Infinia Metal Edition Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: HDFC Bank
Network: Visa | Tier: Premium
5 RP per ₹150, 1:1 conversion, 10X points on SmartBuy (up to 33.3% savings)
Why Choose the Infinia Metal Edition Credit Card?
The Infinia Metal Edition Credit Card is a Premium-tier Visa credit card issued by HDFC Bank, rated 4.9/5 by the Credit Card Hunt editorial team. It is best suited for High spenders & travel enthusiasts. With a reward rate of 5 Reward Points per ₹150 spent on all retail spends and an annual fee of ₹12,500, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with 12,500 Reward Points upon joining/fee payment, which adds immediate value in the first year.
Infinia Metal Edition Credit Card Fees & Charges
| Annual Fee | ₹12,500 |
|---|---|
| Joining Fee | ₹12,500 |
| Interest Rate | 1.99% per month |
| Foreign Markup | 2% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver (on spends between ₹400 and ₹1,00,000) |
Infinia Metal Edition Credit Card Rewards & Benefits
| Reward Rate | 5 Reward Points per ₹150 spent on all retail spends |
|---|---|
| Welcome Bonus | 12,500 Reward Points upon joining/fee payment |
| Lounge Access | Unlimited domestic and international airport lounge access (via Priority Pass) for primary and add-on cardholders |
| Best For | High spenders & travel enthusiasts |
Key Highlights of the Infinia Metal Edition Credit Card
- 5 RP per ₹150, 1:1 conversion, 10X points on SmartBuy (up to 33.3% savings)
- 5 Reward Points per ₹150 spent on all retail spends
- Unlimited domestic and international airport lounge access (via Priority Pass) for primary and add-on cardholders
- Air Accident Cover up to ₹3 Crore, Emergency Medical Cover up to ₹50 Lakhs
- Taj vouchers on annual spends thresholds
Infinia Metal Edition Credit Card Eligibility Criteria
- Age: Invite-only years
- CIBIL score: 780+
- Minimum income: ₹30,00,000/year
Minimum Income Required: ₹30,00,000/year
Advantages of the Infinia Metal Edition Credit Card
- Best reward rate in India
- 1:1 points-to-miles conversion
- Unlimited lounge access for primary and add-on members
Drawbacks of the Infinia Metal Edition Credit Card
- Strict invite-only eligibility
- high spending threshold for annual fee waiver
Infinia Metal Edition Credit Card — Frequently Asked Questions
What is the annual fee of the Infinia Metal Edition Credit Card?
The Infinia Metal Edition Credit Card has an annual fee of ₹12,500 and a joining fee of ₹12,500. New cardholders receive 12,500 Reward Points upon joining/fee payment as a welcome benefit, which helps offset the joining cost.
Does the Infinia Metal Edition Credit Card offer airport lounge access?
Yes — the Infinia Metal Edition Credit Card offers Unlimited domestic and international airport lounge access (via Priority Pass) for primary and add-on cardholders.
Who is eligible for the Infinia Metal Edition Credit Card?
The minimum income requirement is ₹30,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Infinia Metal Edition Credit Card?
The Infinia Metal Edition Credit Card earns 5 Reward Points per ₹150 spent on all retail spends. It is best suited for High spenders & travel enthusiasts.
Credit Cards Similar to the Infinia Metal Edition Credit Card
If you are considering the Infinia Metal Edition Credit Card, these super premium credit cards are worth comparing before you apply:
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Diners Club Black Credit Card by HDFC Bank — rated 4.8/5, ₹10,000 annual fee
Expert Rating: 4.9/5