HDFC Infinia Metal Edition Credit Card
HDFC Infinia Metal Edition: judge the super premium benefits against your spending and renewal cost.
By Ash · Issuer source linked 2 October 2026
Check the issuer’s current card terms, availability and eligibility criteria.
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5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator. Travel redemption value assumes ₹1/point on the eligible bank portal, covering at most 70% of flight/hotel booking value; the remainder is paid with the card. Flight/hotel redemption is limited to 150,000 points/calendar month. Catalogue and cashback request processing fees are waived for this variant under September 2026 MITC. Points normally expire after three years; 365 days without card use can forfeit the balance.
For ₹10,000 of eligible dining spending in one modelled cycle, the estimate is ₹333 (3.33% after the modelled cap). Overall earning ceiling ₹2,00,000 equivalent per statement cycle; redemption ceilings are separate. This example excludes merchant offers, redemption fees, annual milestones and transaction-level rounding. Cap terms: Travel/cashback redemption limits are separate from the 200,000-point statement-cycle earning ceiling.
Cardholders who use the benefits listed below and can meet the applicable channel, merchant and spend requirements. Fee-waiver terms: ₹10L preceding-year eligible spend; Metal Edition fee schedule, not legacy plastic Infinia.
The annual fee outweighs the benefits you can actually use, or your main spending falls outside the eligible merchants or categories.
Eligible retail spending only, using ₹1/point travel redemption value, not statement cashback. Assumes individual transactions qualify for ₹150 earning blocks. Utility caps use a calendar month; the overall cap uses a statement cycle. The aggregate scenario assumes spending lies within both periods; it cannot track overlapping statements. Transaction remainders, redemption charges and booking co-payment requirements are not simulated.
5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator.
Travel redemption value assumes ₹1/point on the eligible bank portal, covering at most 70% of flight/hotel booking value; the remainder is paid with the card. Flight/hotel redemption is limited to 150,000 points/calendar month. Catalogue and cashback request processing fees are waived for this variant under September 2026 MITC. Points normally expire after three years; 365 days without card use can forfeit the balance.
PROS
- Strong travel redemption value on eligible flights and hotels
- Unlimited eligible lounge access for primary and add-on cardholders
- ₹12,500 renewal-fee waiver available at ₹10L spend
CONS
- Invitation-only
- ₹12,500 + GST fee if renewal condition is not met
- Statement cashback is worth ₹0.30/RP, not ₹1/RP
- Fuel, rent/property-management and government transactions do not earn Reward Points
- Insurance reward points have a separate monthly cap
- Published earn rules: 5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator.
- Redemption choice: 5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator. Travel redemption value assumes ₹1/point on the eligible bank portal, covering at most 70% of flight/hotel booking value; the remainder is paid with the card. Flight/hotel redemption is limited to 150,000 points/calendar month. Catalogue and cashback request processing fees are waived for this variant under September 2026 MITC. Points normally expire after three years; 365 days without card use can forfeit the balance.
- Renewal decision: Listed annual fee: ₹12,500 before applicable tax. Joining fee: ₹12,500 before tax. ₹10L preceding-year eligible spend; Metal Edition fee schedule, not legacy plastic Infinia. Compare this cost with rewards you can redeem; a fee waiver is not itself a reward.
Invitation-only. ₹12,500 + GST fee if renewal condition is not met. Statement cashback is worth ₹0.30/RP, not ₹1/RP. Fuel, rent/property-management and government transactions do not earn Reward Points. Insurance reward points have a separate monthly cap
How does HDFC Infinia Metal Edition earn rewards?
5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator.
Are points and cashback the same?
5 Reward Points/₹150 eligible retail spend, including insurance, utilities and education; fuel, rent/property-management and government transactions, e-wallet loading and EasyEMI are excluded, and EMI conversion reverses points. 1 RP = ₹1 on eligible flights/hotels (3.33% base equivalent) or ₹0.30 statement cashback (1% base equivalent). Travel/airmiles redemptions cap at 1.5L points/calendar month; statement cashback at 50,000 points/calendar month; total redemption at 2L points/statement cycle. Flight/hotel, Apple and Tanishq redemption requires card co-payment under the issuer terms. Eligible purchases earn in ₹150 blocks. Grocery earning is capped at 2,000 points/month; utilities at 2,000 points/calendar month. The overall statement-cycle earning ceiling is 2,00,000 points. These are earning caps, not redemption limits. September 2026 HDFC MITC separately caps insurance-earned points at 10,000 per month; insurance rewards are not included in this calculator. Travel redemption value assumes ₹1/point on the eligible bank portal, covering at most 70% of flight/hotel booking value; the remainder is paid with the card. Flight/hotel redemption is limited to 150,000 points/calendar month. Catalogue and cashback request processing fees are waived for this variant under September 2026 MITC. Points normally expire after three years; 365 days without card use can forfeit the balance.
What should I compare before renewing?
The published fee, applicable tax, waiver conditions and the benefits you use. ₹10L preceding-year eligible spend; Metal Edition fee schedule, not legacy plastic Infinia. Exclude unused vouchers and promotional offers from your baseline.
September 2026 consumer-card MITC: utilities above ₹50,000 in a calendar month attract a 1% fee on the full eligible monthly total (maximum ₹4,999 before GST), not just the excess. Fuel purchases above ₹15,000 attract 1% on the full transaction, capped at ₹4,999 before GST. INR payments at overseas/internationally registered merchants attract 1.75% DCC markup. These charges and applicable GST are not deducted from gross reward estimates; a fuel-surcharge waiver does not waive the separate high-value fuel charge. Issuer transaction charges