HDFC Infinia (Metal) vs HDFC MoneyBack+
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC MoneyBack+ wins 5-4. Entry-level cashback with very low waiver bar. 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 MoneyBack+ |
|---|---|---|
| Annual fee | · ₹12,500 | ₹500 |
| Joining fee | · ₹12,500 | ₹500 |
| Top reward rate | 33% (travel) | · 5% (shopping) |
| Base reward rate | 3.3% | · 2% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 500 CashPoints on first transaction |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹50,000 / yr |
| Min income | · ₹4,000,000 | ₹240,000 |
| Min credit score | · 800 | 720 |
| Editorial rating | 4.9/5 | · 4.1/5 |
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 MoneyBack+
- 5% on Amazon, Flipkart, Big Basket, Reliance Smart Bazaar (capped ₹1K/month)
- 2% on EMI transactions
- 1 fuel surcharge waiver
- Quarterly milestone vouchers
FAQ
›HDFC Infinia (Metal) vs HDFC MoneyBack+: which is better?
HDFC MoneyBack+ 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, HDFC MoneyBack+ 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 MoneyBack+: 500 CashPoints on first transaction.