Head-to-head · 🇮🇳 India
HDFC Infinia (Metal) vs IndusInd Tiger
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 4 of 10
IN
Premium
IndusInd Bank
IndusInd Tiger
VISA
Wins 4 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Infinia (Metal) | IndusInd Tiger |
|---|---|---|
| Annual fee | · ₹12,500 | No annual fee |
| Joining fee | ₹12,500 | · ₹50,000 |
| Top reward rate | 33% (travel) | · 4% (general) |
| Base reward rate | · 3.3% | 4% |
| Forex markup | · 1.99% | 1.8% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 50,000 reward points + Taj Inner Circle Reflections membership |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹4,000,000 | ₹3,500,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | 4.9/5 | · 4.6/5 |
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 Tiger
- 4 reward points per ₹100 on all spends
- Unlimited domestic + international lounge access (self + guest)
- Annual fee-free for life
- Taj InnerCircle Reflections membership
- Concierge 24x7
- 1.8% forex markup
FAQ
›HDFC Infinia (Metal) vs IndusInd Tiger: which is better?
It's a true tie — pick the one whose boost categories match your spend. HDFC Infinia (Metal) wins on 4 criteria, IndusInd Tiger on 4.
›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 Tiger 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 Tiger: 50,000 reward points + Taj Inner Circle Reflections membership.