The HDFC Infinia Credit Card Metal Edition turns heads as India’s top invite-only premium card, perfect for frequent travelers and big spenders who crave luxury without limits. Right now, with rising travel costs and premium dining trends in 2026, this card delivers real value through unlimited global lounges and high reward rates that outpace most rivals.
Fees and Charges
Transparency matters when picking a premium card. Here’s a clear breakdown:
No reward points on fuel, but that waiver saves hassle on road trips.
READ MORE: HDFC Regalia Gold Credit Card – Benefits, Fees, Rewards & More
HDFC Infinia Credit Card eligibility
You can’t just apply for the HDFC Bank Infinia Credit Card Metal Edition—it’s invite-only! Banks usually offer it to loyal customers with top credit scores, big banking ties, or who hit their special criteria.
Welcome Benefits
Join the elite club and score big upfront. You get a complimentary Club Marriott membership for the first year plus 12,500 reward points right after fee payment and card activation. That’s like free hotel perks and points worth up to ₹12,500 on flights—enough for a solid start on your next getaway.
Renewal brings another 12,500 points, keeping the momentum going for loyal users.
Reward Structure
This is where Infinia shines: earn 5 reward points per ₹150 on all retail spends, from utilities to education—no caps, no expiry as long as the card stays active. Spend via SmartBuy for up to 10X points on travel and shopping.
Redemption value peaks at ₹1 per point for flights, hotels, Apple products, or Tanishq vouchers on SmartBuy—way better than the ₹0.50 for other vouchers or ₹0.30 cashback. Transfer to air miles at 1:1. Think of it as turning everyday swipes into dream vacations without the math headache.
Key Benefits and Features
Travel like a boss with unlimited lounge access worldwide via Priority Pass—for you and add-on holders, covering 1,000+ airports. Dining perks include Good Food Trail (10% off at 35,000+ Swiggy Dineout spots till Dec 2025), ITC “stay 3 pay 2” nights, and 1+1 buffets.
Golf lovers tee off with unlimited rounds and lessons at top courses, booked via 24/7 concierge. Insurance adds peace: ₹3 crore air accident death cover, ₹50 lakh overseas hospitalization, ₹9 lakh credit shield. Compared to cards like Axis Magnus, Infinia’s lounge and metal prestige edge it out for globetrotters.
Up to 50 days interest-free credit, plus EMI options for big buys.
HDFC Infinia Credit Card other benefits: Club Marriott membership and dining perks
Get a free Club Marriott membership for your first year with the HDFC Infinia Credit Card. It scores you up to 20% off on food and stays at hotels across Asia-Pacific. Plus, enjoy cool deals at ITC Hotels—like book 3 nights, pay for 2, or a 1+1 free buffet at select spots
HDFC Infinia Credit Card lounge access
Skip the lines at airports! Primary and add-on cardholders get unlimited free access to domestic lounges. Plus, enjoy unlimited international lounge visits at over 1,000 airports worldwide via Priority Pass—your family can join in too!
HDFC Infinia Credit Card Good Food Trail Program
Love dining out? Pair your HDFC Infinia with Swiggy Dineout for an extra 10% off bills at 35,000+ restaurants across India. It’s valid from Jan 2 to Dec 31, 2025—perfect for foodies!
HDFC Infinia Credit Card golf privileges
Golf fans, this is for you! Get unlimited free rounds at top courses in India and select spots abroad, plus free coaching sessions at premium Indian clubs. Just call the concierge to book anytime.
HDFC Infinia Credit Card fuel surcharge waiver
Save on fuel with a 1% waiver on transactions from ₹400 to ₹1 lakh at any Indian station. Heads up: No reward points on fuel, but the discount still applies!
HDFC Infinia Credit Card interest rate & EMI options
Enjoy up to 50 days interest-free from purchase (if merchants report on time). Need to spread payments? Convert big buys to easy EMIs with flexible tenures, or use revolving credit at low rates—perfect for managing expenses!
Expert Opinion
I’ve seen premium cards come and go—this one’s a keeper if you spend ₹8-10 lakh yearly. The ₹12,500 fee pays for itself fast: lounge visits alone (₹5,000+ value each) plus points from dining deals cover it quicker than a couple of airport coffees add up.
Ideal for high-income pros (invite-only via HDFC relationship, high CIBIL). Skip if low spends—waiver needs big volume, or stick to mass premium like Regalia. It’s not flashy for everyone, but for travelers? Pure gold.
Conclusion and Verdict
HDFC Infinia packs luxury into a metal slab: top rewards, lounges, and perks that reward your lifestyle. If you’re invited and spend big, grab it—the fee waiver and 10X boosts make it unbeatable. Just match it to your wallet, not whims.
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