{
  "id": "hdfc-infinia-metal-edition",
  "locale": "en",
  "name": "HDFC Infinia Metal Edition Credit Card",
  "bank": "HDFC Bank",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹12,500 + GST",
  "loungeAccess": "Unlimited (Self + Guest, Domestic & International)",
  "rewardsRate": "3.3% base · up to 33% on SmartBuy",
  "bestFor": "Luxury travel, airline mile transfers & SmartBuy multiplier redemptions",
  "officialLink": "https://www.hdfc.bank.in/credit-cards/infinia-credit-card",
  "aiVerdict": {
    "score": 4.3,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹12500) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 3.3,
  "affiliateId": "hdfc-infinia-metal-edition",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "HDFC Bank — Credit Card Terms schedule, clause 7.4",
    "HDFC SmartBuy portal — redemption limits page",
    "HDFC Bank — Infinia product page and fee schedule",
    "HDFC Bank — Cardholder Communication on FY27 Infinia Retention Criteria"
  ],
  "feeWaiver": "Waived at ₹10L annual spend",
  "networks": [
    "Visa",
    "Diners Club"
  ],
  "quickFacts": [
    {
      "key": "Base Rate",
      "value": "3.3% (5 pts / ₹150)"
    },
    {
      "key": "Top Rate",
      "value": "33% on SmartBuy"
    },
    {
      "key": "Fee Waiver",
      "value": "₹10L a year"
    },
    {
      "key": "Retention Criteria",
      "value": "₹18L Retail Spend OR ₹50L RLV"
    },
    {
      "key": "Lounge",
      "value": "Unlimited + Guest"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "key": "Welcome Gift",
      "value": "12,500 Reward Points"
    }
  ],
  "earnRates": [
    {
      "category": "Flights & Hotels (direct)",
      "rate": "3.3%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Online Shopping (direct retail)",
      "rate": "3.3%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Offline Retail Spends",
      "rate": "3.3%",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Utilities & Insurance",
      "rate": "3.3%",
      "monthlyCap": "₹50k/month max",
      "perLakhSpent": "₹3,333"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "₹0"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "SmartBuy — Flights & Hotels",
      "multiplier": "5×",
      "rate": "16.5%",
      "monthlyCap": "15,000 pts / month",
      "dailyCap": "2 bookings / day",
      "note": "Cheapest-fare guarantee does not apply; compare portal fare before booking."
    },
    {
      "channel": "SmartBuy — Instant Vouchers (Amazon, Flipkart, Myntra, Swiggy)",
      "multiplier": "10×",
      "rate": "33.0%",
      "monthlyCap": "15,000 pts / month (shared pool)",
      "dailyCap": "₹15,000 vouchers / day",
      "note": "The only route to 33%. The monthly point pool is shared with flights."
    },
    {
      "channel": "SmartBuy — Tata CLiQ",
      "multiplier": "5×",
      "rate": "16.5%",
      "monthlyCap": "7,500 pts / month",
      "dailyCap": "—",
      "note": "Excludes CLiQ Luxury and jewellery."
    },
    {
      "channel": "SmartBuy — Amazon & Flipkart Shopping",
      "multiplier": "3×",
      "rate": "9.9%",
      "monthlyCap": "7,500 pts / month",
      "dailyCap": "—",
      "note": "Must be routed through portal click-out; direct app earns base rate."
