HDFC Infinia Metal Edition
HDFC Bank
Annual Fee
₹10,000
Joining Fee
₹10,000 + GST
Base Reward
1% cashback
Foreign Markup
3.5% + GST
Fee Waiver
Waived on ₹10L annual spend
Interest Rate
3.5% per month (42% annually)
Welcome Benefits
10,000 CashPoints on card setup
Product Highlights
- 5% cashback at Amazon, Flipkart, Myntra, Swiggy, Zomato, BigBasket, BookMyShow, Cult.fit, Tata 1mg, Ola
- ₹5,000 gift vouchers on ₹5L quarterly spend
- Renewal fee waiver on ₹10L annual spend
Rewards
5% CashBack at Amazon, Flipkart, Myntra, Swiggy, Zomato, BigBasket, BookMyShow, Cult.fit, Tata 1mg, Ola. 1% CashBack on all other spends. Max 2,000 CashPoints at 5x rate per billing cycle.
Redemption
1 CashPoint = ₹1 against statement
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 5%(5% CashBack Online) | No cap |
dining | 5%(5% CashBack) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Amazon | 5% CashBack(2,000 CashPoints/cycle) | online |
| Flipkart | 5% CashBack(2,000 CashPoints/cycle) | online |
| Swiggy | 5% CashBack(2,000 CashPoints/cycle) | online |
Benefits & Features
Domestic: 8 complimentary visits per year via DreamFolks (Min ₹3L quarterly retail spend required for activation) International: 4 per year via Priority Pass (Available from year 2 onwards or on ₹10L+ annual spend) Complimentary lounge access on ₹3L+ quarterly spend via DreamFolks (domestic) and Priority Pass (international). Without spend criteria, ₹2,000 surcharge per visit applies.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
65 years
Min Income (Salaried)
₹75,000
Min Income (Self-Employed)
₹15,00,000
Available Networks
Pros & Cons
Pros
- High 5% cashback at Amazon, Flipkart, Myntra, Swiggy, Zomato, BigBasket, BookMyShow, Cult.fit, Tata 1mg, Ola
- Complimentary access to over 1,000 airport lounges worldwide
- Renewal fee waiver on ₹10L spend
Cons
- Low 1% cashback on non-partner merchants
- Accelerated CashPoints capped at 2,000 per cycle
Additional Info
Important: CashPoints expire after 2 years from earning date
Card variant available in both Visa and Mastercard; Visa has better international acceptance
Hidden benefit: Free additional cards for family members with shared credit limit
Max 2,000 CashPoints at 5x rate + 2,000 at 1x rate per cycle
Excluded Categories