HDFC Infinia Metal Review 2026
Last reviewed:
Quick verdict
India's most exclusive credit card, available only by invitation for ultra-high-income individuals. Unlimited global lounge access and a low 2% foreign transaction fee make it unbeatable for international travel. Not worth pursuing unless you already spend ₹10L+ per year on the card.
Pros
- Airport lounge access: Unlimited domestic + international (Priority Pass)
- Low forex markup of 2.0% + GST on international spends
- Welcome benefit: 12,500 reward points on card activation
Cons
- High annual fee of ₹12,500 + GST — only worth it if you use the benefits
- Steep eligibility — minimum income Invite only (₹4L+/month)
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- Unlimited Airport lounge access globally
- Global Concierge & Golf privileges
- Club Marriott membership for 1 year
- Dedicated Relationship Manager
Fees & charges at a glance
| Joining Fee | ₹12,500 + GST |
|---|---|
| Annual Fee | ₹12,500 + GST |
| Rewards | 5 reward points for every ₹150 spent |
| Welcome Benefit | 12,500 reward points on card activation |
| Lounge Access | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ |
| Add-On Card Fee | Free |
| Min Income | Invite only (₹4L+/month) |
| Network | Visa Infinite |
| Contactless | Yes |
| EMI Conversion | Yes |
Who should get this card?
The HDFC Infinia Metal is best suited for ultra high spenders. It is a super premium card on the Visa Infinite network, and HDFC Bank generally looks for a minimum income of Invite only (₹4L+/month). If your spending matches its reward categories (5 reward points for every ₹150 spent), the card can pay for its annual fee of ₹12,500 + GST. If not, a lifetime-free card may give you better net value.
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HDFC Infinia Metal: frequently asked questions
What is the annual fee of the HDFC Infinia Metal?
The HDFC Infinia Metal has a joining fee of ₹12,500 + GST and an annual fee of ₹12,500 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with HDFC Bank.
What rewards does the HDFC Infinia Metal give?
5 reward points for every ₹150 spent. Unlimited Airport lounge access globally. Global Concierge & Golf privileges.
Does the HDFC Infinia Metal offer airport lounge access?
Yes. The HDFC Infinia Metal offers unlimited domestic + international (priority pass). Lounge programmes are often linked to a minimum spend in the previous quarter, so confirm the current rule with HDFC Bank.
What is the eligibility and minimum income for the HDFC Infinia Metal?
HDFC Bank typically requires a minimum income of Invite only (₹4L+/month) for the HDFC Infinia Metal, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the HDFC Infinia Metal?
The HDFC Infinia Metal charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the HDFC Infinia Metal?
The foreign currency markup on the HDFC Infinia Metal is 2.0% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the HDFC Infinia Metal to UPI?
No. The HDFC Infinia Metal runs on the Visa Infinite network. Only RuPay credit cards can be linked to UPI in India at present.
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