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HDFC Infinia

Invite-only super-premium travel rewards card.

HDFC Bank Infinia Credit Card

SmartBuy

SmartBuy accelerators; bonus cap 15K RP/month, live rates apply

SmartBuy cap

Up to 15,000 bonus RP per month

Lounge

Unlimited domestic + international access

Transfers

Accor 2:1; other ratios require the card-specific portal

Fee

Rs 12,500 + GST, waived at Rs 10L spends

Premium base rewards

Earn 5 RP per Rs 150 on eligible retail spends, worth around 3.3% when redeemed for SmartBuy flights or hotels.

SmartBuy accelerators

SmartBuy offers accelerated rewards on eligible flights, hotels, vouchers and partner purchases. Confirm the current multiplier, eligibility and bonus cap in the card-specific checkout. Bonus cap: 15,000 RP/month

Unlimited lounges

Unlimited domestic and international lounge access for primary and add-on cardholders.

Transfer partners

Eligible airline and hotel transfers are available through SmartBuy. Accor confirms 2 HDFC RP = 1 ALL Reward point. Confirm other partner ratios, minimums and availability in the card-specific transfer screen before moving points.

Invite-only metal

A selective HDFC super-premium card built for high spenders with strong bank relationships.

HDFC Infinia: fees & key facts

HDFC Infinia credit card fees and key facts
Joining feeRs 12,500 + GST
Annual feeRs 12,500 + GST; waived on Rs 10 lakh spend in the preceding 12 months
Welcome benefitComplimentary Club Marriott membership for the first year and 12,500 Reward Points if the joining fee is charged
Renewal benefit12,500 Reward Points on payment of annual fee
EligibilityInvite-only; issuance and upgrades depend on HDFC underwriting. Unpublished limit/spend heuristics are not guaranteed eligibility criteria
Base rewards5 Reward Points per Rs 150 on eligible retail spends; no fractional points are awarded
Insurance rewards5 RP/₹150 on eligible insurance, capped at 10,000 RP per calendar month
Grocery rewards5 Reward Points per Rs 150, capped at 2,000 Reward Points per calendar month
SmartBuy rewardsSmartBuy offers accelerated rewards on eligible flights, hotels, vouchers and partner purchases. Confirm the current multiplier, eligibility and bonus cap in the card-specific checkout. Bonus cap: 15,000 RP/month
Lounge accessUnlimited domestic and international airport lounge access for primary and add-on cardholders through Visa/Mastercard and Priority Pass networks
Redemption value1 RP = Rs 1 for SmartBuy flights/hotels, Tanishq vouchers and Apple products; cashback is 30 paise per RP
Transfer partnersEligible airline and hotel transfers are available through SmartBuy. Accor confirms 2 HDFC RP = 1 ALL Reward point. Confirm other partner ratios, minimums and availability in the card-specific transfer screen before moving points.
Forex markup2% + GST; Global Value Program can add 1% cashback on international spends, capped at Rs 1,000 per statement cycle
ExclusionsNo rewards on wallet, fuel, rent and government transactions
Statement capTotal rewards capped at 2,00,000 RP per statement cycle; grocery, utilities and telecom each have 2,000-RP monthly caps
Premium redemption limitsApple redemption limited to one item per calendar quarter; Tanishq limited to 50,000 RP per quarter. Published payment-share and redemption limits also apply

Public issuer terms checked 3 October 2026.

SmartBuy’s transfer screen requires cardholder verification. Accor 2:1 is confirmed by Accor’s official HDFC terms; other current card-specific ratios require the live account screen.

HDFC Infinia MetalHDFC MITC, version 4.12, updated 30 September 2026Accor official HDFC transfer terms

Who should get it

HDFC Infinia is still one of India's strongest premium rewards cards, but it is not a normal apply-and-get product. It is invite-only, with approvals depending on high income, high existing limits, heavy spends and relationship value.

The card's base earn rate is already strong: 5 Reward Points per Rs 150, worth about 3.3% when redeemed at Rs 1 per point for flights or hotels through SmartBuy. The real upside comes from SmartBuy accelerators, where flights, hotels, vouchers and partner brands can multiply the return.

It is best for high spenders and frequent travelers who can use SmartBuy, reward transfers and unlimited lounge access. It is not ideal for cashback-first users, because cashback redemption is much lower at 30 paise per Reward Point.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

  • Fuel, wallet loads, rent and government payments
  • EasyEMI purchases and transactions converted to SmartEMI
  • Education paid through third-party apps
  • Online skill-based gaming

Insurance remains eligible, capped at 10,000 points per month. Grocery, utility and telecom rewards have separate caps; direct education payments are treated differently from third-party-app payments.

Checked 3 October 2026HDFC Bank September 2026 terms

HDFC Infinia FAQs

Is HDFC Infinia invite-only?

Yes. HDFC Infinia Metal Credit Card membership is invite-only. Approvals and upgrades depend on high spends, a high credit limit, credit history and HDFC relationship value.

What is the HDFC Infinia annual fee?

The joining and annual fee is Rs 12,500 plus GST. The annual fee is waived on Rs 10 lakh spend in the preceding 12 months, and 12,500 Reward Points are credited on fee payment.

What reward rate does HDFC Infinia offer?

It earns 5 Reward Points per Rs 150 on eligible retail spends. When redeemed at Rs 1 per point for SmartBuy flights or hotels, that works out to around 3.3% base value.

How good is HDFC Infinia SmartBuy?

SmartBuy is the main upside, with examples such as 5X on flights and instant vouchers and 10X on hotels and selected partners. Total bonus Reward Points are capped at 15,000 per calendar month.

Does HDFC Infinia include unlimited lounge access?

Yes. Primary and add-on cardholders receive unlimited domestic and international airport lounge access, without a separate quarterly spend condition as of 2026.

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View eligibility for HDFC InfiniaHDFC

Infinia is invitation-only