Key Features & Benefits
- ✦5 Reward Points per ₹150 on all eligible spends (3.33% base rate)
- ✦Up to 10X Reward Points on SmartBuy (33.33% effective rate)
- ✦Unlimited complimentary domestic airport lounge access
- ✦Unlimited international lounge access via Priority Pass (1,000+ lounges)
- ✦Unlimited golf games and lessons at premium courses globally
- ✦2% forex markup — among lowest for premium cards
- ✦Complimentary Club Marriott membership — 25% off dining/stay at Marriott Asia Pacific
- ✦3-night stay at ITC Hotels, pay for 2 — complimentary 1 night
- ✦Reward Points: 1 RP = ₹1 for travel/Apple products/Tanishq on SmartBuy
- ✦15,000 bonus RPs on ₹8L annual spend milestone
- ✦Annual fee waiver on ₹10L+ annual spend
- ✦24×7 concierge services — travel, dining, lifestyle
- ✦Air accident insurance: ₹3 crore cover
- ✦Comprehensive travel + purchase protection insurance
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Welcome & Joining Benefits
- ✦12,500 bonus Reward Points on joining fee payment + card activation
- ✦Complimentary Club Marriott Asia Pacific membership (1st year)
- ✦Times Prime, Amazon Prime, MMT BLACK Elite & Swiggy One memberships on ₹1.5L spend in 90 days
Milestone Benefits
- ✦₹1.5L in 90 days → Club Marriott + Amazon Prime + Times Prime + Swiggy One memberships
- ✦₹8L annual spend → 15,000 bonus Reward Points
- ✦₹10L annual spend → Annual fee waived for next year
Pros & Cons
✓ Advantages
- ✓Best-in-class reward rate — 3.33% base, 33% via SmartBuy
- ✓Truly unlimited lounge access — no quarterly cap at all
- ✓Unlimited golf at 150+ courses globally
- ✓1 RP = ₹1 for travel & Apple products — highest redemption value in India
- ✓Club Marriott gives 25% off dining at all Marriott properties
- ✓2% forex is excellent for an Indian premium card
✗ Disadvantages
- ✗Invite-only — cannot apply directly
- ✗₹12,500 annual fee is steep
- ✗Annual fee waiver requires ₹10L spend
- ✗SmartBuy portal required to maximise rewards
Frequently Asked Questions
How do I get the Infinia Metal card?▼
Infinia Metal is invite-only. HDFC Bank typically offers it to existing customers with high credit limits (₹5L+), substantial assets with HDFC, or those with ITR above ₹30L. You can request it through your HDFC relationship manager.
What is the value of 1 Infinia Reward Point?▼
On SmartBuy, 1 RP = ₹1 for airline miles, Apple products, and Tanishq vouchers. For regular statement redemption, 1 RP = ₹0.50. The SmartBuy redemption nearly doubles the value.
Is the Club Marriott membership complimentary every year?▼
The Club Marriott membership is complimentary in the first year with the card's joining fee. In subsequent years, you receive 12,500 renewal RPs (worth ₹12,500 at SmartBuy) on fee payment, which effectively offsets the annual fee.
Can I transfer Infinia reward points to airline miles?▼
Yes — Infinia RPs transfer 1:1 to airline miles via SmartBuy (InterMiles, Singapore Airlines KrisFlyer, British Airways Avios, and others). This is one of the best mile transfer ratios in India.
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