HDFC Infinia Metal Credit Card Review: Benefits, Fees & Rewards

The Wise Travel card lets you hold 40+ currencies and spend at the interbank exchange rate with no forex markups or hidden fees - now available to order for free (Limited time offer, while stocks last).

Order your free Wise Travel card 💳

---

If you’re booking for a premium credit card for lifestyle and travel perks you might have heard of the Infinia Metal Credit Card¹. This exclusive card offers high end benefits well suited to anyone who likes to travel in style, eat out and relax with a round of golf.

This HDFC Infinia credit card review walks through the card’s eligibility assessment, benefits, costs and usage. We'll also introduce you to the Wise Travel card, which allows you to hold 40+ currencies in on card and spend without any forex markups or hidden fees.

What is the HDFC Infinia Credit Card¹?

The Infinia Metal Credit Card is a premium, super-luxury credit card from HDFC Bank aimed at high-net-worth individuals who spend significantly and value exclusive travel, lifestyle, and rewards benefits. It is designed for customers who prioritize luxury perks such as hotel privileges, travel upgrades, golf access, and concierge services.

Eligibility for the Infinia card is highly selective and is generally offered on an invite-only basis, based on the bank’s internal evaluation of spending behavior, income profile, and existing banking relationship.

Wondering about the difference between Infinia vs Infinia Metal? The current version is commonly referred to as the HDFC Infinia Metal Credit Card. It comes with updated fees for cards issued after October 18, 2021, with a joining and renewal fee of ₹12,500 plus taxes, and a waiver available on annual spends of ₹10 lakh or more. Older Infinia cards issued before this date have a lower fee of ₹10,000 plus taxes, with a waiver at ₹8 lakh annual spend.

Is the HDFC Infinia Credit Card safe¹?

Yes. The HDFC Infinia Credit Card is considered safe to use with normal precautions. HDFC offers the MyCards~~²~~ service which lets you view and manage your card remotely using an app, including blocking the card if you’re ever concerned about security.

Through MyCards, users can also activate their card, manage controls such as online spending and contactless transactions, view transactions and download e-statements. They can even manage add-on cards including PIN setup and card controls. These features provide strong real-time control over the card, helping improve security and convenience. However, users should still follow basic safety practices such as protecting OTPs, avoiding phishing attempts, and regularly monitoring transactions.

HDFC Infinia Metal Credit Card: Features and benefits

The key HDFC Infinia Credit Card benefits you can access upon receipt of your card, include¹:

• 5 Reward Points on every 150 INR spent, and up to 10x Reward Points on Smartbuy spend
• Complimentary Club Marriott membership in year one as a welcome benefit
• Unlimited airport lounge access
• Golf lessons and games, dining discounts and hotel offers
• Some complimentary insurance including medical coverage for emergencies abroad
• 24/7 concierge access to help with bookings and planning
• Welcome benefit of 12,500 reward points

The HDFC Infinia Metal Credit Card isn’t the right choice for everyone. It’s only available to select customers, and can mean paying fees when you spend internationally. People who travel frequently may benefit instead from the Wise travel card for low-cost foreign currency spending. Here’s a quick side by side comparison of the HDFC Infinia Metal Credit Card vs the Wise card:

*Details correct at time of research - 21st May 2026

HDFC Infinia Metal Credit Card: Charges and fees

Here’s a summary of the key HDFC Infinia credit card charges to know about. Before you start to spend, it’s worth taking the time to read the card’s Most Important Terms and Conditions (MITC) document⁵, available online, to get the full lowdown on all fees which may apply.

*Details correct at time of research - 21st May 2026

HDFC Infinia Metal Credit Card exchange rate⁵

When you use your HDFC Infinia Metal Credit Card in a foreign currency, your spending is converted back to INR using the card network exchange rate plus a forex fee of 2%.

If you spend with a foreign merchant and pay in INR, the card fee is 1.75% - the merchant may also apply additional fees with this type of transaction, which is known as a dynamic currency conversion payment.

