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HDFC Infinia (Metal)

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🇮🇳 India · HDFC Bank

HDFC Infinia (Metal)

Name: HDFC Infinia (Metal)
Brand: HDFC Bank
Rating: 4.9 (50 reviews)

Top-tier travelers, invitation-only, the apex of HDFC reward redemption.

4.9 / 5

Joining fee

₹12,500

Annual fee

₹12,500

Top reward

3.3%

Min income

₹4,000,000

Apply at HDFC Bank ← Back to all cards

External link to HDFC Bank’s own application page.

The HDFC Infinia (Metal) costs ₹12,500 a year, waived at ₹10,00,000 annual spend. It earns 3.3% on all spends. Forex markup is 2%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much HDFC Infinia (Metal) actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹19,800

Annual fee−₹12,500

Fee waiver triggers at ₹1,000,000 annual spend. You're currently at ₹600,000. Bump monthly spend to ₹83,334 to clear it.

Cumulative net value

+₹36,500

over 5 years

Year 1

₹7,300

+₹7,300/yr

Year 2

₹14,600

+₹7,300/yr

Year 3

₹21,900

+₹7,300/yr

Year 4

₹29,200

+₹7,300/yr

Year 5

₹36,500

+₹7,300/yr

Year 1 (with bonus)

₹7,300

Year 2+ (steady state)

₹7,300/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the HDFC Infinia (Metal) earn?

What you earn back, by category.

Everything else

3.3%

📈

🎁

Welcome bonus

12,500 reward points (offsets joining fee 1:1)

What do you get with the HDFC Infinia (Metal)?

Unlimited international + domestic lounge access (self + guest)
10x reward points on SmartBuy partners
Free annual Club Marriott + Club Vistara Gold
Concierge 24x7
2% forex markup

Who qualifies for the HDFC Infinia (Metal)?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹4,000,000

Min credit score

800+

Self-employed

Eligible

Points value

What 1 HDFC Infinia (Metal) point is actually worth

Best redemption is 16.7× the worst

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for HDFC Infinia (Metal):

Singapore KrisFlyer transfer
Best

₹5.00/point

1:1 transfer to Air Vistara → Singapore. Sweet spot: 70K points = ₹3.5L ticket ZRH-DEL.

Marriott Bonvoy transfer

₹1.00/point

1:1 to Marriott. Cat 5 hotel = 35K points = ~₹28K room cash.

SmartBuy 10x partners (flights, Tata CLiQ)

₹1.00/point

10x rewards on SmartBuy, redeemed for vouchers.

Gift voucher catalog

₹0.50/point

Amazon, Flipkart, Croma vouchers at 50p/point.

Welcome bonus, the under-priced lever

Spend ₹1L within 90 days; get 12,500 reward points (~₹12,500 at SmartBuy or ₹50K+ as airmiles).

Welcome bonus value at best redemption: ₹62,500

Sweet spots & gotchas

✓Sweet spot: 70K points → Singapore KrisFlyer → DEL-CDG business class (~₹2L+ cash equivalent).
✓Use Club Marriott membership for free breakfast, adds ~₹3,000 value/stay.
✓Annual fee ₹12,500 waived at ₹10L spend.

Full HDFC Infinia (Metal) redemption deep-dive Run the points calculator