HDFC Infinia (Metal) vs ICICI HPCL Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI HPCL Coral wins 5-4. Fuel-heavy spenders at HPCL pumps. 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) | ICICI HPCL Coral |
|---|---|---|
| Annual fee | · ₹12,500 | ₹199 |
| Joining fee | · ₹12,500 | ₹199 |
| Top reward rate | 33% (travel) | · 5% (fuel) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 2,000 PAYBACK points on first transaction |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹50,000 / yr |
| Min income | · ₹4,000,000 | ₹250,000 |
| Min credit score | · 800 | 720 |
| Editorial rating | 4.9/5 | · 4/5 |
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
ICICI HPCL Coral
- 5% cashback on HPCL fuel
- 4% on grocery + dining
- 2.5% on utility bills via DragonPass
- 1% fuel surcharge waiver
- 2 domestic lounge visits/year
FAQ
›HDFC Infinia (Metal) vs ICICI HPCL Coral: which is better?
ICICI HPCL Coral 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, ICICI HPCL Coral 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). ICICI HPCL Coral: 2,000 PAYBACK points on first transaction.