#1-₹8,246/yr
HDFC Bank Infinia Credit Card
5 RP/₹150 · Premium Metal
Best net value on this list — about -₹8,246/yr in your pocket after fees on typical spends.
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Age 25–60 · From ₹1,50,000/mo income · Unsecured
Premium Metal·HDFC Bank
For ₹1.5L+ monthly income travelers.
Age 25–60 · From ₹1,50,000/mo income · Unsecured
Key Benefits
All 11 benefits →SmartBuy travel
10X points
Other spends
3X points
SmartBuy vouchers
GyFTR/Woohoo sub-cap
3,000 accelerated pts/mo
Lounge
Domestic + international
₹60,000 prior-quarter spend from Jul 2026
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹8,920/yr after fees. Rewards alone turn positive around ₹1,27,005/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: HDFC Diners Black T&Cs (Jul 2026 lounge & SmartBuy voucher revision)
High income, metal cards, max perks
Source: HDFC Diners Black T&Cs (Jul 2026 lounge & SmartBuy voucher revision)
SmartBuy travel
10X points
Other spends
3X points
SmartBuy vouchers
ChangedFrom Jul 2026 See what changed
GyFTR/Woohoo sub-cap
Cap: 3,000 accelerated pts/mo
Lounge
Changed₹60,000 prior-quarter spend from Jul 2026 See what changed
Domestic + international
Lounge access
Domestic + international — spend-gated from Jul 2026
Spend criteria: From Jul 2026: ~₹60,000 spend in the previous calendar quarter for domestic lounge; Diners Club Privilege confirmed ₹15K→₹60K gate
See worked examples of how points convert to cash value
travel — 5 pts per ₹150 spend
You spend
₹10,000
You earn
333 pts
Worth ≈
₹166.67
@ ₹0.50/point
all — 3 pts per ₹150 spend
You spend
₹10,000
You earn
200 pts
Worth ≈
₹100
@ ₹0.50/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.50/pt in calculations. Points expire in 24 months if unused.
Based on moderate spend for this market
Est. net annual
-₹8,920
per year
Annual fee
₹11,800
per year
Effective return
-2.4%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹10,000 · Forex 2% on international transactions — tap for full fees
Joining fee
Charged in first year
₹10,000
Annual / renewal fee
Charged every year unless waived
₹10,000
Forex markup
2% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
25–60 years · ₹1,50,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹3,120/year. After the ₹10,000 annual fee, net value is approximately -₹8,920/year. Use the calculator above to model your own spends.
₹1,50,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups.
Deeper rankings and comparisons for similar use cases.
HDFC Bank Infinia Credit Card
5 RP/₹150 · Premium Metal
Best net value on this list — about -₹8,246/yr in your pocket after fees on typical spends.
Axis Bank Magnus Credit Card
12 Edge Miles/₹200 · Premium Metal
Strong runner-up at -₹11,102/yr net — roughly ₹2,856 behind #1 on the same spend mix.
ICICI Bank Emeralde Private Metal Credit Card
4X reward points · Premium Metal
Worth a look — -₹11,808/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
