M16S / HDFC Bank / HDFC Infinia Metal Edition Credit Card
super-premium · rewards, travel
HDFC Infinia Metal Edition Credit Card
The HDFC Infinia Metal Edition Credit Card costs Rs 12,500 a year, waived if you spend Rs 10,00,000 in a year. Its base return is 3.33%. Accelerated earn: Up to 10X RP on SmartBuy travel and shopping. The forex markup is 2%. Lounge visits in India: Unlimited in India, primary and add-on. Abroad: Unlimited outside India via Priority Pass, primary and add-on (1,000+ lounges). Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 12,500+ GST
- Fee waived at
- Rs 10,00,000annual spend
- Base return
- 3.33%
- Forex markup
- 2%
- Interest
- 1.99%a month
What changed on this card
- HDFC Infinia caps SmartBuy brand voucher points at 3,000 a month, Jul 2026
From 1 July 2026, SmartBuy brand vouchers bought through GyFTR or Woohoo earn a maximum of 3,000 accelerated Reward Points per calendar month. The limit sits inside Infinia's unchanged 15,000 monthly accelerated-points SmartBuy cap. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Infinia ties continued access to Rs 18 lakh spend or Rs 50 lakh balances, Apr 2026
From 1 April 2026, continued access to the Infinia programme depends on Rs 18 lakh card spends (primary plus add-ons) in a financial year, or relationship value of Rs 50 lakh. Cardholders who miss it are offered the next best card variant. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank stops rewards on online skill-based gaming from Jul 2025
Online skill-based gaming transactions no longer earn Reward Points or CashPoints on any HDFC Bank credit card from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank caps insurance reward points per month from Jul 2025
Reward Points on insurance transactions are capped at 10,000 a month for Infinia and Infinia (Metal Edition), 5,000 a month for Diners Black Metal Edition and Diners Black, and 2,000 a month for all other credit cards. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Infinia caps Tanishq voucher redemption at 50,000 points a quarter, Oct 2024
On HDFC Bank SmartBuy, redemption of Reward Points for Tanishq vouchers is capped at 50,000 Reward Points per calendar quarter from 1 October 2024. This applies only to Infinia and Infinia Metal cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Infinia caps Apple product redemption at one a quarter, Oct 2024
On HDFC Bank SmartBuy, redemption of Reward Points for Apple products is capped to one product per calendar quarter from 1 October 2024. This applies only to Infinia and Infinia Metal cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank caps utility and telecom reward points at 2,000 a month, Sep 2024
Reward Points on utility transactions (MCC 4900) and on telecom and cable transactions (MCC 4812, 4814, 4899) are each capped at 2,000 Reward Points per calendar month. Product-level caps continue on Millennia, Swiggy and some other cards. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Bank stops reward points on education payments via apps, Sep 2024
Education payments made through third-party apps like CRED, Cheq and MobiKwik no longer earn Reward Points on consumer cards. Payments made directly on college or school websites or their POS machines still earn points. Source: HDFC Bank, v.hdfcbank.com, read 28 Oct 2026
- HDFC Infinia moves Turkish, Accor and Avianca transfers to 2:1, Jan 2024
From 15 January 2024, 2 Reward Points convert to 1 Loyalty Point for Turkish Miles, Accor and Avianca Life Miles. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 12,500 |
|---|---|
| Annual fee | Rs 12,500 |
| Annual spend that waives the fee | Rs 10,00,000 |
| Fee notes | Cards sourced after 18 Oct 2021: joining and renewal Rs 12,500 + taxes, renewal waived on Rs 10 lakh spend in the preceding 12 months. Cards sourced before 18 Oct 2021: Rs 10,000, waived on Rs 8 lakh (product page). |
Rewards
| Welcome benefit | 12,500 Reward Points on fee realisation and card activation; complimentary Club Marriott membership for the first year |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 RP per Rs 150 on retail spends, including insurance, utilities and education |
| Base return | 3.33% |
| Point value | 1 RP = Re 1 for flights/hotels and for Apple products and Tanishq vouchers via SmartBuy; up to 1 airmile; up to Rs 0.50 products/vouchers; up to Rs 0.30 against statement balance |
