Issued by HDFC Bank
· Terms last verified 14 Oct 2026
Fees
Joining fee
Joining fee of INR 12,500 plus applicable taxes for Infinia Metal cards sourced after 18 October 2021.
Welcome benefit of 12,500 Reward Points upon fee realisation and card activation.
Renewal fee
Renewal fee of INR 12,500 plus applicable taxes, waived if spend in the year before renewal is INR 10 lakh or more.
Waived when yearly spend is at least ₹10,00,000.
Renewal benefit of 12,500 Reward Points upon fee realization and card activation.
Travel
Spend
Rate
Cap
SmartBuy — Flights
5X Reward Points
No stated cap
SmartBuy — Hotels
10X Reward Points
No stated cap
SmartBuy — Trains
3X Reward Points
No stated cap
SmartBuy — Bus
5X Reward Points
No stated cap
Adani One Duty Free via SmartBuy — Card
10X Reward Points
No stated cap
Shopping
Spend
Rate
Cap
Grocery
5 Reward Points per ₹150
No stated cap
SmartBuy — Voucher/Gift Card
5X Reward Points
No stated cap
Bills & Utilities
Spend
Rate
Cap
Utilities
5 Reward Points per ₹150
No stated cap
Telecom
5 Reward Points per ₹150
No stated cap
All other spends
Spend
Rate
Cap
All other spends
5 Reward Points per ₹150
No stated cap
Earns no rewards on
Fuel, Wallet load, Rent, Government/Tax Spend
Surcharge waivers
Fuel surcharge waiver — 1% fuel surcharge waiver at all fuel stations across India on transactions between INR 400 and INR 1,00,000. No Reward Points are earned on fuel transactions.
Waived when transaction amount is at least ₹400, transaction amount is up to ₹1,00,000.
Redeeming rewards
SmartBuy — Flight and hotel bookings — ₹1 each
SmartBuy — Products and vouchers — ₹1 each
Products and vouchers — ₹0.50 each
Statement credit — ₹0.30 each
SmartBuy — Airline and hotel transfers — ₹1 each
Airline and hotel transfers — ₹0.90 each
Reward Points — ₹1 each
Benefits
Golf
Unlimited complimentary golf lessons and games, with 100% green fee waiver at select golf courses worldwide.
Dining
1+1 complimentary buffet at participating ITC hotels and dining discounts through Club Marriott membership.
Concierge
24 x 7 Global Personal Concierge for bookings and assistance.
Fuel Waiver
1% fuel surcharge waiver at fuel stations across India on transactions between INR 400 and INR 1,00,000.
Forex Markup
Foreign currency markup fee of 2% on all foreign currency transactions.
Points Expiry
Reward Points are valid for 3 years from the date of accumulation and are nullified if the card is not used for more than 365 days.
Airport Lounge
Unlimited complimentary domestic airport lounge access in India and unlimited international airport lounge access outside India for primary and add-on cardholders via Priority Pass.
Welcome Benefit
Welcome benefit of 12,500 Reward Points upon fee realisation and card activation.
Travel Insurance
Accidental air death cover worth INR 3 crore, emergency overseas hospitalization up to INR 50 lakhs, and credit shield cover up to INR 9 lakhs.
Milestone Benefits
Renewal fee waiver on spending INR 10 lakh or more in the preceding 12 months, and renewal benefit of 12,500 Reward Points upon fee realization and card activation.
Club Marriott Membership
Complimentary Club Marriott membership for the first year, with dining and stay discounts across Asia-Pacific.
Priority Pass Membership
International airport lounge access is provided via Priority Pass for primary and add-on cardholders.
Zero Lost Card Liability
Zero lost card liability on reporting card loss immediately to the 24-hour call centre.
Sources
Everything above is extracted from the following issuer documents. Where a figure here and
the issuer's page disagree, the issuer's page is authoritative.