HDFC BankVisaSuper-premium

Infinia Metal credit card

India’s benchmark points card: 3.3% back, unlimited lounges, 1:1 flight redemptions.

Personal score52/100● Good fit

Recurring net savings₹4,460/yrafter fee, GST and caps · bills paid in full

First-year value₹4,460incl. ₹10,625 welcome, ₹14,750 joining fee

Effective savings rate1.4%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)You pay ₹14,750waiver at ₹10,00,000 spend

Lounge access✈∞ dom🌏∞ intlyou can use 2 of your visits

Personalise Official page ↗

Source: HDFC Bank – Infinia Metal product page · last reviewed 2026-09-19

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹5,644/yrBase rate 2.83% on other spends

−₹14,750Fee you pay

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! You pay the ₹14,750 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.

Where the money comes from

₹4,460/yr · 1.4%

Base rate 2.83% on other spendson ₹1,99,440₹5,644

Grocery (capped 2,000 RP/mo)on ₹43,200₹1,223

Utilities (capped 2,000 RP/mo)on ₹30,000₹849

Insurance (capped 10,000 RP/mo since Jul 2025)on ₹18,000₹509

Excluded categories (no rewards)on ₹36,000₹0

Fuel surcharge waiver₹360

12,500 RP on renewal fee payment (only when…renewal benefit₹10,625

Renewal fee incl. GSTyou pay it−₹14,750

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹4,460/yr is calculated: Infinia Metal
+ Reward value on your spendat ₹0.85/Reward Points realistic value: ₹8,225
+ Fuel surcharge waiver1% up to ₹1,000/month: ₹360
+ Renewal bonuspaid because the fee is charged: ₹10,625
− Annual fee incl. 18% GSTcharged every year: −₹14,750
= Recurring net savings: ₹4,460/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 1.4%

How the score of 52 is built

weights total 100% · methodology

Net savings rate28/100 × 55%15.2

Usable lounge access100/100 × 15%15.0

Redemption flexibility80/100 × 10%8.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety20/100 × 5%1.0

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

Unlimiteddomestic

Unlimitedinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
🌏T2 080 International Lounge BIAL · via Priority Pass verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Apr 2026Policy changeHDFC Bank
HDFC Infinia: ₹18 lakh annual spend or ₹50 lakh relationship expected to retain the card
From 1 April 2026 HDFC Bank expects Infinia holders to either spend ₹18 lakh a year across primary and add-on cards or hold ₹50 lakh total relationship value with the bank; accounts below both thresholds may be downgraded. Earn rates, SmartBuy multipliers and transfer ratios were not cut in this notice. HDFC has not published the segment-wise treatment, so treat downgrade reports as unconfirmed.
Cards: Infinia Metal · Source: SaveSage – HDFC Infinia changes April 2026 · verified 2026-09-19
1 Jul 2025New feeHDFC Bank
HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps
From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.
Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn2.83%value on eligible spend

⚡ Accelerated2.83% Insurance 2.83% Grocery 2.83% Utilities 2.83% Education via direct…

🚫 No rewards onfuelrent

🏷️ Fees₹14,750/yr incl. GSTwaived on ₹10,00,000 spend · joining ₹12,500

🎁 Welcome (year 1)≈ ₹10,62512,500 RP on joining-fee payment

🏁 Milestonesnone

✈️ Lounge✈∞ dom🌏∞ intlPriority Pass (primary) + Visa Infinite lounges

🌏 Forex markup2%+ GST on the markup

🔁 Redemption₹0.85/Reward Points ★★★★☆1 RP = ₹1 on SmartBuy flights/hotels (capped 1.5L RP/month); ₹0.5 on vouchers; ₹0.3 statement credit. We use ₹0.85 as a realistic blend.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestylegolfconciergehotel statusfuel waiverinsurance coverClub Marriott membership & ITC dining offers · Unlimited golf games

🪪 EligibilityInvite-only in practice; income ₹25L+/yr or ₹3L+/month salary. From Apr 2026 HDFC expects ₹18L annual spend or a ₹50L relationship to retain the card

At a glance

Flat 5 RP per ₹150 on almost everything
Unlimited domestic & international lounge visits
Renewal fee waived on ₹10L annual spend

Hard to get – mostly invite-based
Retention now expects ₹18L annual spend or ₹50L relationship (Apr 2026)
Grocery and utility spend capped at 2,000 RP a month

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Community Q&A on the Infinia Metal

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank Infinia Metal?

Joining fee ₹12,500 and renewal fee ₹12,500, plus 18% GST (₹14,750 a year). The renewal fee is waived if you spend ₹10,00,000 in the card year.

Does the Infinia Metal give airport lounge access?

unlimited domestic + unlimited international/yr. Priority Pass (primary) + Visa Infinite lounges.

How much can I save with the Infinia Metal?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,460 a year, an effective savings rate of 1.4% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Infinia Metal's reward exclusions and caps?

No rewards on fuel, rent. Insurance (capped 10,000 RP/mo since Jul 2025): capped at ₹8,500 a month; Grocery (capped 2,000 RP/mo): capped at ₹1,700 a month; Utilities (capped 2,000 RP/mo): capped at ₹1,700 a month; Education via direct merchant: capped at ₹1,700 a month

Sources

Reviewed 2026-09-19. Point values are our realistic estimates – see methodology. Also: Infinia Metal lounge access by airport · all HDFC Bank cards · change log.