HDFC Millennia vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Millennia wins 5-4. Online shoppers spending ₹15K–50K/month 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 Millennia | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹1,000 | · ₹12,500 |
| Joining fee | ₹1,000 | · ₹12,500 |
| Top reward rate | · 5% (shopping) | 33% (travel) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 1,000 CashPoints on ₹1,000 spend in first 90 days | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹420,000 | · ₹4,000,000 |
| Min credit score | 750 | · 800 |
| Editorial rating | · 4.6/5 | 4.9/5 |
Benefits compared
HDFC Millennia
- 5% cashback on Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber
- 1% cashback on all other retail spends
- 8 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver (₹400 cap/month)
- Up to 20% off on partner restaurants via Smart EMI
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
FAQ
›HDFC Millennia vs HDFC Infinia (Metal): which is better?
HDFC Millennia 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 Millennia for online shopping, HDFC Infinia (Metal) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Millennia: 1,000 CashPoints on ₹1,000 spend in first 90 days. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).