Credit Cards · Honest Review
HDFC Infinia Credit Card Metal Edition
HDFC Bank · Visa
Your Verdict
- ✓5 reward points per ₹150 on all spends (≈3.33% return at ₹1/point)
- ✓Unlimited domestic and international airport lounge access (Priority Pass)
- ✓12,500 welcome reward points on card issuance
- ✓Golf access, concierge, and luxury hotel benefits
- ✓Points transfer to airline and hotel partners at 1:1
What HDFC Infinia Credit Card Metal Edition costs you
HDFC Infinia Credit Card Metal Edition carries a ₹12,500 annual fee and a ₹12,500 one-time joining fee. The annual fee is waivable: Spend ₹10L/year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹12,500 |
| Joining fee (one-time) | ₹12,500 |
| Fee waiver condition | Spend ₹10L/year |
| Spend required for waiver | ₹10,00,000 / year |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
HDFC Infinia Credit Card Metal Edition earns 3.33% on all eligible spends as a base reward rate, with accelerated rates on travel & flights and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 3.33% |
| ✈️ Travel & Flights | 5% |
12,500 reward points on card activation
Reward types: Points · Miles · Lounge
Beyond the reward rate
The non-reward benefits on HDFC Infinia Credit Card Metal Edition are meaningful for frequent users. Here is what you get with the card.
Who can apply for HDFC Infinia Credit Card Metal Edition
HDFC Infinia Credit Card Metal Edition requires a minimum net monthly income of ₹1,75,000 for salaried applicants and a CIBIL score of 800 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,75,000 |
| CIBIL score | 800+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get HDFC Infinia Credit Card Metal Edition
- → Heavy spenders on travel & flights who want 5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
- → Low spenders who won't recover the high annual fee
- → Applicants with monthly income below ₹1,75,000
HDFC Infinia Credit Card Metal Edition — Questions answered
What is the annual fee for HDFC Infinia Credit Card Metal Edition?
What is the minimum income required for HDFC Infinia Credit Card Metal Edition?
What is the reward rate on HDFC Infinia Credit Card Metal Edition for travel & flights?
Does HDFC Infinia Credit Card Metal Edition provide airport lounge access?
How do I get the annual fee waived on HDFC Infinia Credit Card Metal Edition?
How long does it take to get HDFC Infinia Credit Card Metal Edition approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.