HDFC Infinia (Metal) vs ICICI Rubyx
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Rubyx wins 5-4. Step up from Coral — adds dual-network and milestone rewards. 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 Rubyx |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,000 |
| Joining fee | · ₹12,500 | ₹3,000 |
| Top reward rate | 33% (travel) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 5,000 PAYBACK points + Tata CLiQ voucher |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹350,000 / yr |
| Min income | · ₹4,000,000 | ₹600,000 |
| Min credit score | · 800 | 760 |
| 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 Rubyx
- Dual-network (Visa + Amex one card)
- 4 international + 6 domestic lounge visits/year
- 15% off Culinary Treats
- 25% off movie tickets
- Comprehensive insurance
FAQ
›HDFC Infinia (Metal) vs ICICI Rubyx: which is better?
ICICI Rubyx 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 Rubyx 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 Rubyx: 5,000 PAYBACK points + Tata CLiQ voucher.