). 

  • A multilingual concierge service to assist you:

This infinia hdfc card comes with a multilingual concierge service team to take care of your needs. You can get facilities like travel planning, flight, golf, hotel booking, gift delivery, etc. Call the hdfc credit card helpline number to book your free concierge.

  • Complimentary lost card liability coverage to stand for you:

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 hdfc credit card account, you should report it immediately to the hdfc credit card department

  • Complimentary insurance coverage to support you in unfortunate events:

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. 


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

Click here to upload your nominee details.

  • Convenient bill payment options to make life easier for you:

You can make your monthly hdfc credit card online payment through net banking account or by using any credit card bill payment app like Cred, Google pay, Paytm, Phone pe, etc. 

But if you don’t want to pay hdfc bank credit card bill online, then feel free to take a look at our faq page to learn more about the offline hdfc bank credit card payment options.

  • Make repayments easier with the low-cost EMI option:

With the hdfc credit card 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 want to know how to convert hdfc credit card payment to emi? then feel free to take a look at the infinia hdfc card FAQ page

  • Enjoy the convenience of the advanced contactless payment facility:

This metal infinia hdfc credit card is equipped with an advanced contactless payment facility; which allows you to make payments just by placing your infinia metal card over any contactless-enabled POS machine. You can control the contactless usage of credit cards from your hdfc net banking credit card account

What are the hdfc metal infinia credit card charges?


Payable amount

HDFC credit card cash withdrawal charges 2.5% against the withdrawn amount, min Rs. 500, check your hdfc infinia credit card limit before making a withdrawal
HDFC infinia metal card finance charges 1.99% monthly or 23.88% annually
Foreign currency conversion charge 2% against the transaction amount
HDFC infinia card add-on card fee Free for a lifetime

How to get in touch with the hdfc infinia card customer care department?

  • 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: 

Also if you are suspicious about a particular hdfc credit card transaction, then you can file a dispute against it. You can find the hdfc credit card dispute form here

100xGain Ratings: 


Pros and cons of the hdfc bank infinia metal credit card:



  • This hdfc bank infinia credit card features a ton of premium features.
  • The hdfc bank infinia credit card reward earning rate is also very good.
  • You will also get some free golf rounds
  • There are no movie benefits on this infinia card

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, you can download the hdfc credit card closure letter format from the form center

Final Opinion:

As evident from the infinia metal card review, it is clear that this is the best premium credit card in India. No matter what your needs are, the infinia metal 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 hdfc metal credit card can be the gateway for you to enter the world of premium lifestyle. 

Also, if the infinia card annual fee seems quite high to you, or if you want to compare some similar options, then make sure to take a look at the alternative card options given below.

Alternative cards of the hdfc infinia metal card: 

  1. HDFC platinum times credit card (Best for reward points, dining, and movie benefits) 
  2. HDFC best price save max credit card (Best for reward points, lounge access, and dining benefits) 
  3. SBI signature card (Best for reward points, lounge access, and movie benefits) 
  4. SBI aurum credit card (Best for lounge access, and movie benefits) 

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