HDFC Infinia (Metal) vs HDFC Marriott Bonvoy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Marriott Bonvoy wins 5-3. Marriott loyalists — every ₹150 = 8 Bonvoy points on Marriott + 2 elsewhere. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | HDFC Infinia (Metal) | HDFC Marriott Bonvoy |
|---|---|---|
| Annual fee | · ₹12,500 | ₹3,000 |
| Joining fee | · ₹12,500 | ₹3,000 |
| Top reward rate | 33% (travel) | · 8% (travel) |
| Base reward rate | 3.3% | · 2% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹800,000 / yr |
| Min income | · ₹4,000,000 | ₹1,500,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.9/5 | · 4.5/5 |
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 Marriott Bonvoy
- 8 Bonvoy points per ₹150 on Marriott
- 4 Bonvoy points per ₹150 on travel + dining
- 2 Bonvoy points per ₹150 on everything else
- 1 free night annually at Marriott (up to 15K Bonvoy point value)
- Marriott Bonvoy Silver Elite status (15 elite night credits)
- 8 international + 8 domestic lounge visits/year
FAQ
›HDFC Infinia (Metal) vs HDFC Marriott Bonvoy: which is better?
HDFC Marriott Bonvoy wins on more dimensions (5 vs 3). 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, HDFC Marriott Bonvoy 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 Marriott Bonvoy: 1 free night at any Marriott property + Marriott Bonvoy Silver Elite status.