HDFC Bank INFINIA Metal Edition
HDFC Bank · Checked 2026-10-11
HDFC Bank INFINIA Metal Edition is a premium card built around travel benefits, airport lounge access and reward points, with a ₹12,500 annual fee before GST.
CardIQ editorial view
Our take
HDFC Bank INFINIA Metal Edition is a premium card built around travel benefits, airport lounge access and reward points, with a ₹12,500 annual fee before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise airport lounge access.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Premium Reward Points and SmartBuy benefits on eligible purchases.
Trade-offs to understand
- Premium Reward Points and SmartBuy benefits on eligible purchases; issuer caps, exclusions and redemption rules apply.
- The ₹12,500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Shortlist it only if you can repeatedly use the premium benefits and comfortably recover the fee. Pay particular attention to this condition: Premium Reward Points and SmartBuy benefits on eligible purchases; issuer caps, exclusions and redemption rules apply.
Compare before deciding
- Axis Bank MAGNUS — A similarly priced alternative for comparing airport lounge access and reward points.
- ICICI Bank Emeralde Private Metal — A lower-fee way to compare similar strengths in airport lounge access and reward points.
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Benefits, limits and conditions
- Premium Reward Points and SmartBuy benefits on eligible purchases; issuer caps, exclusions and redemption rules apply.
- Renewal fee reversal requires ₹10 lakh of qualifying annual spend.
- Benefits and eligibility remain subject to the current HDFC Bank product terms.