HDFC Infinia (Metal) vs AU Bank LIT
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 | HDFC Infinia (Metal) | AU Bank LIT |
|---|---|---|
| Annual fee | · ₹12,500 | No annual fee |
| Joining fee | · ₹12,500 | None |
| Top reward rate | 33% (travel) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = Customizable category boosts at sign-up |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹4,000,000 | ₹360,000 |
| Min credit score | · 800 | 720 |
| Editorial rating | 4.9/5 | · 4.4/5 |
Benefits compared
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
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
FAQ
›HDFC Infinia (Metal) vs AU Bank LIT: 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 HDFC Infinia (Metal) for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1). AU Bank LIT: Customizable category boosts at sign-up.