HDFC Bank INFINIA Metal Credit Card Features & Benefits

Summary

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only credit card for high-net-worth individuals who want luxury, high rewards, and superior benefits. It has a thin metal card, unlimited airport lounge access, and no pre-set spending limit, making it one of the most elite credit cards in India.

It provides 5 points for each ₹150 incurred and these are redeemable against travel, shopping, and lifestyle expenses. The minimal foreign exchange fees (2%), free hotel membership, and travel insurance benefits make it worth the money for the frequent traveler. Its premium feel is due to the inclusion of golf facilities, dining privileges, and concierge services.

The yearly fee is ₹12,500 + GST, but it is waived if you make a spend of ₹10 lakh in a year. The credit limit starts at ₹8-10 lakh and can go up to ₹50 lakh or more. Since it is an invite-only card, customers cannot apply for it; HDFC Bank selects eligible customers based on their income, credit score, and spending habits.

Introduction

If you desire a credit card that is luxury, high on rewards, and with class privileges, HDFC Bank INFINIA Metal Credit Card is one of the best. The card is ideal for those who are high-net-worth individuals and who prefer premium benefits like unlimited visits to lounges, high reward points, travel benefits, and more.

One of the finest things about this card is its metal construction, which gives it a premium and sophisticated look. This card cannot be applied directly; you need to be invited by HDFC Bank, which selects applicants based on their spending behavior and income.

You earn 5 reward points for every ₹150 you spend on retail purchases through this card. The reward points can be used for travel, booking a hotel, and shopping. One of the most important advantages here is that both the main as well as the add-on cardholders enjoy unlimited lounge access at domestic airports and international airports.

For travelers, the INFINIA Metal Credit Card offers benefits like complimentary memberships in hotels, airport priority check-in, and airport concierge services. You also get complimentary travel insurance covering air accidents and lost baggage.

What is the HDFC Bank INFINIA Metal Credit Card?

The HDFC Bank INFINIA Metal Credit Card is a high-end credit card designed for high-income individuals who want luxury rewards and high reward points. It is an invite-only membership card, so you can’t apply for it yourself—HDFC Bank invites deserving customers based on income and expenditure.

This card features a metallic finish, hence it is luxurious and classy. It comes with unlimited airport lounge visits, great reward points on spending, travel rewards, and luxury dining discounts. You also enjoy low foreign exchange charges, which makes it extremely suitable for travelers abroad.

Because there is no prior spending limit, the card allows shopping at upscale stores to be easy. It also offers free travel insurance, hotel membership, and golfing at resort hotels.

How is the design of the HDFC Bank INFINIA Metal Credit Card?

The HDFC Bank INFINIA Metal Credit Card features a high-end and classy appearance that differentiates it from others. Unlike standard plastic-based credit cards, this one is made of metal, which gives it a sleek, fashionable, and luxurious feel. The metallic build gives it strength and a robust, high-end feel, and therefore, serves as a symbol of status for the card owners.

It features a minimalist design where the INFINIA logo and the HDFC Bank branding are nicely positioned. It is heavier than a regular credit card, which also contributes to its premium feel. The advanced design is a testament to the card’s exclusivity since it’s issued by invitation only to high-net-worth individuals.

What are the features of the HDFC Bank INFINIA Metal Credit Card?

Some of the most significant features of these cards are:

1. Unlimited Lounge Access – Get complimentary access to airport lounges throughout the world for the primary and add-on cardholders.

2. High Reward Points – Get 5 reward points on all other spends except fuel, grocery, and mobile for every ₹150 spent. Exchange them on travel, shopping, and so much more.

3. Luxury Travel Benefits – Enjoy complimentary hotel memberships, priority check-in, and concierge service to make travel easy.

4. Low Foreign Exchange Charges – Pay no more than 2% foreign exchange markup to lower the cost of cross-border transactions.

