Kotak White Reserve vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Kotak White Reserve wins 5-3. Premium dining + travel without breaking the ₹3K-fee tier. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | Kotak White Reserve | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹3,000 | · ₹12,500 |
| Joining fee | ₹3,000 | · ₹12,500 |
| Top reward rate | · 4% (dining) | 33% (travel) |
| Base reward rate | · 1.5% | 3.3% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 5,000 reward points + Marriott Bonvoy Silver Elite | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹600,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹1,800,000 | · ₹4,000,000 |
| Min credit score | 780 | · 800 |
| Editorial rating | · 4.6/5 | 4.9/5 |
Benefits compared
Kotak White Reserve
- 4 reward points/₹100 on dining + travel
- 6 international Priority Pass visits/year
- 24 domestic lounge visits/year (DragonPass)
- Marriott Bonvoy Silver Elite included
- 1.99% forex markup
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
›Kotak White Reserve vs HDFC Infinia (Metal): which is better?
Kotak White Reserve wins on more dimensions (5 vs 3). 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 Kotak White Reserve 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?
Kotak White Reserve: 5,000 reward points + Marriott Bonvoy Silver Elite. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).