Infinia Metal Edition
The gold standard of super-premium credit cards in India. Designed exclusively for high-net-worth individuals, Infinia delivers an unmatched 3.33% base reward rate that scales up to 33.3% on flight and hotel bookings via HDFC SmartBuy, complete with truly unlimited worldwide airport lounge access and 1:1 air mile conversions.
Why We Recommend The Infinia Metal Edition
The reigning king of Indian credit cards. Outstanding redemption economics that pay for the fee many times over.
High spenders, luxury travelers, and airline frequent flyers
Welcome Gift & Activation Benefits
* Welcome benefits are typically unlocked upon payment of the joining fee and initial card activation within 30 to 90 days.
Grofi Expert Rating
Our ratings assess real-world net reward yields after fee deductions, partner redemption flexibility, lounge conditions, and user transparency.
How Much Can You Save with the Infinia Metal Edition?
Adjust your expected monthly card spends to calculate your real annual rewards and net savings.
Includes flight & hotel bookings, partner brands (Amazon, Swiggy, Flipkart), dining, and online shopping.
* Reward Point Value: 1 RP = ₹1.00 for flights/hotel bookings on SmartBuy or 1:1 air miles transfer on statement credit or travel bookings.
Based on annual spending of ₹6,00,000.
Fees & Charges Breakdown for Infinia Metal Edition
Zero hidden costs. Complete fee schedule verified with HDFC Bank official guidelines.
One-time fee charged on the first statement
Billed annually starting from the 2nd year
Annual fee reversed upon crossing this spend milestone in the preceding card year
Charges applicable on foreign currency transactions and cross-border payments
Standard interest rate on revolving card balances
Fee on ATM cash withdrawals via credit card
From the first day of billing cycle till due date
Airport Lounge Privileges on the Infinia Metal Edition
Experience gourmet dining, quiet workspaces, and premium comforts before every flight.
Unlimited complimentary domestic airport lounge visits for primary & add-on members
Valid across 40+ domestic airport lounges including Mumbai (Adani), Delhi (Encalm), Bengaluru (080 Lounge), Hyderabad, Chennai, and Kolkata terminals.
Unlimited complimentary worldwide lounge visits via Priority Pass
Access over 1,300+ luxury airport lounges globally across Dubai, London Heathrow, Singapore Changi, New York JFK, Frankfurt, and Doha.
What Makes Infinia Metal Edition Stand Out?
Discover the top benefits, special offers, and protections engineered into this card.
Heavy metal card body with 24K gold-plated HDFC logo
1:1 points redemption for flights and hotels with zero devaluation
Low 2.0% forex markup fee for international travel
Comprehensive ₹3 Crore air accident insurance coverage
Pros & Cons of the Infinia Metal Edition
An honest, transparent evaluation of strengths and limitations before you submit your application.
What We Love (Pros)
- Unmatched 33.3% maximum reward yield on travel bookings
- Truly unlimited domestic and international lounge visits with add-on guest access
- Elite concierge service available 24/7
Things to Consider (Cons)
- Strictly invite-only with high income bar (₹2.75L - ₹3L monthly)
- Monthly reward caps on groceries and utilities (2,000 RPs each)
Who Can Apply for the Infinia Metal Edition?
Review minimum income, credit score thresholds, and essential verification documents.
Net in-hand monthly or annual earnings
Primary applicant (18+ for add-ons)
With continuous employment proof
With valid Indian address proof
780+ Score Recommended
Applicants with a credit score of 780 or higher enjoy fast-tracked approval and preferential credit limits from HDFC Bank.
Documents Required
100% digital paperless verification via Video KYC. Keep these documents ready:
Identity & Address Proof
Aadhaar Card (linked with mobile number for OTP), Passport, Driving License, or Voter ID.
PAN Card
Mandatory physical or e-PAN copy required by RBI guidelines for all credit applications.
Proof of Income
Salaried: Last 3 months' salary slips or bank statements. Self-employed: Latest ITR computation.
Everything You Need to Know About Infinia Metal Edition
Clear answers to common questions regarding annual fees, reward redemption, lounge rules, and delivery.
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Ready to Apply for the Infinia Metal Edition?
Check your pre-approved credit limit and instant approval eligibility across HDFC Bank with 100% paperless verification and zero score impact.