HDFC Infinia (Metal) vs IndusInd Iconia Amex
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
EXPRESS
IndusInd Iconia Amex wins 5-4. Mid-premium Amex with annual-fee waiver from year 2. 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) | IndusInd Iconia Amex |
|---|---|---|
| Annual fee | · ₹12,500 | No annual fee |
| Joining fee | · ₹12,500 | ₹3,500 |
| Top reward rate | 33% (travel) | · 5% (shopping) |
| Base reward rate | 3.3% | · 1.5% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 4,000 reward points + Yatra voucher |
| Fee waiver threshold | · ₹1,000,000 / yr | N/A (no fee) |
| Min income | · ₹4,000,000 | ₹600,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.9/5 | · 4.2/5 |
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
IndusInd Iconia Amex
- 10 reward points per ₹100 on weekend dining + grocery
- 4 international + 8 domestic lounge visits/year
- Annual fee waived from year 2 (lifetime)
- 1% fuel surcharge waiver
- Buy-1-get-1 BookMyShow
FAQ
›HDFC Infinia (Metal) vs IndusInd Iconia Amex: which is better?
IndusInd Iconia Amex 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, IndusInd Iconia Amex 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). IndusInd Iconia Amex: 4,000 reward points + Yatra voucher.