    },
    {
      "channel": "Swiggy Dineout via SmartBuy",
      "multiplier": "5×",
      "rate": "16.5%",
      "monthlyCap": "5,000 pts / month",
      "dailyCap": "2 bills / day",
      "note": "Stacks with restaurant's Dineout promotional discounts."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flights & Hotels on SmartBuy",
      "value": "₹1.00 / pt",
      "minPoints": "1,500 pts",
      "ceiling": "₹1.5 Lakh / month",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Air Miles Transfer (12 Airline & Hotel Partners)",
      "value": "₹1.00 / pt (1:1)",
      "minPoints": "5,000 pts",
      "ceiling": "2 Lakh pts / year",
      "fee": "₹99 / transfer",
      "isBest": true
    },
    {
      "route": "Apple & Tanishq Vouchers",
      "value": "₹1.00 / pt",
      "minPoints": "5,000 pts",
      "ceiling": "Points pay max 70% of value",
      "fee": "Nil"
    },
    {
      "route": "Products on SmartBuy Catalog",
      "value": "₹0.50 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Statement Credit (Cashback)",
      "value": "₹0.30 / pt",
      "minPoints": "2,500 pts",
      "ceiling": "None",
      "fee": "Nil"
    },
    {
      "route": "Zomato & Amazon Fresh Vouchers",
      "value": "₹1.00 / pt",
      "minPoints": "1,000 pts",
      "ceiling": "₹2,000 / month",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments — zero reward points, and excluded from the fee waiver calculation.",
    "Wallet loads and prepaid instrument top-ups earn 0%.",
    "Fuel transactions — no points; 1% surcharge refund applies on ₹400–₹5,000 (max ₹1,000/cycle).",
    "Government payments, tax and municipal charges.",
    "EMI conversions, whether at the point of sale or post-purchase.",
    "Cash advances, balance transfers and the finance fees/interest on them.",
    "Gift cards and vouchers purchased outside the SmartBuy portal."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹12,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹12,500 + GST (Waived at ₹10L annual spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges (Revolving Interest)",
      "value": "3.6% / month (43.2% / year)",
      "warn": true
    },
    {
      "item": "Cash Withdrawal Fee",
      "value": "2.5% (minimum ₹500)"
    },
    {
      "item": "Fuel Surcharge Refund",
      "value": "1% on ₹400–₹5,000 (max ₹1,000 / cycle)"
    },
    {
      "item": "Card Replacement",
      "value": "Free"
    },
    {
      "item": "Add-on Cards",
      "value": "Free (Up to 3 cards)"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–60 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹36 Lakhs net annual income, or existing HDFC credit limit >₹8L"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹60 Lakhs per annum"
    },
    {
      "criteria": "Relationship Value",
      "requirement": "Imperia / Preferred Banking relationship often required"
    },
    {
      "criteria": "Annual Retention Hurdle",
      "requirement": "₹18 Lakhs retail spend (excl. rent, fuel, utilities, wallet) OR ₹50 Lakhs Total Relationship Value (RLV)"
    },
    {
      "criteria": "Non-Compliance Action",
      "requirement": "Forced downgrade to Diners Club Black Metal Edition or card closure"
    },
    {
      "criteria": "Issuance Type",
      "requirement": "Primarily invite-only"
    }
  ],
  "timelineEvents": [
    {
      "date": "01 Apr 2026",
      "event": "Strict ₹18L annual retail spend OR ₹50L RLV retention gate introduced with downgrade risk to Diners Black Metal",
      "impactDelta": "Retention Risk",
      "source": "HDFC cardholder communication FY27",
      "isNegative": true
    },
    {
      "date": "01 Feb 2026",
      "event": "SmartBuy flight and hotel redemptions capped at ₹1.5L a month",
      "impactDelta": "−₹48,000 / yr",
      "source": "HDFC terms schedule cl. 7.4",
      "isNegative": true
    },
    {
      "date": "01 Feb 2026",
      "event": "Apple and Tanishq vouchers limited to 70% redemption in points",
      "impactDelta": "−30% value",
      "source": "HDFC terms schedule cl. 7.4",
      "isNegative": true
    },
    {
      "date": "12 Sep 2024",
      "event": "Zomato and Amazon Fresh redemption trimmed to ₹2,000 a month",
      "impactDelta": "−₹36,000 / yr",
      "source": "SmartBuy redemption limits page",
      "isNegative": true
    }
  ],
  "pointsValuation": null
}