HDFC Bank Infinia Credit Card Vs. HDFC Infinia Credit Card Metal Edition

HDFC Bank Infinia Credit Card

HDFC Bank Infinia Credit Card

HDFC Infinia Credit Card Metal Edition

HDFC Infinia Credit Card Metal Edition

Comparison of HDFC Bank Infinia Credit Card and HDFC Infinia Credit Card Metal Edition

Feature	HDFC Bank Infinia Credit Card	HDFC Infinia Credit Card Metal Edition
Annual Fee	₹12,500 + GST	₹12,500 + GST
Joining Fee	₹12,500 + GST	₹12,500 + GST
Welcome Benefits	Receive complimentary Club Marriott membership for the first year	12,500 bonus reward points on joining and renewal fee payment (value: ₹12,500 when redeemed optimally).
Interest Rate (APR)	N/A	N/A
Foreign Currency Markup	2% of transaction value	2%
Key Highlights	•Premium Lounge Access •Accelerated Rewards •Exceptional Redemption •Luxury Memberships •Annual Fee Waiver	•Super-Premium Rewards •Welcome & Renewal Bonus •Premium Redemption •Unlimited Lounge Access •Fee Waiver
Dos	Use HDFC SmartBuy portal for travel bookings to earn 10X points Redeem points at 1:1 ratio for flights and hotels for maximum value Utilise unlimited lounge access during all domestic and international travels Leverage hotel benefits like ITC's book 3 pay 2 and Club Marriott privileges Use the card for all international transactions to benefit from 2% markup	Book all flights and hotels through SmartBuy to earn 10X rewards (33.3% return) Redeem points at 1:1 ratio for travel, Apple products, Tanishq, or air miles for maximum value Spend ₹10 lakh annually to get automatic fee waiver Utilize unlimited lounge access for primary and add-on cardholders Transfer points to airline partners at 1:1 ratio for premium flight redemptions
Don'ts	Avoid spending beyond financial capacity just to reach fee waiver milestones Do not redeem points for low-value options when premium redemption is available Ignore the comprehensive insurance coverage; understand the benefits fully Share card details, CVV, PIN, or OTP with anyone under any circumstances Use the card for cash withdrawals unless absolutely necessary due to charges	Don't book travel on other platforms; you'll miss out on 10X SmartBuy rewards Don't redeem for cashback (₹0.30/point) or regular vouchers (₹0.50/point) Avoid using for fuel purchases; no rewards earned Don't load wallets or pay rent via third-party apps; no rewards Avoid missing the 70-30 redemption rule; pay 30% by card to earn points

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