PointsVista · India · Updated 2026-10-03

HDFC Infinia Metal

HDFC Bank · Bank points

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Invite-only card for HDFC's top customers. Earns 3.3% on regular spend and much more on flights and hotels booked through HDFC SmartBuy.

Welcome offer: About ₹12,500 in joining benefits (vouchers, points or cashback)
Annual fee: ₹14,750 a year incl. GST (waived at ₹10 lakh spend)
Rewards rate: 5 points per ₹150 (3.3%); up to 10X via SmartBuy
Regular APR: Interest is charged monthly; see the bank's fees page
Recommended CIBIL score: CIBIL 700+ (guide: TransUnion CIBIL calls 700+ good; the bank doesn't publish a minimum)
Forex markup: 2%
Airport lounges: Priority Pass (domestic and international). Unlimited. Add-on cardholders included.
Points go to: HDFC Reward Points. Transfers to about 11 airline and 11 hotel partners at 1:1 to 2:1, including Singapore KrisFlyer, Air France-KLM Flying Blue, Marriott Bonvoy and Accor. Exact ratios vary by partner, so check SmartBuy before transferring.

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