The HDFC Infinia Metal earns in Reward Points, which this calculator values at ₹1 per point. Base earn rate is 3.33% value back, the annual fee is ₹12,500, and forex markup is 2%.
Booking through SmartBuy, iShop or Travel EDGE changes the maths on this card.
| Category | Value back | Detail |
|---|---|---|
| Flights | 16.65% | SmartBuy flights 5X (inside 15,000 RP/mo cap) |
| Hotels | 33.3% | SmartBuy hotels 10X (inside 15,000 RP/mo cap) |
| Online shopping | 16.65% | SmartBuy vouchers 5X - bonus capped 3,000 RP/mo (Jul 2026) |
The HDFC Infinia Metal earns no rewards on Rent, Govt & Tax, Fuel. Put that spend on another card.
No rewards on fuel (HDFC-wide). 1 RP = ₹1 on SmartBuy flights/hotels/Apple/Tanishq. Insurance capped 5,000 RP/day, utilities 2,000 RP/day. The July 2026 voucher cap killed the GyFTR game - travel via SmartBuy is the engine now.
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