| Accelerated earn | Up to 10X RP on SmartBuy travel and shopping |
| Capsunverified | Accrual (earlier data): SmartBuy bonus 15,000 RP/month (aggregator); insurance 10,000 RP/month; grocery 2,000, utility 2,000, telecom 2,000 RP/month (MITC). Redemption (product page): max 2 lakh RP redeemed per statement cycle; 1.5 lakh RP/month for flights, hotels and airmiles; 50,000 RP/month against statement balance; points cover up to 70% of Apple products and Tanishq vouchers. MITC: 70% of flight/hotel booking value; Tanishq vouchers 50,000 RP per quarter; one Apple product per quarter |
| Spends that earn nothing | No points on fuel (product page); rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC) |
| Points expiry | 3 years |
| Milestone benefits | 12,500 RP on renewal fee realisation; no spend milestones on the page |
| Reward notes | No redemption fee (MITC). base_return_pct = 5 RP per Rs 150 x Re 1 (SmartBuy flights/hotels) = 3.33%; earn rate and point value both stated on the product page. |
Transfers
| Partnersunverified | Singapore KrisFlyer, Air France-KLM Flying Blue, Finnair Plus, Vietnam Lotusmiles, United MileagePlus, Turkish Miles&Smiles, Avianca LifeMiles, Air India Maharaja Club, British Airways Avios, Qatar Airways Privilege Club, Cathay Asia Miles, Air Canada Aeroplan, Etihad Guest, Thai Royal Orchid Plus, SpiceClub, AirAsia Rewards, Accor ALL, Club ITC, Wyndham Rewards, IHG One Rewards, Marriott Bonvoy, Radisson Rewards |
|---|---|
| Ratio | 1:1 to KrisFlyer, Flying Blue, Finnair, Vietnam Lotusmiles, SpiceClub, AirAsia, Wyndham, IHG, Radisson; 2:1 to Accor, Club ITC, United, Turkish, LifeMiles, Air India, Avios, Qatar, Asia Miles, Aeroplan, Etihad, Thai, Marriott (enthusiast guide dated Jun-Sep 2026; Air India 2:1 confirmed on Air India's page). Min 1,000 points; flights, hotels and airmiles together capped at 1,50,000 points/month (HDFC page). |
Travel and perks
| Domestic lounge | Unlimited in India, primary and add-on |
|---|---|
| International lounge | Unlimited outside India via Priority Pass, primary and add-on (1,000+ lounges) |
| Lounge conditions | No spend condition stated; guest visits chargeable |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% on txns between Rs 400 and Rs 1,00,000 (product page); cap Rs 1,000 per statement cycle (MITC) |
| Other freebies | Unlimited golf games and lessons (India and select courses abroad, 100% green fee waiver at select courses); ITC hotels book-3-nights-pay-for-2 and 1+1 buffet; Club Marriott (up to 25% off dining/stay in Asia-Pacific); 24x7 global concierge; accidental air death cover Rs 3 crore; emergency overseas hospitalisation Rs 50 lakh; credit shield Rs 9 lakh |
Charges and eligibility
| Interest per month | 1.99% |
|---|---|
| Late payment fee | Waived (MITC excludes Infinia and Infinia Metal Edition from late payment charges) |
| Cash advance fee | MITC excludes Infinia from the 2.5% fee and names no other fee; confirm with HDFC |
| Eligibilityunverified | By invitation only; the bank assesses eligibility and informs the customer (product page). Aggregator reports that from 1 Apr 2026 retention needs Rs 18 lakh annual spend or Rs 50 lakh relationship value |
| Fine-print notes | Invite only. Points can cover only 70% of a flight or hotel booking and redemptions are capped at 1.5 lakh points a month (2 lakh across all redemptions per statement cycle). Product page read 2026-10-12; it does not state network, points expiry, interest rate or transfer partners. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Infinia Metal Edition Credit Card?
- Rs 12,500 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
- Does the HDFC Infinia Metal Edition Credit Card give airport lounge access?
- Yes. In India: Unlimited in India, primary and add-on. Outside India: Unlimited outside India via Priority Pass, primary and add-on (1,000+ lounges). Conditions: No spend condition stated; guest visits chargeable
- What is the forex markup on the HDFC Infinia Metal Edition Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Infinia Metal Edition Credit Card?
- No points on fuel (product page); rent, government spends, wallet loads, EasyEMI/SmartEMI, online skill gaming, education via third-party apps (MITC)