Head-to-head · 🇮🇳 India
HDFC Infinia (Metal) vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 0 of 10
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 0 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) | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | = ₹12,500 | = ₹12,500 |
| Joining fee | = ₹12,500 | = ₹12,500 |
| Top reward rate | = 33% (travel) | = 33% (travel) |
| Base reward rate | = 3.3% | = 3.3% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | = ₹1,000,000 / yr | = ₹1,000,000 / yr |
| Min income | = ₹4,000,000 | = ₹4,000,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | = 4.9/5 | = 4.9/5 |
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
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
›HDFC Infinia (Metal) vs HDFC Infinia (Metal): which is better?
It's a true tie — pick the one whose boost categories match your spend. HDFC Infinia (Metal) wins on 0 criteria, HDFC Infinia (Metal) on 0.
›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, HDFC Infinia (Metal) 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). HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).