HDFC Bank INFINIA Metal Credit Card – Benefits, Fees & Eligibility

HDFC Bank INFINIA Metal Credit Card

The HDFC Bank INFINIA Metal Credit Card is the most premium offering from HDFC Bank, designed exclusively for high-net-worth individuals seeking luxurious benefits and high rewards. This invite-only card provides an array of exclusive privileges, including 24x7 global concierge services, complimentary access to premium golf courses worldwide, and attractive dining benefits at top-tier restaurants. Keeping international travel needs in mind, it features a low foreign currency markup fee of 2% and complimentary Priority Pass membership for unlimited airport lounge access globally. As a Reward Points-based card, it allows cardholders to earn 5 Reward Points for every ₹150 spent, making it a highly rewarding choice for those who maintain financial stability and demand an uncompromising lifestyle.

Welcome Benefits

• Complimentary Club Marriott membership for the first year upon fee realization and card activation. This membership offers:
  • Up to 25% discounts on Dining and Stay across the Asia-Pacific region (as per one source).
  • Up to 20% off on Food & Beverage bills for a maximum of 10 guests.
  • Up to 15% off at select hotels for a maximum of 10 guests.
  • 20% off on the Best Available Rates for rooms at participating Marriott hotels in India.
  • 20% off on Weekend Rates in the Asia Pacific.
  • 20% off on Spa services at select participating Marriott hotels in India between Monday and Friday.
  • To activate, apply for membership with the Club Marriott South Asia App, enter your membership number, verify mobile number and email, then create login credentials.
• Get 12,500 bonus Reward Points upon fee realization and card activation.

Fees

• Joining/Renewal Membership Fee (INFINIA Metal Edition): ₹12,500 + Applicable Taxes.
• Joining/Renewal Membership Fee (for Infinia cards sourced before 18th Oct’21): ₹10,000 + Applicable Taxes.
• Spend-Based Waiver:
  • Renewal membership fee is waived off for the next year if ₹10 lakhs or more are spent in the preceding 12 months (for Metal Edition).
  • Renewal membership fee is waived off for the next year if ₹8 lakhs or more are spent in the preceding 12 months (for cards sourced before 18th Oct’21).
• Rewards Redemption Fee: Nil.
• Foreign Currency Markup: 2% + GST (~2.36%) on all foreign currency transactions. This is considered a very low markup fee.
• Interest Rates: 1.99% per month (23.8% annualized) on the due amount.
• Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹1,00,000 at all fuel stations across India. The maximum waiver is capped at ₹1,000 per statement cycle. No Reward Points are earned on fuel transactions.
• Cash Advance Charges: NIL, however, interest charges are applicable from the date of cash advance.

Rewards

Reward Point Accrual

• Earn 5 Reward Points on every ₹150 retail spends, including Insurance, Utilities, and Education.
• Earn up to 10 times Reward Points on travel and shopping spends on the HDFC SmartBuy platform.
• Reward Points for insurance transactions are capped at 10,000 per month.
• Reward Points for grocery, telecom, and utilities are capped at 2,000 Points per month.
• Accelerated rewards earned with Infinia are capped at 15,000 points per month.
• Transactions such as fuel, rent, property management, government spending, EasyEMI, and e-wallet reloading are not eligible for Reward Points.

Movies & Dining

• Complimentary Club Marriott membership for the first year with dining benefits:
  • Up to 20% off on Food & Beverage bills.
  • Member's Day on Tuesday: Avail 50% off on the food bill and 25% off on the beverage bill at all participating All Day Dining restaurants in India.
  • Member's Night on Monday: Buy one drink and get the second drink (same as the first one) with compliments for 7
    PM onwards at all participating Bars in India.
• Hotel & Dining Benefit at ITC Hotels:
  • 1+1 complimentary buffet at participating ITC hotels (one complimentary buffet per booking and one booking per month). Book through HDFC INFINIA 24x7 concierge services.
  • Book stay for 3 nights and pay for two at participating ITC hotels.
  • Book a 2-night stay and receive a complimentary one-night stay at partner ITC hotels. These offers are applicable for advance booking.
• HDFC Bank x Swiggy Dineout - Good Food Trail:
  • Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants.
  • Get up to ₹500 off while paying dining bills via Swiggy Dineout. This discount is available twice a month, subject to a minimum bill amount of ₹3,500. Offer valid from January 2, 2025, to December 31, 2025.

