HDFC Bank INFINIA Metal Edition

Lounge access

• Within India: Infinia & Infinia (Metal Edition) Primary and Add-on cardholders get unlimited complimentary lounge access by swiping the credit card (₹2 charged for Visa cardholders per visit, later reversed).
• Outside India: Complimentary Priority Pass membership for Primary and add-on cardholders with unlimited lounge access for priority pass card holder.
• Any guest visit using Priority Pass charged at USD 27 + GST per visit per guest.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Forex markup

2% of transaction value on Foreign Currency Transactions.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Interest-free period

• Interest free credit period ranges from 20 to 50 days, subject to the scheme and submission of claims by merchant.
• Not applicable if previous balance unpaid or cash withdrawn from ATM.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Charge

• Finance charge (revolving credit & cash advance): 1.99% per month (23.88% annually).
• Cash advance fee: NOT applicable for Infinia/Infinia Metal Edition (excluded from 2.5% or ₹500 fee).
• Late Payment Charges: excluded for Infinia (Metal Edition).
• Over Limit charges: excluded for Infinia (Metal Edition).
• Payment Return Charges: 2% of payment amount, min ₹450 (capped at ₹4999 for Infinia & Infinia Metal).
• Cash Processing Fee: ₹100.
• Reissue of Lost/Stolen/Damaged Card: ₹3,500 for metal cards.
• Dynamic currency conversion markup fee: 1.75% w.e.f 15th May 2026 on transactions in INR at international location/merchants registered overseas (FCY markup clubbed as one entry).
• Add-on Card Fee: Lifetime Free.
• Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
• Rent Pay: 1% w.e.f 1st July 2025 capped ₹4999/txn.
• Fuel Charges: 1% on fuel txn exceeding ₹15,000 (consumer cards), capped ₹4999/txn.
• Utility Charges: 1% on utility spends exceeding ₹50,000/calendar month (consumer), capped ₹4999/month.
• Education Charges: 1% via third-party apps (CRED, Nobroker, Cheq etc.), capped ₹4999/txn.
• Online Skill based Gaming: 1% on spends exceeding ₹10,000/calendar month w.e.f 1st July 2025, capped ₹4999/month.
• Wallet Loading (excl PayZapp): 1% on spends exceeding ₹10,000/calendar month w.e.f 1st July 2025, capped ₹4999/month.
• Duplicate physical statement: ₹10.
• Rewards Redemption Fee: not applicable for Infinia/Infinia (Metal Edition).
• Card Validation charges: ₹2 (all variants except MasterCard).
• GST: applicable on all fees, interest and charges.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Fuel surcharge waiver

1% fuel surcharge waiver on minimum transaction of ₹400, maximum waiver of ₹1000 per statement cycle (GST on fuel surcharge not reversed).

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Reward exclusion

Verified · harvested from product page · 2026-07-30 · source

Reward cap

• Max 2,00,000 reward points per statement cycle (Infinia/Infinia Metal).
• Insurance transactions capped at 10,000 reward points per month (w.e.f 1st July 2025).
• Grocery capped at 2000 RP/month.
• Utility capped at 2000 RP/month.
• Telecom capped at 2000 RP/month.
• SmartBuy flights & hotels redemption capped 1,50,000 RP/calendar month.
• Cashback/statement balance redemption capped 50,000 RP/calendar month.
• SmartBuy brand vouchers capped 3,000 accelerated RP/calendar month (w.e.f 1 July 2026, part of 15,000 SmartBuy monthly cap).

Verified · harvested from product page · 2026-07-30 · source

Concierge

• 24-hour dedicated customer care and Golf Concierge Assistance services for booking/cancellation via Toll free 1800 118 887 (India) or Landline 022 42320226.
• Customers overseas can call Landline 022-6171 7606.

Verified · harvested from product page · 2026-07-30 · source

Hotel benefit

• Complimentary Club Marriott Membership for the first year (366 days from card issuance): up to 25% off Food & Beverage bill for up to 20 guests (select hotels 15%).
• Up to 20% off Best Available Rate on rooms at participating Marriott hotels in India and Weekend Rates in Asia Pacific.
• 20% off Spa services at select Marriott managed spas in India.
• Plus two one-time-use stay certificates (one 30% off Best Available Rate for max 2 consecutive nights; one room upgrade to next category).
• Complimentary Spouse Card available.
• Not renewed by HDFC Bank.

Verified · harvested from product page · 2026-07-30 · source

Golf benefit

• Unlimited complimentary golf lessons & games with 100% green fee waiver on golf courses worldwide on weekdays and weekends.
• Access via Golf Concierge (1800 118 887).
• Cardholder may hold only one booking at a time and book a maximum of 14 days in advance.
• A ₹5 authentication transaction is required at the golf course.
• Guests (max 3 per booking) pay applicable rates.
• Cancellation/No-Show fee ₹500 + taxes per person.

Verified · harvested from product page · 2026-07-30 · source

Insurance

• Select Credit Card variants have a complimentary insurance cover on the Card.
• Policy coverage starts from the date of the Credit Card set up.
• For nominee details and terms, refer to usage guide.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Eligibility

• Continued access to the Infinia programme (effective 1st April 2026) aligned to minimum Infinia Card spends of ₹18 Lakhs (Primary + Add-ons) per financial year OR Relationship Value of ₹50 Lakhs (combined average monthly balances in Savings, Current, Fixed and Recurring Deposit Accounts).
• Cardholders not meeting criteria offered next best alternate variant or card closed with minimum 30 days prior notice.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source

Official terms

https://www.hdfc.bank.in/credit-cards/infinia-credit-card.

Verified · Most Important Terms & Conditions (MITC) - covers Infinia (Metal Edition) · 2026-07-30 · source