Unlimited complimentary domestic and international lounge access for the primary and add-on members via Priority Pass.
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HDFC Infinia Credit Card (Metal Edition)
HDFC's invite-only metal flagship for serious spenders: roughly 3.3% base value that can climb toward 33% on SmartBuy hotel and flight bookings, plus unlimited lounge access, at a Rs.12,500 annual fee (as of 2026). It only pays off above heavy spend, so if you can't push large travel volume through SmartBuy, the cheaper Regalia Gold gets you lounges for a fraction of the fee. Put Rs.5 lakh through SmartBuy at the top multiplier and the rewards dwarf the fee; spend it all at base rate and you barely break even. The 2% foreign markup is low by Indian-card standards. It's invite-only, so eligibility is the real gate, confirm current terms with HDFC directly.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓5 Reward Points earned for each Rs.150 of retail spending
- ✓As much as 10X Reward Points on flights, hotels and more booked through SmartBuy
- ✓Complimentary golf rounds each year at courses in India and abroad
- ✓Each Reward Point is worth up to Rs.1 toward flight and hotel redemptions
- ✓Complimentary stays at participating ITC hotels
👍 Pros
- + Outstanding reward value, particularly via SmartBuy
- + Unlimited global lounge entry for you and your add-on cardholders
- + A modest 2% forex markup for a super-premium product
- + 6 complimentary golf rounds each quarter
👎 Cons
- – Invite-only with a very high income bar
- – A heavy annual fee unless your spending waives it
- – Some categories such as utilities and education now carry reward caps
Can you get it?
- ▸Indian resident with a solid CIBIL score, preferably 750 or higher
- ▸High yearly income, salaried or self-employed, matching HDFC's invite criteria
- ▸Usually offered to existing premium HDFC relationship customers
- ▸A valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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