HDFC BANK · CHECKED 22 OCT 2026

HDFC Bank Infinia Credit Card Metal Edition

Best on Airtel Thanks, AJIO, Amazon and 24 more apps: 3.33% back.

₹12,500 a yearFee waived at ₹10 spendPaid as Reward Points

Where it earns the most

Airtel Thanks3.33%no minimum order · up to ₹2,000 a month#5 of 50 cards

AJIO3.33%no minimum order · up to ₹2,00,000 a month#12 of 50 cards

Amazon3.33%no minimum order · up to ₹2,00,000 a month#10 of 50 cards

Apollo 24|73.33%no minimum order · up to ₹2,00,000 a month#6 of 50 cards

BigBasket3.33%no minimum order · up to ₹2,000 a month#9 of 50 cards

Blinkit3.33%no minimum order · up to ₹2,000 a month#12 of 50 cards

Everywhere else

3.33% backBookMyShowCleartripDistrictDomino'sFlipkartGoibiboixigoJioMartMakeMyTripMeeshoMyntraNykaaPVR INOXReliance DigitalSwiggySwiggy InstamartTata CLiQTata NeuUberZeptoZomato
2.15% backIRCTC Rail Connect

Where another card earns more

Airtel ThanksAirtel Axis earns more here25%vs 3.33%
AJIOHSBC Live+ earns more here10%vs 3.33%
BigBasketHSBC Live+ earns more here10%vs 3.33%
BlinkitAirtel Axis earns more here10%vs 3.33%
BookMyShowAxis Neo earns more here10%vs 3.33%

All the details: fees, points and limits in every app

Bank: HDFC Bank
Network: Visa, Mastercard
Open to new applications?: Yes
Joining fee: ₹12,500
Annual fee: ₹12,500
Fee waiver: Renewal fee waived after ₹10 lakh of spend in the year before the renewal date.
Rewards paid as: Reward Points
One point is worth: ₹1
How the points are used: ₹1 per point on flights and hotels booked with points on HDFC SmartBuy (up to 70% of a booking, at most 1,50,000 points a month)
Other ways to use the points: products and vouchers from the catalogue (up to ₹0.5 each); credit against the bill (up to ₹0.3 each)
Checked on: 22 Oct 2026

Official page: HDFC Bank

App	Reward	Min. order	Limit	Rank of 50
Airtel Thanks	3.33% as Reward Points	—	Up to ₹2,000 per calendar month	#5
AJIO	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#12
Amazon	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#10
Apollo 24\|7	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#6
BigBasket	3.33% as Reward Points	—	Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate)	#9
Blinkit	3.33% as Reward Points	—	Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate)	#12
BookMyShow	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#12
Cleartrip	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#11
District	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#8
Domino's	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#7
Flipkart	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#13
Goibibo	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#8
ixigo	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#5
JioMart	3.33% as Reward Points	—	Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate)	#9
MakeMyTrip	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#6
Meesho	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#9
Myntra	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#14
Nykaa	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#11
PVR INOX	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#9
Reliance Digital	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#9
Swiggy	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#15
Swiggy Instamart	3.33% as Reward Points	—	Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate)	#9
Tata CLiQ	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#8
Tata Neu	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#7
Uber	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#14
Zepto	3.33% as Reward Points	—	Up to ₹2,000 per calendar month (one limit shared with the card's other apps at this rate)	#8
Zomato	3.33% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#15
IRCTC Rail Connect	2.15% as Reward Points	—	Up to ₹2,00,000 per statement cycle (one limit shared with the card's other apps at this rate)	#4

Questions people ask

Where does HDFC Infinia earn the most?

HDFC Bank Infinia Credit Card Metal Edition earns its highest rewards on Airtel Thanks (3.33% as Reward Points), AJIO (3.33% as Reward Points) and Amazon (3.33% as Reward Points).

What is the annual fee of HDFC Infinia, and can it be waived?

HDFC Infinia has a joining fee of ₹12,500 and an annual fee of ₹12,500. Renewal fee waived after ₹10 lakh of spend in the year before the renewal date.

How much is one HDFC Infinia point worth?

About ₹1 each when used as the bank shows first: ₹1 per point on flights and hotels booked with points on HDFC SmartBuy (up to 70% of a booking, at most 1,50,000 points a month). Other options: products and vouchers from the catalogue (up to ₹0.5 each); credit against the bill (up to ₹0.3 each).

Is HDFC Infinia still available?

Yes, the bank still issues it to new customers.

Rewards are as per HDFC Bank’s published terms on the date shown and can change. Pickkard isn’t a bank and isn’t connected to HDFC Bank. Check the official page before applying.