5. Gourmet Offers – Get special offers and discounts at upscale restaurants and hotels.

6. Golf Benefits – Enjoy free golf rounds at the world’s best golf courses.

7. Free Travel Insurance – Get free travel insurance cover for air crashes, loss of luggage, and illness.

8. No Pre-Set Spending Limit – No pre-set spending limit like a normal credit card, but with awe-inspiring buying power.

9. Easy Reward Redemption – Use reward points to book flights, hotels, and even buy purchases.

What are the fees for the HDFC Bank INFINIA Metal Credit Card?

Here is a simple breakup of the HDFC Bank INFINIA Metal Credit Card fees.

Joining Fee	₹12,500 + GST (one-time fee when you get the card).
Annual Fee	₹12,500 + GST per year. This will be waived if you spend 10,00,000 or more in a year.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	3.5% per month (47% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 = Nil Rs. 101 – Rs. 500 = Rs. 150 Rs. 501 – Rs. 5,000 =  Rs. 500 Rs. 5,001 – Rs. 20,000 = Rs. 750 Rs. 20,000 & above = Rs. 1,000

What are the criteria for getting an HDFC Bank INFINIA Metal Credit Card?

Here are the overall eligibility standards:

1. High Income – You must have a high annual income (usually ₹40-50 lakh or above) or a high credit limit with HDFC Bank.

2. Current Association with HDFC Bank – If you already have a premium HDFC credit card (like Regalia) and spend heavily, you will be promoted to INFINIA.

3. Good Credit Score – A CIBIL score of 750+ is to be desired to acquire this card.

4. High Net Worth – Senior professionals, entrepreneurs, and individuals of high financial standing will be invited.

5. Strong Spending Habits – If you regularly spend a great deal on dining, shopping, and travel, the bank will consider it and upgrade you.

What documents are required to get an HDFC Bank INFINIA Metal Credit Card?

The documents that you will have to submit to get an HDFC Bank INFINIA Metal Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank INFINIA Metal Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC INFINIA Metal Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  HDFC INFINIA Metal Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  HDFC INFINIA Metal Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank INFINIA Metal Credit Card?

The HDFC INFINIA Metal Credit Card lacks a fixed credit limit such as standard credit cards. Rather, it provides a high credit limit, typically beginning from ₹8-10 lakh to ₹50 lakh or higher, based on your financial status.

One of the distinct features of this card is that there is no pre-determined spending limit, and thus the bank gives flexible spending according to your income, credit record, and repayment pattern. This makes it a perfect choice for individuals who spend money on high-value items and require high spending ability.

How do you apply for an HDFC Bank INFINIA Metal Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the  HDFC INFINIA Metal Credit Card.

• Just hover your cursor on the  HDFC Bank INFINIA Metal Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after submitting it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the  HDFC INFINIA Metal Credit Card.

• Request for the credit card application form for the HDFC Bank INFINIA Metal Credit Card. They will provide you with the form and proceed accordingly.

• Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  HDFC Bank INFINIA Metal Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website, or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank INFINIA Metal Credit Card in 2025 be right?

Yes, getting an HDFC INFINIA Metal Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

HDFC Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The HDFC Bank INFINIA Metal Credit Card is one of the best and most premium credit cards in India. It has been crafted specifically for high-net-worth customers who value luxury, high spending capability, and world-class reward benefits. Starting with unlimited access to airport lounges to best-in-class reward points on every spend, the card has the best in its class.

One of the benefits of this card is that it has no pre-set limit on how much money one can spend, enabling cardholders to spend huge sums of money with ease. Its metal body also makes it advanced, and not only is it a tool for managing money, but it is also a status symbol. The added facility of low forex charges, free travel insurance, hotel membership, and golf privileges also makes it attractive to heavy travelers and high spenders.

But HDFC INFINIA Metal Credit Card is an invitation-only card, and one cannot apply for it directly. Only individuals with high incomes, good credit ratings, and good banking relationships with HDFC Bank are invited to apply. The annual charge is ₹12,500 + GST, but it can be waived if one spends ₹10 lakh or more in a year, so it is a good card for high spenders.

Frequently Asked Questions (FAQ’s)