Travel

• Complimentary Club Marriott membership for the first year with travel benefits:
  • Up to 20% off the best available rates at participating Marriott hotels in India.
  • 20% off on Weekend Rates in the Asia Pacific.
• ITC Hotels Complimentary Stay Benefits:
  • Book a 2-night stay at partner ITC hotels and receive a complimentary one-night stay.
  • Stay for 3 nights and pay for only 2 at participating ITC Hotels with the HDFC Bank Infinia Credit Card (applicable for advance booking).
• Flight Bookings: Redeem Reward Points for flight bookings via the SmartBuy portal at a value of 1 RP = ₹1.
• Airmiles conversion through Netbanking at a value of 1 RP = Upto 1 airmile.

Domestic Lounge Access

• Enjoy unlimited complimentary airport lounge access in India for primary and add-on cardholders using the Infinia card.

International Lounge Access

• Enjoy unlimited complimentary airport lounge access outside India at 1,000+ airport lounges using Priority Pass. This benefit is also available for add-on Priority Pass holders.
• With the Priority Pass membership, you can get unlimited complimentary international lounge access for primary and add-on Infinia cardholders worldwide.

Golf

• Unlimited complimentary golf lessons and games at leading courses across India and select courses across the world.
• Unlimited complimentary golf coaching at select golf courses across India.
• Each golf lesson spans a minimum of 30 minutes and includes instructor's fees and range golf balls (50 golf balls per lesson).
• To book, call the concierge at 1800 118 887 or 022 42320226.

Insurance

• Accidental Air Death cover worth ₹3 Crore.
• Emergency overseas hospitalization cover up to ₹50 lakhs in case of emergency.
• Credit Shield Cover for up to ₹9 lakhs.
• Only the primary cardholder receives the insurance benefits.

Lifestyle

• Metallic Card edition available.
• Global Personal Concierge - 24x7 assistance for customized travel, entertainment, and business experiences.
• Smart EMI option to convert big spends into EMI after purchase.
• Contactless payment enabled for fast, convenient, and secure payments at retail outlets. For transactions up to ₹5,000, no PIN is required; for transactions ₹5,000 and above, the cardholder must enter the Credit Card PIN.

Rewards Redemption Guide

• Reward Points can be redeemed on the HDFC SmartBuy portal or via Netbanking.
• Redemption Values:
  • Flight and Hotel Bookings via SmartBuy: 1 Reward Point = ₹1.
  • Apple products and Tanishq vouchers via SmartBuy: 1 Reward Point = ₹1.
  • Airmiles conversion through Netbanking: 1 Reward Point = Upto 1 airmile.
  • Products and Vouchers via Netbanking or SmartBuy: 1 Reward Point = Upto ₹0.50.
  • Cashback (redemption against card's statement balance): 1 Reward Point = ₹0.30.
• Redemption Limits:
  • For flight and hotel bookings, as well as Apple and Tanishq vouchers, only 70% of the total payment can be made through Reward Points.
  • Reward point redemption on Smartbuy against hotel and flight bookings is capped at 1,50,000 Reward Points per month.
  • Reward point redemption on Smartbuy against Tanishq vouchers is capped at 50,000 Reward Points per calendar quarter (April-June, July-September, October-December, and January-March).
• Reward Point Validity: Reward Points expire after 3 years from the date of accumulation. If the card is not used for 365 days, the Points are nullified.
• Steps to Redeem via Netbanking:
  • Login to your HDFC Netbanking account.
  • Click on the 'Credit Cards' tab.
  • Register your credit card if not already done.
  • Click on the option 'Redeem reward points' on the left navigation bar.
  • Select your card and click on continue.
  • Select the required category/products and redeem your points.
• Airmiles Transfer Partners (via Netbanking):
  • Air Canada Aeroplan: 1 Reward Point = 0.5 Aeroplan Miles
  • Club ITC: 1 Reward Point = 0.5 Green Points
  • SpiceClub: 1 Reward Point = 1 SC Point
  • Avianca LifeMiles: 1 Reward Point = 1 LifeMile
  • Turkish Airlines Miles & Smiles: 1 Reward Point = 1 Turkish Airlines Miles & Smiles
  • United MileagePlus Miles: 1 Reward Point = 0.5 MileagePlus Mile
  • British Airways Avios: 1 Reward Point = 0.5 Avios
  • Finnair Plus: 1 Reward Point = 1 Finnair Plus Point
  • AirAsia Rewards: 1 Reward Point = 1 AirAsia Point
  • Etihad Guest: 1 Reward Point = 0.5 Etihad Guest Points
  • Hainan Airlines Fortune Wings Club: 1 Reward Point = 1 Fortune Wings Club Point
  • Accor ALL: 1 Reward Point = 1 ALL Point
  • IHG One: 1 Reward Point = 1 IHG One Point
  • Wyndham Rewards: 1 Reward Point = 1 Wyndham Rewards Point

