HDFC Infinia (Metal) vs ICICI MMT Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI MMT Signature wins 5-4. MakeMyTrip loyalists — co-branded with strong travel benefits. 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 MMT Signature |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,500 |
| Joining fee | · ₹12,500 | ₹2,500 |
| Top reward rate | 33% (travel) | · 6% (travel) |
| Base reward rate | 3.3% | · 1.5% |
| Forex markup | 1.99% | · 2.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = ₹2,500 MMT Black holidays voucher |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹600,000 / yr |
| Min income | · ₹4,000,000 | ₹800,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.9/5 | · 4.4/5 |
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 MMT Signature
- 6% myCash on flight + hotel bookings via MMT
- 3% myCash on dining + grocery
- 1.5% on others
- 4 international + 4 domestic lounge visits/year
- MMT Black membership
FAQ
›HDFC Infinia (Metal) vs ICICI MMT Signature: which is better?
ICICI MMT Signature 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 MMT Signature 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 MMT Signature: ₹2,500 MMT Black holidays voucher.