HDFC Infinia Metal Credit Card: The Ultimate Premium Card in India

[Siddarth]

If you’re looking for a super-premium credit card in India, the HDFC Infinia Metal Credit Card really stands out. It’s not just hard to obtain, but it’s also packed with features that make it a top choice among cardholders.

Key Features & Fees

• The annual fee is ₹12,500 plus GST, but here’s the good part: you can waive that fee if you spend ₹10 lakhs in a year.

• The card offers great rewards, plenty of lounge access, and a low foreign transaction fee of just 2% plus GST.

• When you sign up, you receive 12,500 reward points and a free Club Marriott membership for the first year.

Eligibility

• This card is quite exclusive and is mainly for HDFC Bank’s affluent clients. To obtain one, you typically need a monthly salary of ₹5 lakhs if you’re salaried; if you're self-employed, your annual income tax return should show at least ₹60 lakhs.

• A solid credit history is essential as well, along with a spending requirement of ₹8 lakhs on any existing HDFC credit card over the past six months.

• Starting February 2025, you’ll also be able to obtain the card based on your banking relationship value: ₹5 crore if you’re part of the Infinia program or ₹2.5 crore for the Imperia account, provided you’ve been in these programs for at least three months.

Benefits & Rewards

• One of the best perks is unlimited lounge access for both you and your add-on cardholders, whether it’s for domestic or international travel.

• You also receive a free night at ITC Hotels when you book two nights.

• The rewards are quite appealing too — you earn 5 points for every ₹150 you spend.

• By using the SmartBuy platform can help you accumulate up to 10X points, which means you could receive a fantastic 33% back on certain purchases.

• You can redeem your points for travel, Apple products, or Tanishq items at a value of ₹1 each. Plus, purchasing Amazon Pay Gift Vouchers...