⭐ Editor's Choice — Top Rated Pick
HDFC Infinia Credit Card Metal Edition
📍 Available in: India
★★★★★ 4.9 / 5.0
HDFC Infinia Metal is India’s most coveted invite-only credit card. It delivers a base reward rate of 3.33% (5 Reward Points per ₹150 spent) and accelerates to 16.5% on flights (5x) and 33.3% on hotels and GyFTR vouchers (10x) via the HDFC SmartBuy portal, where 1 RP = ₹1.00. Even better, whenever you pay the ₹12,500 renewal fee, HDFC credits 12,500 Reward Points (worth ₹12,500) back to your account.
Key Facts at a Glance
| Cost / Fee Structure | ₹12,500 + GST (Waived on ₹10L Annual Spend) |
| APR / Rate | 23.88% p.a. (1.99%/mo Revolving) |
| Sign-Up Bonus / Match | 12,500 Reward Points (= ₹12,500 Value) |
| Credit / Eligibility | CIBIL 760+ (Invite Only / ₹5L+ Net Monthly Salary) |
Pros & Cons
✓ Pros
- ✓Highest consistent net reward yield (3.33% base to 33.3% portal) in Indian banking
- ✓Annual fee of ₹12,500 is compensated with 12,500 Reward Points (worth ₹12,500 on flights)
- ✓Add-on family members receive their own Priority Pass cards with unlimited free international lounge visits
✕ Cons
- ✕Strictly Invite-Only (requires existing HDFC relationship + ₹5 Lakh/month net salary or ₹60L+ ITR)
- ✕Accelerated 5x/10x SmartBuy bonus points are capped at 15,000 bonus points per calendar month
Key Features
Up to 10x Reward Points (33.3% Return) on HDFC SmartBuy PortalUnlimited Domestic & International Priority Pass Lounges (Primary + Add-On Family)1:1 Point Redemption for Flights, Hotels, Apple Products & Tanishq Gold (1 RP = ₹1)Unlimited Complimentary Golf Games & Coaching Across India and Select Global Courses
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