HDFC
Infinia Metal Edition Credit Card
Good fit for frequent Amazon users — ₹12,500 annual fee.
Top reasons to choose this card
- Unlimited domestic lounge access
- ₹10L fee waiver
- Low 2% forex markup
What you'd do with it
- Good fit when Amazon is a regular spend category for you.
- Carry it for frequent domestic airport travel where unlimited lounge access matters.
- Good for travel 2% forex · unlimited lounge
- Moderate forex 2% forex markup
- Strong lounge access Unlimited domestic lounge access
Annual fee ₹12,500 per year
Forex markup 2% high
Lounge access ∞ unlimited domestic
Rewards / ₹100 25 pts up to · ₹150 on Amazon
The catch No lounge spend gate is currently flagged. Verify guest/add-on access and current airport lounge list before relying on lounge access.
- Welcome benefit timing may vary
- Fee waiver available
- Annual fee known
- Forex markup known
- Unlimited domestic lounge access
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹12,500 higher than 102 of 112 cards
- Joining fee
- ₹12,500
- Forex markup
- 2% lower than 71 of 111 cards
- Lounge access
- Unlimited domestic lounge · Unlimited international
- Reward rate
- Up to 25 pts / ₹150 on Amazon
Good fit for
- Good for travel
- Strong lounge access
Not a fit for
- High annual fee (₹12,500)
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver applies at ₹10,00,000 annual spend.
- Forex markup is low at 2%.
- Unlimited domestic lounge access
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- Unlimited domestic lounge access
- Airport lounge list may change
- ₹12,500 welcome benefit listed
- Welcome benefit timing may vary
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: Unlimited domestic lounge access. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 4 points per ₹100. 5x Amazon applies up to ₹90,000 per month, then 4 points per ₹100 applies. Still verify excluded categories and point value.
Next best move
Compare with Axis Bank Magnus Similar tier comparison Best HDFC credit cards See how this card compares within HDFC. Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Unlimited lounge cards Cards with unlimited domestic lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. Premium credit cards High-fee cards with premium benefits. Best travel credit cards Cards suited for international spend and lounge-heavy travel.
Is this good for lounge access?
Unlimited domestic lounge access. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.
Is this good for international spends?
Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
Fee waiver applies at ₹10,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
A welcome benefit worth ₹12,500 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹10,00,000yearAnnual fee waiverextremestrong
Watch outs
Before choosing this card- Reward value is not fully resolved in the current snapshot.
- Annual fee is ₹12,500, so value depends on actual usage.
- Fee waiver requires ₹10,00,000 annual spend.
Reward reality
Point value · limits · exclusionsPoint valueNot published by issuer — varies by redemption
Base earn4 points per ₹100
Best verified laneAmazon (domestic)25 pts / ₹150
Limits/capsAmazon (domestic): up to ₹90,000 per month; excess not counted unless source allows fallback
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
Amazon (domestic)25 pts / ₹1505X Reward Points on Amazon Shopping Vouchers purchased via the HDFC SmartBuy …up to ₹90,000 per month; excess not counted unless source allows fallback
General spend5 pts / ₹150——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Estimated using base earn (5 pts / ₹150). ~1,670 pts/month. Partner/category bonuses not included.
- Fee waiver unlikely at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- Unlimited · verified 6 Jul 2026
- International (cardholder)
- Unlimited — via Priority Pass Requires Priority Pass card
- HDFC Airport Lounge Access Program PDF (30 Sep 2025)
- HDFC Airport Lounge Access Program PDF (30 Sep 2025)
- HDFC Infinia eligible lounge list
- HDFC Infinia eligible lounge list
Rewards
- Base earn
- 5 pts / ₹150 value depends on redemption
- Point validity
- Points expire 3 years after earning · verified 7 Jul 2026
Insurance Cover
- Air accident cover
- ₹3 crore
- Emergency medical cover
- ₹50 lakh
Fees & charges
Fees
- Monthly interest rate
- 1.99% / month
- Annual fee
- ₹12,500
- Joining fee
- ₹12,500
- Fee waiver spend
- ₹10,00,000 Above catalog median waiver (₹2,00,000 vs ₹10,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
6 sources agree · verify issuer terms before applying
Where to verify
- HDFC official page
- CardInsider
- BankBazaar
- CardExpert
- Shared HDFC Bank In
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Super-premium
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions of ₹400+.
- Maximum waiver ₹1,000 per statement cycle.
Annual fee break-even math
When does this card pay for itself ₹10L yearly spend to waive the annual fee
Annual fee waiver applies at around ₹10L yearly spend.
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · sources · last refresh- Category cap: 10,000 RP per month · insurance transactions
- Category cap: 2000 Reward Points per calendar month · Utility transactions
- Statement cycle cap: 2,00,000 RP per statement cycle · Maximum earn limit
- Category cap: 15,000 RP per month · Amazon
Expiry: 3 years, and Easy EMI cards/ PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card on which reward points/ cash points are valid for 1 year
- Travel redemption: ₹99 redemption fee per redemption
- Annual fee: ₹12,500.
- Forex markup currently listed at 2%.
- Unlimited domestic lounge · Unlimited international.