IDFC FIRST Wealth vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wealth wins 5-4. Lifetime-free premium — best zero-fee card in India. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | IDFC FIRST Wealth | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | No annual fee | · ₹12,500 |
| Joining fee | None | · ₹12,500 |
| Top reward rate | · 3% (general) | 33% (travel) |
| Base reward rate | · 3% | 3.3% |
| Forex markup | 1.5% | · 1.99% |
| Welcome bonus | = 5,000 reward points on first 90-day spend | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | · N/A (no fee) | ₹1,000,000 / yr |
| Min income | ₹1,200,000 | · ₹4,000,000 |
| Min credit score | 770 | · 800 |
| Editorial rating | · 4.7/5 | 4.9/5 |
Benefits compared
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
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
›IDFC FIRST Wealth vs HDFC Infinia (Metal): which is better?
IDFC FIRST Wealth 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 IDFC FIRST Wealth 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?
IDFC FIRST Wealth: 5,000 reward points on first 90-day spend. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).