In the realm of premium credit cards, the HDFC Infinia Credit Card Metal Edition stands out as a symbol of exclusivity and sophisticated benefits. Tailored for high-net-worth individuals, this invitation-only card offers a harmonious blend of luxury, convenience, and rewarding experiences designed to enhance travel, lifestyle, and everyday spending.
Eligibility and Invitation-Only Access
Unlike typical credit cards available through standard applications, HDFC Infinia is offered strictly by invitation. Eligibility depends on maintaining a high credit score, substantial banking relationships, and meeting HDFC Bank’s internal criteria. This exclusivity ensures the cardholder community shares a premium profile.
Reward Points and Redemption Flexibility
- Earning Rates: 5 Reward Points per ₹150 on all retail spending—including utilities, insurance, and education expenses. Shopping and travel via HDFC’s SmartBuy platform can earn up to 10X points.
- Redemption Options:
- Redeem points at ₹1 per point value for flights, hotels, Apple products, and Tanishq vouchers via SmartBuy.
- Convert points to air miles at a 1:1 ratio.
- Redeem for products or vouchers at up to ₹0.50 per point or cashback at ₹0.30 per point.
- Validity: Points do not expire as long as the card remains active, with no monthly earning caps.
Luxury Lifestyle and Travel Privileges
- Club Marriott Membership: Complimentary for the first year, granting up to 20% discounts on dining and hotel stays across Asia-Pacific. Cardholders also enjoy special offers at ITC Hotels, including “stay 3 nights, pay for 2” and 1+1 buffet offers at select properties.
- Airport Lounge Access: Unlimited complimentary entry for both primary and add-on cardholders to over 1,000 lounges worldwide through Priority Pass.
- Good Food Trail Program: Flat 10% discount on dining at over 35,000 restaurants across India via a partnership with Swiggy Dineout (valid through December 31, 2025).
Exceptional Golf Benefits
For golf aficionados, HDFC Infinia delivers unmatched value:
- Unlimited free rounds of golf at premier courses in India and select international locations.
- Complimentary coaching sessions at top Indian golf clubs.
- Concierge service to easily schedule golfing experiences.
Fuel Surcharge Waiver
Enjoy a 1% surcharge waiver on fuel transactions between ₹400 and ₹1,00,000 at all fuel stations across India. Note, however, these fuel purchases do not earn reward points.
Insurance and Financial Protection
Robust insurance protections accompany the card, enhancing peace of mind:
- ₹3 crore accidental air death coverage for the primary cardholder.
- Emergency overseas hospitalization coverage up to ₹50 lakh.
- Credit shield coverage up to ₹9 lakh for outstanding dues in the event of permanent disability or death.
Fees, Charges, and Interest
- Joining and Renewal Fees: ₹12,500 plus GST each, with renewal fees waived for those spending ₹10 lakh or more annually.
- Foreign Exchange Markup: 2% on international transactions.
- Finance Charges: Subject to usage and terms set by HDFC Bank.
- Interest-Free Credit: Up to 50 days on purchases, with access to revolving credit and smart EMI options.
Summary: The HDFC Infinia Credit Card Experience
| Feature | Details |
|---|---|
| Eligibility | Invite-only; high credit score and banking relationship required |
| Reward Points | 5 RP per ₹150 spent; up to 10X on SmartBuy transactions |
| Redemption | ₹1 per point on travel & Apple/Tanishq; 1 RP = 1 air mile; vouchers/product options available |
| Lounge Access | Unlimited domestic & 1,000+ international lounges via Priority Pass |
| Additional Perks | Club Marriott membership, dining discounts, ITC Hotel offers, Good Food Trail |
| Golf Benefits | Unlimited rounds & coaching with concierge support |
| Fuel Surcharge Waiver | 1% surcharge waiver on fuel transactions, no RP earned on fuel |
| Insurance | ₹3 Cr air accident, ₹50 L overseas hospitalization, ₹9 L credit shield |
| Fee Structure | ₹12,500 joining & renewal fee; renewal waived on ₹10L annual spend |
| Interest-Free Credit Period | Up to 50 days; smart EMI options available |
Conclusion
HDFC Infinia is more than a credit card—it is a lifestyle enabler crafted for those who seek unparalleled rewards and benefits. Its comprehensive suite, from luxurious travel privileges to extensive insurance protection and golf perks, makes it a strong contender in India’s premium card segment. However, potential cardholders must evaluate their spending patterns and financial goals to ensure the investment aligns with the value offered. For discerning customers, the Infinia card promises an elevated credit experience like no other.
