HDFC Bank • The undisputed monarch of Indian super-premium credit cards.
The HDFC Infinia Metal Edition delivers up to 33.3% return on hotels and 16.6% on flights through the SmartBuy portal. Points never expire and transfer 1:1 to airline miles including Singapore Airlines KrisFlyer, Virgin Atlantic, and Accor Live Limitless.
18% GST applies to annual fee (Total ₹14,750). Cash advance charge: 2.5% or min ₹500. Rent surcharge: 1% + GST. Fuel surcharge waiver up to ₹1,000 per billing cycle.
Log into NetBanking -> Cards -> SmartBuy Rewards Portal -> Points Transfer. Transfers to Accor are at 1:1, meaning 10,000 Infinia points equal 10,000 Accor points (approx ₹18,000 in hotel room value).
No. Infinia Metal has zero quarterly spend conditions for lounge access. You receive complimentary, unconditional Priority Pass visits for both primary and add-on cardholders.