AU Bank Zenith vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank Zenith wins 5-4. Underrated mid-premium — punches above its fee tier. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | AU Bank Zenith | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹7,500 | · ₹12,500 |
| Joining fee | ₹7,500 | · ₹12,500 |
| Top reward rate | · 10% (travel) | 33% (travel) |
| Base reward rate | · 2% | 3.3% |
| Forex markup | · 2% | 1.99% |
| Welcome bonus | = 7,500 reward points + Vistara Premium Economy ticket | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹800,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹1,200,000 | · ₹4,000,000 |
| Min credit score | 780 | · 800 |
| Editorial rating | · 4.4/5 | 4.9/5 |
Benefits compared
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
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 Zenith vs HDFC Infinia (Metal): which is better?
AU Bank Zenith 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 Zenith 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 Zenith: 7,500 reward points + Vistara Premium Economy ticket. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).