✓ Verified Mar 2026Fees: T1Rewards: T1
•••• •••• •••• ••••
HDFC Bank
HDFC Infinia Metal
VisaMastercardUltra-PremiumPoints
💰
Annual Fee
₹12,500
🎁
Reward Type
Points
🌍
Forex
2%
✈️
Lounge
∞ dom · 6 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹12,500
Annual Fee₹12,500(waived ≥ ₹10,00,000)
Min Monthly Income₹5,00,000
Rewards
Reward TypePoints
Base Rate5%
Point Value₹1/point
Category Multipliers
smartbuy hotels33.3%(cap ₹15,000)smartbuy flights16.6%(cap ₹15,000)
Redemption Values
flights₹1/pt
apple products₹1/pt
hotel transfer₹1/pt
statement credit₹0.3/pt
Milestones
Spend ₹10L in a year10,000 bonus reward points (~₹10,000) (annually)
Every ₹5L incremental spend10,000 bonus points each (annually)
Travel & Global
Forex Markup2%
Domestic LoungeUnlimited ✓
Intl. Lounge6 visits/yr
Lounge NetworkPriority Pass
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
⚠️ Last devaluation: December 2024
💡 Fee Waiver Strategy
Spend ₹10L in a year to waive the renewal fee. Joining fee comes with 12,500 points (equal value).
⚖️ Breakeven Analysis
To recover the ₹12,500 annual fee at the base reward rate of 5%, you need to spend ₹2,50,000 annually.
🎯 Pro Tips
- ▸Use SmartBuy for flights/hotels to get 5x/10x points
- ▸Transfer points to Accor/Singapore Airlines for >₹1 value
- ▸The 70/30 Rule: Book IndiGo flights via SmartBuy paying 70% in points and 30% in cash. The 5X multiplier turns the 3.3% base into a 16.5% effective return.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹47,500
Effective Rate
4.0%
Ranked #6 of 173 cards🏆 Top 10
₹12,500 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
High Spender (₹1L/mo)
Monthly: ₹1,00,000 · Annual: ₹12,00,000
3.75%
Effective Return
other: ₹20,000/modining: ₹10,000/motravel: ₹30,000/moshopping: ₹40,000/mo
Annual Rewards Value₹45,000
After Fee (₹12,500)+₹32,500
Assumes 50% spend via SmartBuy for accelerated rewards.
SmartBuy Optimizer (₹50k/mo)
Monthly: ₹50,000 · Annual: ₹6,00,000
8.25%
Effective Return
other: ₹10,000/modining: ₹10,000/motravel: ₹20,000/moshopping: ₹10,000/mo
Annual Rewards Value₹49,500
After Fee (₹12,500)+₹37,000
Maximizes the 16.5% return on flights and 33% on hotels via SmartBuy.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Unified Travel PortalBEST | ₹1.0/pt | 10k pts = ₹10k flight | Flights/Hotels |
| Airmiles Transfer | 1:1 Ratio | 10k pts = 10k Miles | Business Class |
🏷️ Best For
premiumtravelshopping