HDFC Infinia (Metal) vs HDFC Swiggy
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Swiggy wins 5-4. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. 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 Swiggy |
|---|---|---|
| Annual fee | · ₹12,500 | ₹500 |
| Joining fee | · ₹12,500 | ₹500 |
| Top reward rate | 33% (travel) | · 10% (dining) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 3-month Swiggy One membership (₹1,499 value) |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹200,000 / yr |
| Min income | · ₹4,000,000 | ₹360,000 |
| Min credit score | · 800 | 740 |
| 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 Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
FAQ
›HDFC Infinia (Metal) vs HDFC Swiggy: which is better?
HDFC Swiggy 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 Swiggy 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 Swiggy: 3-month Swiggy One membership (₹1,499 value).