HDFC Bank INFINIA Credit Card Metal Edition

Joining Fee: Rs. 12,500 + applicable taxes
Renewal Fee: Rs. 12,500 + applicable taxes
Best Suited For: Travel | Dining
Reward Type: Reward Points
Welcome Benefites: Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.

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The Infinia Credit Card is the most premium product offered by the HDFC bank. Recently, HDFC relaunched the Infinia Credit Card in the metallic variant (all new issuances of the card will now be on the metallic variant). It is an invite-only card as HDFC is targeting HNIs (High Net-Worth Individuals) with this card who want a luxurious lifestyle. The card offers exclusive privileges like 24*7 concierge services, access to premium golf destinations, and attractive dining benefits at some of the country’s most premium restaurant chains. All these benefits put this card in direct competition with ICICI Bank Emeralde Credit Card, Citibank Prestige Card, and Standard Chartered Ultimate Credit Card. Keeping the international traveling needs of its premium customers in consideration, HDFC offers a lower foreign currency exchange rate of 2% and a complimentary membership to the Priority Pass program with this card. HDFC Infinia Metal is a Reward Points-based card: you earn 5 Reward Points for every Rs. 150 spent using this card. Although the membership fee for this card is slightly on the higher side, Rs. 12,500/annum, is most certainly worth it and it can be the card of preference for you if you’re someone who is financially stable and can not compromise with your lifestyle needs. To understand the features of this card is more detail, go through the HDFC Infinia Metal Review given in the article:

New Features

Spend Based Waiver

Get renewal fee waived by spending Rs. 10 lakh in the previous year.

Interest Rates

1.99% per month or 23.8% annualized

Add-on Card Fee

Nil

Rewards Redemption Fee

Nil

Fuel Surcharge

1% fuel surcharge waiver up to Rs. 1,000 each month

Foreign Currency Markup

2% of the total transaction amount + taxes

Cash Advance Charges

NIL (Interests charges applicable)

Movie & Dining

Exclusive dining privileges with the Good Food Trail Program and free Club Marriott membership, 1 + 1 complimentary buffet at ITC hotels.

Travel

Complimentary Priority Pass membership with unlimited free access to airport lounges and with Infinia Credit Card Lounge Access Program along with complimentary Club Marriott membership for 1 year, complimentary 2 + 1 night stay at several premium ITC hotels

International Lounge Access

Unlimited free access to international lounges across the globe for the primary cardmember and all add-on cardholders.

Rewards Rate

5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%

Golf

Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India

Insurance Benefits

Insurance cover worth Rs. 3 crore against accidental air death (applicable only in case of death due to an air accident), a cover worth Rs. 50 lakh against medical emergencies during international air travel, Credit shield cover worth Rs. 9 lakh (the outstanding amount on the card is covered in case of accidental death or permanent disability of the primary cardholder).

Reward Redemption

RPs can be redeemed for flight and hotel bookings via SmartBuy (1 RP = Re. 1), Airmiles through net banking (1 RP = 1 Airmile), products and vouchers via net banking or SmartBuy (1 RP = Rs. 0.50), Apple and Tanishq vouchers (1 RP = Re. 1) cashback (1 RP = Rs. 0.30)

Domestic Lounge Access

Unlimited complimentary access to domestic lounges with the Priority Pass membership for primary as well as add-on Infinia cardholders, unlimited free domestic lounge visits per quarter with Visa/MasterCard domestic lounge program

Zero Liability Protection

In case the card is lost, if you report the same within 24 hours, you have zero cost liability on any fraudulent transaction made with your credit card. Bank not liable for any fraudulent transaction made prior to the time of reporting.

Pros

Unlimited lounge access at domestic as well as select foreign airports with the card The card charges a low forex markup fee of 2% which is great for those who make frequent spends in foreign currencies Unlimited complimentary golf games at premier golf courses in India and across the world

Cons

There are not any annual or monthly perks on the Infinia credit card Earlier there were life time free options but the new metal edition Infinia credit card does not have any lifetime free benefits

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