Route spending through SmartBuy.
Earn 33.3× here — 33.3% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Super-premium · Travel & Lifestyle
HDFC BANK · HDFC INFINIA (METAL)
HDFC Infinia (Metal)
ANNUAL FEE
₹12,500 waived at ₹8L spend
FIRST-YEAR NET VALUE
₹1,43,591 for a mid spender · travel
HDFC BANK HDFC Infinia (Metal)
•••• •••• •••• 4256
VALID THRU 12 / 28
VISAUpdated 2026-04 3 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE Check with bank Good band
AGE Adult Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹1,43,591 first-year net value · mid spender · travel
Category rewards ₹1,09,091
Milestone bonus· 10,000 bonus reward points on ₹8L annual spend; Monthly voucher worth ₹1,000 on ₹1L monthly spend + ₹22,000
Welcome benefit· Welcome reward points ₹12,500
Annual fee − ₹12,500
Fee waiver (met)· Annual fee waived for next year ₹12,500
Net first-year value ₹1,43,591
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 3.33% back on eligible spends 5 pts 5 points per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 33.3% back
SmartBuy · 33.3%
SmartBuy · 16.6%
2X rewards on dining; 1,000 bonus points/day daily cap modeled as ~₹30k monthly · 6.7%
2X rewards on Air Vistara (now Air India post-merger) spends · 6.7%
Everything else (base) · 3.3%
MILESTONES Cumulative bonuses at annual spend tiers
₹8L 10,000 bonus reward points on ₹8L annual spend
₹12L Monthly voucher worth ₹1,000 on ₹1L monthly spend
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Line up your ₹8L before renewal.
Crossing ₹8L in the anniversary year waives the ₹12,500 fee — automatic for spenders at ₹66,667+/month. Watch your pace in months 10–12.
Don't sleep on SmartBuy.
The second tier earns 16.6× (16.6% back). Often overlooked next to the headline category but compounds if you route consistently.
Redeem through the best path, not the default.
Point value varies across redemption options. Best path: ₹1.00/point. Same earnings, more value.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹12,500 · + 18% GST · one-time
Annual fee (year 2+) ₹12,500 · waived at ₹8L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 2.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
unlimited domestic + unlimited international visits per year via Priority Pass. Primary cardholder.
Welcome voucher
₹12,500 Welcome reward points.
Golf privileges
Unlimited complimentary rounds per year. Unlimited complimentary golf coaching at select courses
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
Joining and annual fee are both ₹12,500 plus GST (₹14,750 all-in). The annual fee is waived if you spend ₹10 lakh on the card in the preceding 12 months. On fee payment and activation you also get 12,500 welcome reward points — worth ₹12,500 at 1 RP = ₹1 when redeemed on SmartBuy travel — which effectively offsets the year-1 cost.
HOW WE KEEP THIS CURRENT
Last verified 2026-04. Sources: Issuer website, CardExpert, PaisaBazaar. Next scheduled review: 6 months from last update.