Amazon Pay ICICI vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Infinia (Metal) wins 5-4. Top-tier travelers — invitation-only, the apex of HDFC reward redemption. Amazon Pay ICICI is still the right call if heavy amazon shoppers — best free card in india.
Side-by-side
| Criterion | Amazon Pay ICICI | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | No annual fee | · ₹12,500 |
| Joining fee | None | · ₹12,500 |
| Top reward rate | · 5% (shopping) | 33% (travel) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | · N/A (no fee) | ₹1,000,000 / yr |
| Min income | ₹300,000 | · ₹4,000,000 |
| Min credit score | 720 | · 800 |
| Editorial rating | · 4.7/5 | 4.9/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
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
›Amazon Pay ICICI vs HDFC Infinia (Metal): which is better?
HDFC Infinia (Metal) 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 Amazon Pay ICICI 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?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).