Card Eligibility Criteria

• Membership for the HDFC Bank INFINIA Metal Credit Card is strictly by invitation only.
• Basic Eligibility Requirements (General Guidelines):
  • Age should be between 21 and 65 years.
  • Must have a high annual income, preferably ₹45 lakhs or more.
  • Requires a very good credit history and an existing relationship with HDFC Bank.
  • Total Relationship Value (TRV) with HDFC Bank should exceed ₹25 lakhs.
  • Prospective cardholders should ideally already possess an HDFC Credit Card with a high credit limit or demonstrate high spends above ₹8 lakhs in the past six months.

Card Review

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering that stands out for its luxurious benefits and high reward rates. It is an excellent choice for high-net-worth individuals who prioritize exclusive lifestyle privileges, extensive travel benefits, and superior reward earnings. The card excels in providing unlimited access to domestic and international airport lounges, unlimited complimentary golf games at premier courses globally, and a comprehensive concierge service available 24x7 to tailor travel, entertainment, and business experiences. While the joining and annual fees are on the higher side, the card's value proposition, including bonus reward points, accelerated earnings on SmartBuy, and significant dining and hotel benefits, justifies the cost for its target audience. The option for a spend-based fee waiver further enhances its appeal.

Pros

• Unlimited lounge access at domestic and international airports worldwide for both primary and add-on cardholders via Priority Pass.
• Unlimited complimentary golf games and coaching at leading courses across India and select international locations.
• Highly rewarding with 5 Reward Points for every ₹150 spent, and up to 10X points on SmartBuy.
• Valuable welcome and renewal benefits, including bonus Reward Points and complimentary Club Marriott membership.
• Low foreign currency markup fee of 2%.
• Comprehensive insurance benefits, including air accidental death cover, overseas hospitalization, and credit shield.

Cons

• The card is invite-only, making it inaccessible to many potential applicants due to strict eligibility criteria. This can be considered its primary drawback.

Important Product Details

• Metallic Card variant.
• 1 year complimentary Club Marriott membership as an introductory benefit.
• 12,500 Reward Points as an introductory benefit upon fee realization and card activation.
• Unlimited access to airport lounges across the globe for both primary and add-on cardholders through Priority Pass.
• Earn 5 Reward Points on every ₹150 spent (excluding fuel transactions).
• Features a 24x7 global concierge service.
• Unlimited golf games at leading golf destinations in India and abroad, including coaching.
• 1+1 complimentary buffet at participating ITC hotels on weekends.
• 2+1 complimentary night stay at participating ITC hotels.
• Annual membership fee can be waived based on specified annual spending.
• Lowest foreign currency markup fee of 2%.
• Zero lost card liability upon immediate reporting of loss.
• Up to 50 days of interest-free credit period from the date of purchase.
• Revolving credit facility available at a nominal interest rate.
• Enabled for contactless payments for transactions up to ₹5,000 without PIN, and with PIN for transactions ₹5,000 and above.
• Comprehensive insurance protection: ₹3 Crore accidental air death cover, ₹50 lakhs emergency overseas hospitalization, and ₹9 lakhs credit shield cover.

Other Details

• Concierge Contact Information:
  • Toll Free No.: 1800 118 887
  • Landline No.: 022 42320226
  • Email ID: Infinia.support@smartbuyoffers.co
• HDFC Bank Customer Service:
  • Toll Free: 1800 266 3310
  • Landline: 022-6171 7606 (For customers travelling overseas)
  • E-mail: infinia.services@hdfcbank.com
• The HDFC Bank Infinia Credit Card comes with a credit limit of a minimum of ₹8 lakhs to ₹10 lakhs. However, it features a No Pre-Set Credit Limit (NPSL) option, allowing cardholders to request an increased credit limit by contacting the Infinia HDFC team.