HDFC Infinia Metal Edition

The HDFC Infinia Metal Edition is HDFC Bank's flagship super-premium credit card, crafted for high-income professionals and frequent travellers who demand the best. With an elegant metal build, industry-leading reward rates, and near-unlimited lounge access worldwide, the Infinia Metal Edition is designed to complement a premium lifestyle. Available through Naxelona, you can compare, check eligibility, and apply seamlessly from one place.

Key Benefits

• 99 Domestic Lounge Visits per year at airports across India
• 99 International Lounge Visits per year through partner programmes
• 1% Fuel Surcharge Waiver on fuel transactions, capped at ₹1,000 per month
• Welcome Benefit: 12,500 reward points credited upon payment of the joining fee
• Premium metal card build reflecting super-premium tier status
• Access to HDFC Bank's concierge and lifestyle services (subject to bank's terms)

Rewards & Earn Rates

The Infinia Metal Edition offers some of the highest reward rates available on an Indian credit card:

| Category | Reward Rate |
|---|---|
| Dining | 10% |
| Online Shopping | 16.6% |
| Travel & Lifestyle | 16.6% |

• Reward points are earned as per HDFC Bank's SmartBuy and reward programme terms.
• Accelerated reward rates apply on eligible transactions; standard rates apply on all other spends.
• Reward point redemption options, validity, and value per point are governed by HDFC Bank's prevailing reward programme policy.

Fees & Charges

| Fee Type | Amount |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Finance Charge (Interest) | 3.49% per month |
| Foreign Currency Markup | 2% |
| Fuel Surcharge Waiver | 1% (up to ₹1,000/month) |

• GST is applicable on fees and charges as per prevailing government rates.
• Finance charges accrue from the transaction date if the total outstanding is not paid in full by the payment due date.
• Please refer to HDFC Bank's Most Important Terms & Conditions (MITC) for the full schedule of charges.

Card Features at a Glance

• Card Type: Super Premium Metal Credit Card
• Issuing Bank: HDFC Bank
• Lounge Access: 99 domestic + 99 international visits per year
• Welcome Bonus: 12,500 reward points on joining fee payment
• Forex Markup: 2% on international transactions
• Fuel Benefit: 1% surcharge waiver up to ₹1,000/month
• Finance Charge: 3.49% per month on revolving credit
• Contactless payment enabled
• EMI conversion facility available on eligible transactions (subject to HDFC Bank's terms)

Eligibility Criteria

To apply for the HDFC Infinia Metal Edition Credit Card, applicants generally need to meet the following minimum criteria:

• Minimum Annual Income: ₹30,00,000 (₹30 Lakhs)
• Minimum CIBIL Score: 780
• Nationality: Indian resident (salaried or self-employed professionals)
• Valid KYC documents as required by HDFC Bank

> Meeting the minimum criteria does not guarantee card approval. Final eligibility and credit limit are determined solely by HDFC Bank at its discretion based on the applicant's complete credit profile.

Terms & Conditions

• All fees, charges, reward rates, and benefits mentioned on this page are based on information available at the time of publication and are subject to change by HDFC Bank without prior notice.
• Accelerated reward rates (Dining, Online Shopping, Travel & Lifestyle) apply only on eligible merchants and transaction categories as defined by HDFC Bank's reward programme.
• Lounge visit entitlements are subject to the terms of HDFC Bank's lounge access partner programmes and may require use of the card for entry.
• The fuel surcharge waiver is applicable on transactions between ₹400 and ₹5,000 (or as per HDFC Bank's prevailing policy) and is capped at ₹1,000 per statement cycle.
• Welcome reward points are credited subject to payment of the joining fee and as per HDFC Bank's fulfilment timeline.
• Naxelona is a financial products marketplace and not the card issuer. Final terms, approval, credit limit, and all card-related decisions are governed exclusively by HDFC Bank.
• Terms and conditions apply. Please read the Most Important Terms & Conditions (MITC) and Key Fact Statement (KFS) provided by HDFC Bank carefully before applying.