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HDFC Infinia Metal
HDFC • MasterCard

HDFC Infinia Metal

3.3% Base Rate, Up to 33% Accelerated

Annual Fee₹12500Waived on ₹10L spend
Base Reward3.3%On all spends
Lounge Access3324 domestic • 9 intl
Est. Annual Savings₹409Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹11,880

Assumes base reward rate only.

Annual fee₹12,500

Waived on ₹10L spend

Net value₹620

Estimated cost after fees.

Fee waiver target: ₹10,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Travel
16.5%
Shopping
16.5%
Basedefault
3.3%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • HDFC Infinia Metal is best positioned as a travel + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 16.5% on travel-aligned lanes, while broad base return remains closer to 3.3%.
  • Current mapped lounge footprint is 33, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 12,500 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹12,500
  • Annual fee₹12,500
  • Waiver threshold₹10,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-13

Redemption Truth

  • Cash value/point₹0.3
  • Travel value/point₹1
  • Transfer partners1
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-13

Lounge Truth

  • NetworkMasterCard
  • Domestic count24
  • International count9
  • Quarterly limitNot listed
  • Airport-terminal rows33
  • Policy check2026-02-13

Reliability + Outcomes

  • Verification statusverified
  • Freshness days0
  • Source conflicts0
  • Applied reports6
  • Approval reports3

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

HDFC Diners Club Black

Annual fee: ₹9999

Shared focus: Premium, Travel+26 more lounge visits in current datasetEstimated +₹3,086/yr value
View Details
Step 2

Marriott Bonvoy HDFC Bank Credit Card

Annual fee: ₹3000

Shared focus: Travel, Lifestyle+9 more lounge visits in current datasetEstimated +₹2,550/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Infinia Metal using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Check if any recent spend-gate updates apply to individual lounge programs before travel.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Validate current spend-linked unlock criteria, visit caps, and guest policy in latest HDFC terms before travel.

Priority Pass

Priority Pass-linked international access is typically included in premium Infinia travel stack.

Lounge Locations

33 airport lounge rows
View lounge map and location list33 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The Lounge (LBF)Domestic

AHM • Ahmedabad Airport • Terminal 1

Amritsar

1 lounges • 1 domestic • 0 international

1
PrimusDomestic

AMR • Amritsar Airport • Terminal 1

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 2

080 International LoungeInternational

BEN • Bengaluru Airport • Terminal 2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Terminal 1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Terminal 1

Calicut

1 lounges • 0 domestic • 1 international

1
BirdInternational

CAL • Calicut Airport • Terminal 1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Terminal 1

Primus LoungeInternational

CHA • Chandigarh Airport • Terminal 1

Chennai

4 lounges • 3 domestic • 1 international

4
Travel Club LoungeInternational

CHE • Chennai Airport • Terminal 2

Travel Club Lounge - T4Domestic

CHE • Chennai Airport • Terminal 4

Travel Club Lounge ADomestic

CHE • Chennai Airport • Terminal 1

Travel Club Lounge BDomestic

CHE • Chennai Airport • Terminal 1

Coimbatore

1 lounges • 1 domestic • 0 international

1
BlackBerryDomestic

COI • Coimbatore Airport • Terminal 1

Dehradun

1 lounges • 1 domestic • 0 international

1
BirdDomestic

DEH • Dehradun Airport • Terminal 1

Guwahati

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

GUW • Guwahati Airport • Terminal 1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Terminal 1

Encalm LoungeInternational

HYD • Hyderabad Airport • Terminal 1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Terminal 1

Jaipur

1 lounges • 1 domestic • 0 international

1
PrimusDomestic

JAI • Jaipur Airport • Terminal 1

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Terminal 1

Earth LoungeInternational

KOC • Kochi Airport • Terminal 3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club LoungeDomestic

KOL • Kolkata Airport • Terminal 1

Travel Club LoungeInternational

KOL • Kolkata Airport • Terminal 2

Lucknow

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

LUC • Lucknow Airport • Terminal 2

Mumbai

4 lounges • 3 domestic • 1 international

4
Loyalty Lounge (Clipper)International

MUM • Mumbai Airport • Terminal 2

OASISDomestic

MUM • Mumbai Airport • Terminal T1B TERMINAL 1B

Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal T1C TERMINAL 1C

Travel Club Lounge (MALS)Domestic

MUM • Mumbai Airport • Terminal T2 TERMINAL 2

Pune

1 lounges • 1 domestic • 0 international

1
Earth LoungeDomestic

PUN • Pune Airport • Terminal 1

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

THI • Thiruvananthapuram Airport • Terminal 1

Vadodara

1 lounges • 1 domestic • 0 international

1
PremiumDomestic

VAD • Vadodara Airport • Main Terminal

Varanasi

1 lounges • 1 domestic • 0 international

1
Take Off BarDomestic

VAR • Varanasi Airport • Main Terminal

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹10,000@ ₹0.50 / point

Typical voucher/cash-like path

Voucher / statement-style value
Switch to Pro to compare potential upside of higher-value redemption paths.

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Premium lounge proposition across domestic and international airports
  • Accelerated reward rates on select travel and partner merchant spends
  • Premium memberships and concierge-style lifestyle benefits
  • Transfer and redemption flexibility for travel-focused users

Things to Consider

  • Invite-only with high income and relationship eligibility norms
  • High fee card where value depends on active benefit utilization
  • Program terms and transfer ratios can change

About HDFC Infinia Metal

HDFC Infinia Metal is a points card from HDFC, best for high net worth individuals. It is tagged under premium, travel, lifestyle categories in our database.

PremiumTravelLifestyle

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Frequently asked questions

Is HDFC Infinia Metal lifetime free?

It has an annual fee of ₹12500. Waived on ₹10L spend

What rewards does HDFC Infinia Metal offer?

3.3% Base Rate, Up to 33% Accelerated

Does HDFC Infinia Metal include lounge access?

HDFC Infinia Metal lists 33 lounge visits (24 domestic, 9 international).

Who should consider HDFC Infinia Metal?

High Net Worth Individuals

Where can I apply for HDFC Infinia Metal?

Check the issuer website for application availability.