HDFC Bank Infinia Metal credit card
HDFC BankVisaSuper-premium

Infinia Metal credit card

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

49
Personal score49/100● 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
PersonaliseOfficial page ↗

Source: HDFC Bank – Infinia Metal product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

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 5,000 RP/mo)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 the score of 49 is built

weights total 100% · methodology
Net savings rate23/100 × 55%12.5
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.

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

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
  • Grocery and utility spend capped at 2,000 RP a month
  • SmartBuy 1:1 redemption needs planning

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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 5,000 RP/mo): capped at ₹4,250 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 2026-09-12. Point values are our realistic estimates – see methodology.