HDFC Swiggy vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Swiggy wins 5-4. Heavy Swiggy/Instamart users — 10% on the platform tops anything else. 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 Swiggy | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹500 | · ₹12,500 |
| Joining fee | ₹500 | · ₹12,500 |
| Top reward rate | · 10% (dining) | 33% (travel) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 3-month Swiggy One membership (₹1,499 value) | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹360,000 | · ₹4,000,000 |
| Min credit score | 740 | · 800 |
| Editorial rating | · 4.5/5 | 4.9/5 |
Benefits compared
HDFC Swiggy
- 10% cashback on Swiggy (food, Instamart, Genie, Dineout)
- 5% cashback on online MCC merchants (Amazon, Flipkart, Myntra)
- 1% cashback on other spends
- Cashback auto-credited as Swiggy Money
- 1% fuel surcharge waiver
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 Swiggy vs HDFC Infinia (Metal): which is better?
HDFC Swiggy 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 Swiggy for its best categories, HDFC Infinia (Metal) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Swiggy: 3-month Swiggy One membership (₹1,499 value). HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).