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HDFC Infinia Metal Edition

HDFC Bank

HDFC Infinia Metal Edition

visainfinitecredittravelshopping

Annual Fee

₹10,000

Base Reward

1% cashback

Foreign Markup

3.5% + GST

0

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

Category Rewards

shopping

5% CashBack Online

5%

dining

5% CashBack

5%

Fee Waiver

Waived on ₹10L annual spend

Merchant-Specific Rewards

Amazon

Amazon

5% CashBack(2,000 CashPoints/cycle)

5%
Flipkart

Flipkart

5% CashBack(2,000 CashPoints/cycle)

5%
Swiggy

Swiggy

5% CashBack(2,000 CashPoints/cycle)

5%

Rewards Details

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

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.

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

fuelrentgovteducationemiwallet

Partner Merchants

AmazonFlipkartMyntraSwiggyZomato

Fees & Charges

Annual Fee₹10,000
Joining Fee₹10,000 + GST
Fee WaiverWaived on ₹10L annual spend
Foreign Markup3.5% + GST
Interest Rate3.5% per month (42% annually)
Cash Advance2.5% of amount, min ₹500
Redemption Fee₹99 + GST per redemption request

Eligibility

Min Age

21 yrs

Salaried

₹0.8L+

Self-Emp

₹15.0L+

Networks

visamastercard
HDFC Infinia Metal Edition — Benefits, Rewards & Fees | Ri8Lane | Ri8Lane