HDFC Bank
HDFC Infinia Credit Card (Metal Edition)
Annual Fee
₹11,800₹10,000 + GSTBase Reward
1% cashback
Foreign Markup
3.5% + GST
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
smartbuy
SmartBuy 10X multiplier
Reward Calculator
Earns ₹4,000/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4K
HDFC Reward Points
₹4K
via smartbuy flights
Effective rate
2.56%
Annual fee
FREE
Year 1 net
+₹4,000
Year 2+ net
+₹4,000
ongoing
Adjust your spend by reward bucket
2 bucketsRedemption channels
highest value = bestSmartbuy flights
₹1/pt
Catalogue
₹0.5/pt
Milestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Renewal fee waiver (partial — ₹1K/cycle cap)
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
2%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, wallet, rent, government, education
Fuel surcharge waiver (good news)
1%capped at ₹1,000/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.8L+
Self-Emp
₹15.0L+
Networks
Fee Waiver
Waived on ₹10L annual spend