HDFC Infinia Metal Edition Credit Card
Verified Official Data • Last updated 2026-07
Net Value Calculator
Drag sliders to estimate this card's annual value based on your actual spending habits.
Cashback mode values points as statement credit. Travel / airmiles mode uses the card's travel redemption value, so it only changes points cards; cashback cards stay the same.
Your monthly spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
HDFC Infinia Metal Edition Credit Card
Effective annual fee: ₹12,500
Savings & Milestones Tracker
-0.56%
Value Yield (Net / Spent)
₹-3,384
Annual Net Value
Spent ₹6,00,000 • Spend ₹4,00,000 more to waive fee.
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Key Specifications
₹12500
₹12500
₹1000000
2%
Rewards Structure
Earn rates and reward configurations verified for 2026.
Applies to all non-excluded offline/misc categories
Category Earn Rates
Up to 10X RP on SmartBuy hotel bookings (33.33 RP/₹100). 5X on SmartBuy flights. 1 RP = ₹1 on flights/hotels per SmartBuy portal.
3.33 RP/₹100. Insurance cap: 10,000 RP/month (= ₹10,000 at ₹1/RP). Higher than Diners Black Metal.
3.33 RP/₹100. Grocery cap: 2000 RP/month (= ₹2000 at ₹1/RP).
3.33 RP/₹100. Utility cap: 2000 RP/month. Utility spends > ₹50K/month attract 1% fee.
No RP on: Fuel, Rent (via third-party apps), Govt transactions, EasyEMI, e-wallet loading. Education via third-party apps excluded. Online skill-based gaming excluded (w.e.f July 2025). RP earned on all retail categories including insurance, utilities, education (direct to school).
Devaluation Log & History
Online skill-based gaming transactions stop earning Reward Points.
Insurance RP cap increased to 10,000/month (from 5000/day).
Education payments via third-party apps stop earning Reward Points.
Rent and govt transactions stop earning Reward Points. Grocery cap of 2000 RP/month introduced.
Joining/annual fee increased from ₹10,000 to ₹12,500. Fee waiver threshold increased from ₹8L to ₹10L (for cards sourced after Oct 18, 2021).
Lounge Access
Additional Perks
Redemption & Expiry
Eligibility Requirements
Exclusion Honesty: This data has been verified against official bank publications. We include exclusions and point valuation friction factors to render honest net metrics in our calculations.
Official Specification Sheet
Comprehensive rules, fees, and parameters verified directly against issuer details.
| Feature | HDFC Infinia Metal Edition Credit CardHDFC Bank |
|---|---|
| Joining fee | ₹12,500 |
| Annual fee | ₹12,500/yr |
| Fee waiver | Spend ₹10,00,000/yr |
| Base reward | 3.33 pts / ₹100 |
| Top reward categories | 33.33x travel, 3.33x insurance, 3.33x groceries |
| Redemption friction | Easy |
| Point expiry | 36 months |
| Lounge access | Unlimited dom · Unlimited intl⚠ Unlimited complimentary global airport lounge access for primary and add-on cardholders. |
| Forex markup | 2% |
| Fuel surcharge | 1% waiver, up to ₹1,000/mo |
| Min income · salaried | Not stated |
| Min income · self-employed | Not stated |
| Eligibility (as stated) | Invite only. No stated income threshold on official page. |
| Recent devaluations |
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| Verified against |
Detailed HDFC Infinia Metal Edition Credit Card Credit Card Review & Spends Guide (2026)
The HDFC Infinia Metal Edition Credit Card by HDFC Bank is a prominent credit card in the Indian market, categorized under the super-premium tier. Offering a base rewards engine of 3.33 reward points per ₹100, this card targets users looking to optimize their personal finances.
When evaluating the real-world value of the HDFC Infinia Metal Edition Credit Card, it's essential to look beyond the joining fee of ₹12500 and annual fee of ₹12500. With our real-time calculator above, you can map out your monthly category spends (online shopping, dining, travel, utilities, groceries, etc.) to see if you can trigger the spend-based annual fee waiver of ₹1000000, which determines your true Net Annual Value (NTV).
Rewards Potential & Category Multipliers
For accelerated spenders, the HDFC Infinia Metal Edition Credit Card features key reward multipliers:
- 33.33x on travel spends (uncapped).
- 3.33x on insurance spends (capped at ₹10000/month).
- 3.33x on groceries spends (capped at ₹2000/month).
- 3.33x on utilities spends (capped at ₹2000/month).
- Exclusions: No rewards are earned on fuel, rent categories.
Lounge Access & Extra Perks
Perks add immense value that calculations often leave out. The HDFC Infinia Metal Edition Credit Card offers:
- Domestic Lounges: 999 visits/year
- International Lounges: 999 visits/year
- Lounge Condition: Unlimited complimentary global airport lounge access for primary and add-on cardholders.
Points Redemption and Point Expiry
Earning points is only half the battle. Redemptions are subject to a friction index of 2/5 (representing Instant digital redemption (2/5 friction)). Note: No redemption fee. Official SmartBuy: '1 Reward Point = ₹1 on Hotels and Flights', '1 Reward Point = ₹1 on Apple and Tanishq', '1 Reward Point = up to 1 Airmile'. Cashback capped at 50,000 RP/month. Flight/hotel SmartBuy redemption capped at 1,50,000 RP/month. Tanishq/Apple capped at 50,000 RP/quarter. VERIFIED (official Infinia redemption table): 1 RP = ₹1 flights/hotels/Apple/Tanishq, ₹0.30 cashback against statement balance, up to ₹0.50 products/vouchers, up to 1 airmile (2 RP = 1 mile for Turkish/Accor/Avianca).. Points are valid for 36 months.