ICICI Coral vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
ICICI Coral wins 5-4. Entry-tier card — easy approval, decent base earning, low fee. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | ICICI Coral | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹500 | · ₹12,500 |
| Joining fee | ₹500 | · ₹12,500 |
| Top reward rate | · 1% (general) | 33% (travel) |
| Base reward rate | · 1% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 2,000 PAYBACK points on first 60-day spend | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹150,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹240,000 | · ₹4,000,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 4.2/5 | 4.9/5 |
Benefits compared
ICICI Coral
- 2 PAYBACK points per ₹100
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
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
›ICICI Coral vs HDFC Infinia (Metal): which is better?
ICICI Coral 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 ICICI Coral 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?
ICICI Coral: 2,000 PAYBACK points on first 60-day spend. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).