Previously, it was reported that the bank had reduced the number of point redemptions to three times a month, but the bank has revised the number back to five times a month.
According to HDFC Bank’s website, “From February 1, 2026, Infinia Credit Card reward points can be redeemed up to five times in a month.”
Latest HDFC Bank Infinia Metal Credit Card Benefits Points Criteria.
For every 150 rupees HDFC Bank Infinia Credit Card Cardholders can earn 5 Reward Points if certain requirements are met (conditions apply).
However, you can earn up to 10x points on purchases at Smartbuy.
HDFC Bank Infinia Credit Card Points Details
Reward points can be redeemed up to a maximum of Rs 200,000 in a statement cycle.
For flight tickets, hotel bookings and air miles, redemption of reward points is capped at INR 1.5 million per month.
Reward Points can be redeemed for up to 70% of the total bill when purchasing Apple products and Tanishq vouchers. The remaining amount must be paid by credit card.
Redemption of Rewards Points is limited to 50,000 Rewards Points per month against your statement balance.
HDFC Bank Infinia Credit Card Reward Point Redemption
| Apple products and Tanishq vouchers purchased on SmartBuy | 1 rupee |
| Flight and hotel reservations | 1 rupee |
| Air mile conversion | up to 1 air mile |
| products and coupons | up to 0.50 rupees |
| Cashback on statement balance | Up to 0.30 Rupees |
HDFC Bank Debit Card
HDFC Bank recently revised its eligibility criteria to allow debit card customers to enjoy free airport lounge access.
From January 10, 2026, customers who meet the quarterly spend threshold of Rs 10,000 will receive an SMS/email on their registered mobile number/email ID within 2 working days with a link to claim the lounge access voucher. Customers must click on this link to claim their voucher.
If the credit card is not used for more than 365 days, the points awarded will be invalidated.
Important FAQs about HDFC Bank Infinia Metal Credit Card
What is HDFC Metal Credit Card?
Metal credit cards are very high-end premium credit cards and are usually available by invitation only. HDFC Bank’s Infinia Metal Credit Card is available in metallic version with many unique benefits. An invitation is required to obtain this card. As a welcome benefit, you can earn 12,500 reward points on rate realization and card activation.
Who can get the Infinia Metal Credit Card?
The HDFC Bank Infinia Metal Credit Card is available only to selected customers on an invitation-only basis. The bank will assess your eligibility and personally notify you if you qualify for the card.
Is the Infinia Metal Credit Card free?
No, the Infinia Metal Credit Card is not free. The joining fee is Rs 12,500 plus applicable taxes and the annual renewal fee is Rs 12,500 plus applicable taxes.