Cardfare / Cards / HDFC Infinia Metal Edition
HDFC Infinia Metal Edition: rewards, caps and changes
What this card earns where, the caps that stop it, and what changed recently. Rates in the "Worth" column value one Infinia Reward Points unit at ₹0.5 (products & vouchers catalogue up to rs 0).
What it earns
| Where | Rate | Worth | Conditions | Source |
|---|---|---|---|---|
| HDFC SmartBuy | 25 pts / ₹150 | 8.3% | SmartBuy accelerated (bonus) points capped at 15,000 per calendar month (15,000/day); base points continue beyond the cap | Terms |
| HDFC SmartBuy hotels | 50 pts / ₹150 | 17% | SmartBuy accelerated (bonus) points capped at 15,000 per calendar month (15,000/day); base points continue beyond the cap | Terms |
| HDFC SmartBuy vouchers | 25 pts / ₹150 | 8.3% | SmartBuy brand-voucher accelerated points capped at 3,000 per calendar month from 1 Jul 2026, counted within the 15,000 overall cap | Terms |
| Insurance premiums | 5 pts / ₹150 | 1.7% | Insurance Reward Points capped at 10,000 per month | Terms |
| Groceries & quick commerce | 5 pts / ₹150 | 1.7% | Grocery Reward Points capped at 2,000 per calendar month | Terms |
| Bills & utilities | 5 pts / ₹150 | 1.7% | Utility Reward Points capped at 2,000 per month | Terms |
| Mobile & broadband | 5 pts / ₹150 | 1.7% | Telecom Reward Points capped at 2,000 per month | Terms |
| Everything else | 5 pts / ₹150 | 1.7% | Maximum 2,00,000 Reward Points earnable per statement cycle | Terms |
| Fuel | No rewards | 0% | — | Terms |
| Wallet loads | No rewards | 0% | — | Terms |
| Rent | No rewards | 0% | — | Terms |
| Tax & government | No rewards | 0% | — | Terms |
Recent changes
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CutHDFC Bank· since 1 July 2026
HDFC caps SmartBuy voucher bonus points at 3,000 a month
Accelerated points on brand vouchers bought through SmartBuy (GyFTR or Woohoo) are now capped at 3,000 a month. On Infinia this sits inside the unchanged 15,000-point monthly SmartBuy accelerated cap.
Cards: HDFC Infinia Metal Edition, HDFC Diners Club Black Metal
Source: Live From A Lounge
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Benefit changeReportedHDFC Bank· since 1 April 2026
HDFC Infinia needs ₹18L spend or ₹50L relationship to keep the card
To retain Infinia, cardholders must spend ₹18 lakh on the card or hold ₹50 lakh of relationship value with HDFC between 1 April 2026 and 31 March 2027. Those who meet neither will be told in 2027 and may be downgraded or removed.
Cards: HDFC Infinia Metal Edition
Source: CardExpert
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CutReportedHDFC Bank· since 1 February 2026
HDFC Infinia limits redemptions to five a month
Infinia cardholders can now redeem reward points at most five times a month, within existing value caps such as ₹1.5 lakh a month on flights, hotels and air miles. Apple and Tanishq redemptions on SmartBuy can cover only up to 70% of the bill with points.
Cards: HDFC Infinia Metal Edition
Source: Business Standard
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CutReportedHDFC Bank· since 1 July 2025
HDFC caps reward points on insurance and ends points on skill-gaming
Reward points on insurance payments are now capped each month at 10,000 on Infinia, 5,000 on Diners Black variants and 2,000 on most other cards. Online skill-gaming spends no longer earn reward points or CashPoints.
Applies across HDFC Bank's cards
Source: Upstox News
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New feeReportedHDFC Bank· since 1 July 2025
HDFC adds 1% fee on wallet loads and skill-gaming, raises fee cap to ₹4,999
HDFC began charging 1% on wallet loads (excluding PayZapp) and online skill-gaming once either exceeds ₹10,000 in a calendar month. Its existing 1% fees on rent, fuel, education (via third-party apps) and utilities (above ₹50,000 a month, ₹75,000 for business cards) are now capped at ₹4,999.
Applies across HDFC Bank's cards
Source: Business Standard
Live offers for this card
- AmazonHDFC Bank· until 30 September 2026
₹1,250 off on ₹15,000+ · card EMI only
Flat ₹1,250-₹1,750 off on HDFC Credit Card EMI (6m+) on ₹15,000+
Offer terms · verified 23 Sept 2026
- AmazonHDFC Bank· until 30 September 2026
₹3,000 off on ₹50,000+ · card EMI only
Flat ₹3,000-₹4,000 off on HDFC Credit Card EMI (6m+) on ₹50,000+
Offer terms · verified 23 Sept 2026