HDFC Infinia goes metal-only, fee waiver spend hurdle jumps 25%
HDFC launched the metal Infinia and killed the plastic variant. The fee is ₹12,500+GST, and the annual-fee waiver threshold rises 25%, from ₹8 lakh to ₹10 lakh of spend.
HDFC finally gave the Infinia the metal card its status deserved — and made you pay for the privilege. The new Metal Edition replaces the PVC Infinia outright; the plastic variant is discontinued, not optional.
Here’s the number that matters: the annual-fee waiver now needs ₹10 lakh of yearly spend, up from ₹8 lakh. That’s a 25% jump in the hurdle to keep a ₹12,500+GST fee off your statement. Nothing about the earn changed in this move — just the weight of the card and the weight of the ask.
This is the classic HDFC trade-off: a genuinely premium upgrade in one hand, a quiet tightening in the other, announced as a single piece of good news.
Our take: if you’re an Infinia holder clearing ₹10 lakh anyway, the metal is a free upgrade and you should enjoy it. If you were coasting at ₹8-9 lakh to dodge the fee, HDFC just repriced your loyalty — do the math before renewal, not after.