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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
HDFC
World Elite
•••• •••• •••• 0000
Infinia
HDFC Bank • MasterCard• World
Annual Fee
Free
Base Reward Rate
3.33%
Foreign Tx Fee
2.36%
Tier
World
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
Unlimited domestic lounge access via Visa/Mastercard Lounge Program.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹19,598
Blended 3.14% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
HDFC's flagship metal card. ₹12,500+GST joining/annual, waived on ₹10L+ anniversary spend. 5 RP/₹150 base (1 RP ≈ ₹1 via SmartBuy = 3.3%). 10X on SmartBuy hotels (33%) + 5X on SmartBuy flights (16.5%) — each capped 15,000 RP/month. Monthly base cap 2L RP/cycle. Unlimited domestic + international lounges. 24×7 global concierge. Welcome 12,500 RP. Excluded: EMI, Tax, Fuel, Rent, Wallet. | AUDIT 2026-05-28: per sources, **discontinued for new applicants** (invite-only — existing holders retain benefits). **Global Value Program:** 1% extra cashback on international txns, cap ₹1,000/cycle (in addition to base 5 RP/₹150 on intl).
✓ No activation spend required — access is unconditional.
Unlimited international lounge access via Priority Pass. PP membership included for primary + add-on.
Excluded categories