AU Bank LIT vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Infinia (Metal) wins 5-4. Top-tier travelers — invitation-only, the apex of HDFC reward redemption. AU Bank LIT is still the right call if pick-your-own-categories — toggle 5x on the categories you spend in..
Side-by-side
| Criterion | AU Bank LIT | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | No annual fee | · ₹12,500 |
| Joining fee | None | · ₹12,500 |
| Top reward rate | · 1% (general) | 33% (travel) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable category boosts at sign-up | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | · N/A (no fee) | ₹1,000,000 / yr |
| Min income | ₹360,000 | · ₹4,000,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4.4/5 | 4.9/5 |
Benefits compared
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott + Club Vistara Gold
- Concierge 24x7
- 2% forex markup
FAQ
›AU Bank LIT vs HDFC Infinia (Metal): which is better?
HDFC Infinia (Metal) wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use AU Bank LIT for its best categories, HDFC Infinia (Metal) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank LIT: Customizable category boosts at sign-up. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).