Fee break-even
List the ₹12,500 + GST (waived on ₹10L spend; from Apr 2026 needs ₹18L spend or ₹50L relationship value) cost and subtract only the lounge, reward and travel benefits you expect to use in a normal year.
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HDFC Bank
HDFC Infinia Metal Edition
Best super-premium card for very high spenders
How to evaluate this travel card
Start with your real travel pattern: how often you fly, whether you use domestic or international lounges, how much you spend abroad and which airline or hotel partners you already use. Then compare the value you can realistically receive with the annual fee shown above. Rewards only help when their redemption options match trips you would book anyway.
Travel fit
Check whether the Visa / Mastercard network, 2% (partial offset via Global Value Program) forex terms and stated airline or hotel benefits fit your destinations.
Before applying
Confirm eligibility, welcome-benefit conditions, spend milestones, exclusions and the current schedule of charges on HDFC Bank's site.
Annual Fee
₹12,500 + GST (waived on ₹10L spend; from Apr 2026 needs ₹18L spend or ₹50L relationship value)
Lounge Access
Unlimited domestic & international (1,000+ lounges via Priority Pass)
Reward Rate
5 pts/₹150 (~3.33%), up to much higher via SmartBuy
Detailed Benefits
- Joining Benefits
- Complimentary Club Marriott / golf memberships
- Domestic Lounge Access
- Unlimited
- International Lounge Access
- Unlimited
- Forex Markup
- 2% (partial offset via Global Value Program)
- Airline Benefits
- Accelerated rewards on SmartBuy flight bookings
- Hotel Benefits
- Taj Epicure / Club Marriott memberships; SmartBuy hotel offers
- Network
- Visa / Mastercard
Frequently Asked Questions
Is HDFC Infinia Metal Edition currently shown as active?
Yes. Deal4Flight only creates public card pages for cards that are not marked discontinued in our travel-card list. Always confirm availability on HDFC Bank's official page before applying.
What is HDFC Infinia Metal Edition best for?
Best super-premium card for very high spenders
Where should I verify the latest fees and benefits?
Use the official source link on this page. Fees, lounge access, spend gates and rewards can change without notice.
How should I judge whether HDFC Infinia Metal Edition is worth its annual fee?
Compare the annual fee with benefits you will actually use, such as lounge visits, travel rewards, hotel privileges and forex savings. Do not count a benefit at full value if your normal travel pattern would not use it.
Do lounge visits always work without conditions?
Not necessarily. Issuers may apply quarterly limits, minimum-spend conditions, eligible-card variants or network rules. Check the latest issuer terms and confirm the lounge participates before travel.