HDFC Infinia reward points and SmartBuy benefits¹

When you spend with your Infinia card, you can earn 5 Reward Points on every 150 INR spent, and up to 10x Reward Points on Smartbuy spend. Redemption rates using your points are as follows:

*Details correct at time of research - 21st May 2026

There are a few other important caps and limits to know about:

• You can only redeem a maximum of 200,000 points per statement cycle
• Monthly redemption limits are 150,000 points per month for flights, hotels and airmiles
• Points can be used for a maximum of 70% of the total bill value on purchase of Apple products and Tanishq vouchers.
• You can only redeem 50,000 reward points monthly against your statement balance

How to apply and use the HDFC Infinia card

The HDFC Infinia card is a premium card, offered by invitation only¹. If you qualify you can use your card to spend and make cash withdrawals all over the world, while accessing travel and lifestyle benefits and perks.

Once you’ve applied for your card you’ll be issued with your personalized HDFC Infinia credit card limit, and can start using your card to spend at home and abroad.

HDFC Infinia eligibility

The HDFC Infinia card is offered by the bank to select customers by invitation only. If you’re interested in getting this card you’ll need to reach out to your local HDFC branch or call the service number on 18001600/18002600 ​​​​​​​to ask if the Infinia card might be a suitable choice for you.

HDFC Infinia application process

HDFC does not publish details of the Infinia card application process, as this is managed by invitation only. If you think you may be eligible for this card, you’ll need to get in touch with HDFC to ask how you can be assessed and invited to apply.

Using the HDFC Infinia card abroad⁵

You can use your HDFC Infinia card abroad to spend and withdraw as easily as you would in India. However, bear in mind that a fee of 2% applies on all foreign currency spending.

Your purchase value will be converted to INR using the network exchange rate, and a 2% forex markup fee is added. The total amount is then billed to your card, which can increase your overall travel costs.

In addition, from 17 May 2026, HDFC Bank also applies a 1.75% Dynamic Currency Conversion (DCC) markup fee on transactions charged in INR at international locations or with merchants registered overseas. This means that if a foreign merchant offers to bill you directly in INR instead of the local currency, you could incur this additional fee. To help avoid unnecessary charges, it is usually better to pay in the local currency when traveling abroad.

Summary: Is the HDFC Infinia card good for travelling?

The HDFC Infinia card offers great travel perks for eligible customers but there’s a fee of 2% whenever you spend overseas. This can mean you’re paying more than you expect when you use your HDFC Infinia card for travel.

Compare the Infinia card with the Wise travel card to see which suits you better - Wise offers mid-market exchange rates with no forex markups, and ways to hold 40+ currencies ready for your next trip.

Meet the Wise Travel card: 40+ currencies in one card, with no forex markups or hidden fees

With no hidden markups, the Wise Travel card is a smart way to spend abroad. You'll always get the real interbank exchange rate for conversions across 40+ currencies. Wise's transparent, low pricing, plus no foreign transaction fees or forex markups, usually means you are getting the best value for your money.

The fully digital account opening and vKYC process allows you to sign up from the comfort of your home, and there are no annual or monthly fees either. Simply order your card, show proof of your travels, load your funds, and you're all set. Plus - card orders are currently free to Indian addresses (limited time launch offer, while stocks last)! A physical Wise card enables you to make secure chip and PIN payments and get some free ATM withdrawals while you're overseas. You can also instantly freeze or unfreeze your card in the app anytime for peace of mind.

Wherever your travels take you, the Wise Travel card is the only forex card you'll need to make spending internationally simpler and cheaper.

🚀 Get a free Wise Travel card

---

FAQ

Who is eligible for the HDFC Infinia credit card?

The HDFC Infinia credit card is available by invitation only - to understand if you’re eligible you can contact your local HDFC branch or call the bank’s service number on 18001600/18002600.

Can an NRI get a HDFC Infinia credit card?

HDFC assesses suitability for the Infinia card based on individual customer profiles. If you’re eligible for this card as an NRI you’ll be invited to apply.

Is HDFC Infinia the best credit card?

The HDFC Infinia credit card is a premium card with high level lifestyle and travel perks, but it’s not right for every customer. Consider a few different cards, including alternatives like the Wise travel card before you sign up.

Is HDFC Infinia invite only?

Yes. The HDFC Infinia credit card is available by invitation only, to select HDFC customers.

---

Sources:

1. HDFC- Infinia Metal Credit Card
2. HDFC- Infinia Credit Card Fees & Charges
3. Wise- Multicurrency Card
4. Wise- About Wise Travel Card in India
5. HDFC- Terms and Conditions
6. HDFC- Infinia Metal Credit Card Eligibility