HDFC Bank Infinia Metal Credit Card: The King Of Credit Cards

In today’s modern world, there is more to credit cards than just a method of payment. They offer a large number of perks which include cashback, reward points, dining privileges, premium access to luxury lounges, insurance covers, and many others. While there are a number of premium credit cards available on the market, the HDFC Bank Infinia Metal Credit Card is one of the best credit cards for those looking for a luxury, exclusive experience. This is a very exclusive card to be issued only to the high-net-worth individuals who lead an opulent life and desire high-end rewards at all stages.

In this post we will look at HDFC Bank Infinia Metal Card, its features, benefits, eligibility, charges and why it should be on top of your list if you’re looking for the ultimate luxury credit card experience.

What Is Special about HDFC Bank Infinia Metal Credit Card?

Here is a premium credit card from HDFC: Introducing the HDFC Infinia Metal Credit Card which designed for luxury and convenience, which gives an indulgence experience to you when you use for your daily expenses as well as for your special spends. Designed to present you with a card that meets the lifestyle of affluent customers, who not only require high credit limits and rewards, but also the best in services and privileges, the HDFC Bank Infinia Credit Card has it all.

The card is geared toward those who want the very best in life — dining at Michelin starred restaurants, luxury travel, premium service and elite access to airport lounges, events and brands. The Infinia Metal Credit Card is crafted with superior metal, delivering durability and a premium feel, in line with the brand’s promise of exclusivity.

HDFC Bank Infinia Metal Credit Card Features and Benefits

Welcome Benefits

The welcome benefits offered by the HDFC Infinia Metal Credit Card are one of the first things that lure the potential cardholders. You can get as part of the welcome offer:

• Welcome Gift Vouchers: New applicants are offered gift vouchers from well known retail and luxury stores. These are trouples which can be used to go shopping, eat out or enjoy other lifestyle activities.
  
  
• Bonus Reward Points: New customers also typically receive Bonus Reward Points that are redeemable on a range of goods, travel bookings or luxury experiences.
  
  

These rewards work to jump-start you with the card and boost the value you get practically from day one.

Reward Points Program

The HDFC Infinia Metal Credit Card comes with strong rewards program with savings on every spend. Some important features of their loyalty program are:

• 5 Reward Points for every ₹150 spent on retail purchases (except fuel).
  
  
• 10 Reward Points per ₹150 spent on specific categories like dining, travel and international Select Categories.
  
  
• Redemption: 1 Reward Point = ₹0.50. You can use these reward points to make travel bookings, purchase luxury items, purchase gift vouchers, book hotel rooms and more.
  
  

This is also a great credit card for people who spend a lot abroad as well who spend on premium brands.”.isNotEmptyFor more ways to maximize the points, members earn on international spends and spending on premium brands, the American Express Platinum Reserve credit card appeals to frequent travelers and shopaholics.

Travel Privileges

HDFC Infinia Metal Credit Card is go-to a credit card for high-end spenders and high-end travelers looking for travel-related privileges such as:

• Airport Lounge Access: Unlimited complimentary access to over 1000 airport lounges across the world. This card also comes with free access to Priority Pass lounges around the world.
  
  
• Family Lounge Access: In addition to the cardholder, 2 supplementary members can enter for free. For travellers that go around quite a bit with friends or family this is awesome!
  
  
• Travel concierge service: The card also comes with a 24/7 concierge service to help you with your travel booking, event planning, hotel reservation, or whatever else you need for your travels. Concierge With concierge service, your travel will be as easy and luxurious as possible.
  
  

Luxury Lifestyle Benefits

The HDFC Infinia Metal Credit Card is designed for luxury living, and the lifestyle privilege features that you receive will show you just how much so:

• Dining Privileges: Exclusive dining privileges at the best restaurants here and abroad for cardmembers. These perks are usually discounts, complimentary meals, and priority reservations in specific premium dining venues.
  
  
• Golf Benefits: The card also provides complimentary golf lessons, green fees, and other golf-related perks at exclusive golf courses for those who love the game.
  
  
• Invitations: HDFC Infinia Cardholders get access to VIP events, product launches, concerts and private shows held by luxury brands at wall-to-wall select places in India.
  
  

These perks are perfect for anyone who lives a luxury lifestyle and wants to experience the finest entertainment available anywhere.

Insurance Coverage

HDFC Bank Infinia Metal Card Insurances HDFC Infinia provides all-round insurance coverage in front of a sense of security and seamless travelling for card users:

• Travel Insurance: Members are insured against flight delays, lost luggage, medical emergencies and more as a result of travel purchases.
  
  
• Purchase Protection: Get free purchase protection on items purchased with your card for up to 90 days from the date of purchase, theft, damage or accidental loss of the product.
  
  
• Air Accident Insurance: The card comes with an air accident insurance of up to ₹1 crore, which covers airmen in case of an unfortunate accident while travelling by air.
  
  
• Fraud Liability: If the cardholder’s card is lost or stolen, the card also will cover fraudulent transactions and protect cardholders against unautho­rized charges.
  
  

No Pre-set Spending Limit

No pre-set spending limit is one of the key features of HDFC Infinia Metal Credit Card. This gives cardholders the freedom to make big purchases without the concern of reaching a limit. The spending cap is dynamic and is influenced by the cardholder’s spending, creditworthiness, and other factors. This makes it an attractive proposition to wealthy individuals who are accustomed to making sizeable payments, such as for travel, premium goods such as jewellery or services.

Fuel Surcharge Waiver

For frequent drivers, the HDFC Infinia Metal Credit Card offers 1% fuel surcharge waiver on all fuel transactions at petrol pumps in India. This saves on the cost of fuel and makes life easier for cardholders, who now save on what they spend every day.

Exclusive Partnerships and Offers

HDFC Infinia Metal Credit Card users also enjoy special offers on luxury brands, hotels and airlines. Some of these include:

• Exclusive offers for flights on premium airlines.
  
  
• Access to luxury hotels, spas and resorts at exclusive discounts.
  
  
• A more personalized shopping experience at the worlds best luxury stores.
  
  
• Sponsored partnerships and events with premier brands in categories including fashion, technology and automotive.
  
  

Eligibility Criteria of HDFC Infinia Metal Credit Card

The HDFC Infinia Metal Credit Card is meant for the high-net-worth category, and so the eligibility requirements reflect that:

• Age: Applicants should be at least 21 years old and up to 60 years.
  
  
• Income: The minimum annual income to be eligible for this card is ₹30 lakh. However, the criteria can differ from city to city and occupation to occupation.
  
  
• Credit Score: For approval of the HDFC Infinia Metal Credit Card, cardholders need to have a high credit score. Normally, 750 and above is required to obtain a credit card.
  
  
• Existing Relationship with HDFC: This card is specially offered to high-value customers or long-term relationship account holders.
  
  

HDFC Infinia Metal Credit Card vs Other Premium Credit Cards

Though the American Express Platinum Card, Standard Chartered Ultimate Credit Card, etc., give stiff competition, HDFC top the list due to its own unique features. Unlimited airport lounge access, comprehensive insurance cover, and dynamic spending limits are one of the top USPs of this card. Insurance is provided on international and domestic travel and special Card.

Conclusion & Recommendations

All of these features make the HDFC Infinia Metal Credit Card one of India’s most sought-after. If you are indeed not interested in the traditional rewards and only want a credit card for luxury, we highly recommend you try this card.