Head-to-head · 🇮🇳 India
HDFC Infinia (Metal) vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 4 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
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% | = 1.99% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹4,000,000 | ₹300,000 |
| Min credit score | · 800 | 730 |
| Editorial rating | 4.9/5 | · 4.3/5 |
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
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›HDFC Infinia (Metal) vs AU Bank LIT: which is better?
It's a true tie — pick the one whose boost categories match your spend. HDFC Infinia (Metal) wins on 4 criteria, AU Bank LIT on 4.
›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 card features (toggle benefits on/off).