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HDFC · super premium tier
HDFC Infinia Metal Edition
High spenders who travel internationally — best redemption value among Indian cards
Joining fee
₹12.5K
Annual fee
₹12.5K
Base rate
3.3%
Expert rating
9.5/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹67,580
Fees-₹25,000
Net annual value+₹42,580
Value breakdown
smartbuy (10x)+₹43,200
dining (3.3%)+₹2,970
Base rate (3.3%)+₹8,910
Welcome benefit+₹12,500
Annual fee₹12,500
Joining fee (year 1)₹12,500
— Highlights
- Unlimited Priority Pass lounges (self + guest)
- 10X SmartBuy rewards (33% return)
- ₹3Cr air accident cover
- 12 free golf rounds/year
- Concierge services
— Drawbacks
- Invite-only
- ₹2.5L+ monthly income required
— Redemption paths
Every way to spend your reward points
1
Singapore KrisFlyer (1:1)
Premium cabin sweet spots
₹1.80
per point
2
Marriott Bonvoy (1:1)
Luxury hotels
₹1.30
per point
3
SmartBuy Flights
Domestic flights
₹1.00
per point
4
SmartBuy Hotels
Hotel bookings
₹1.00
per point
5
HDFC Catalog
₹0.50
per point
6
cashback
Statement credit
₹0.30
per point
— Reward rates
Earn by category
smartbuy
10X
Capped at ₹15.0K/month
10X on SmartBuy partners (Amazon, Flipkart, Marriott)
dining
3.3%
5 points per ₹150