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CheQ AU Credit Card VS HDFC Bank INFINIA Metal Credit Card VS IDFC FIRST Wealth Credit Card VS YES FIRST Business Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 22 July 2026
CheQ AU Credit Card
CheQ AU Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
IDFC FIRST Wealth Credit Card
IDFC FIRST Wealth Credit Card
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹12,500 + GST
Joining FeeLifetime Free
Joining Fee₹999 + GST
Renewal FeeLifetime Free
Renewal Fee₹12,500 + GST
Renewal FeeLifetime Free
Renewal Fee₹999 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based WaiverNot Applicable
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees3.49% on all foreign currency transactions.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction Fees1.5% (+ GST) on international transactions.
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)3.75% per month (45% per annum) on revolving credit and cash advances.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)Dynamic interest rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome BonusThe card is marketed as Lifetime FREE, meaning no joining fee and no annual fee for the standard variant. An optional upgrade to the LED Credit Card incurs a one-time issuance fee of ₹999 + GST
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome Bonus₹500 gift voucher on spending ₹5,000 and 5% cashback (up to ₹1,000) on the first EMI transaction.
Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards RateUp to 12% on select brands; 5% on other online spends; 2.5% on CheQ UPI; 1% on all other transactions.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards Rate10X points on spends above ₹20,000 and birthdays; 3X points on other spends; 1 point = ₹0.25.
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNo rewards redemption fee.
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption transaction.
Reward Redemption Fee₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge AccessNot available on the CheQ AU Credit Card.
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge Access2 complimentary domestic lounge visits per quarter (subject to ₹20,000 monthly spend).
Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge AccessNot available on the CheQ AU Credit Card.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge Access2 complimentary international lounge visits per quarter (subject to ₹20,000 monthly spend).
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel BenefitsEarn 12% rewards on CheQ Travel (flights & hotels) and 5% on other travel spends. Redeem points for flights/hotels.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel Benefits1.5% forex markup, trip cancellation cover, limousine discounts, and airport meet & greet service.
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Movie Benefits
Movie BenefitsBuy-One-Get-One (BOGO) offer via District app, up to ₹250 off per ticket, twice per month.
Movie BenefitsNot Applicable
Dining Benefits
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsUp to 20% discount at 1,500+ restaurants and priority access via Visa Infinite privileges.
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf Benefits
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf BenefitsUp to 2 complimentary golf rounds or lessons monthly upon spending over ₹20,000 in a cycle.
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver1% fuel surcharge waiver up to ₹150 on fuel spends.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions between ₹200 and ₹5,000 (capped at ₹400 per month).
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance Benefits₹1 Crore air accident cover, ₹10 Lakh personal accident cover, and USD 1,200 travel insurance.
Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges2.5% of the withdrawn amount, or ₹500, whichever is higher.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance Charges₹199 + GST per transaction with 0% interest for up to 45 days.
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

CheQ AU Credit Card

HDFC Bank INFINIA Metal Credit Card

IDFC FIRST Wealth Credit Card

YES FIRST Business Credit Card

Who is it for?

The CheQ AU Credit Card is India’s first LED-enabled credit card, offering a unique visual experience and strong rewards. It provides up to 12% rewards on popular brands, 2.5% on CheQ UPI, and 1% on other spends. Marketed as lifetime free for the standard variant, it also offers the convenience of two cards (Visa LED and RuPay) with a single application. This card is ideal for those seeking high reward rates, unique features, and convenient digital banking for everyday online shopping, food delivery, travel, and utility payments.

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Who is it for?

The IDFC FIRST Wealth Credit Card is a premium lifetime-free card offering a unique dynamic interest rate starting at 8.5% and a low 1.5% forex markup. It features comprehensive luxury benefits including global lounge access, complimentary golf, and a robust reward program with points that never expire, making it an ideal choice for high-income earners seeking lifestyle and travel privileges.

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

Pros

Key benefits and features.

India's first LED-enabled credit card offers a unique and visually engaging payment experience.

High reward rates up to 12% on popular brands and categories like shopping, travel, and utilities.

Lifetime free for the standard variant, making it an attractive option with no annual fees.

Receive both a Visa (LED) and RuPay card with a single application, offering great versatility.

Uncapped base rewards ensure continuous earning even after reaching accelerated rewards limits.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Pros

Key benefits and features.

Lifetime-free credit card with no joining or annual membership charges forever.

Extremely low foreign currency markup of 1.5% for international transactions.

Interest-free cash withdrawals for up to 45 days providing excellent liquidity.

Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.

Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.

Pros

Key benefits and features.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

Cons

Key drawbacks and limitations.

Accelerated rewards are capped at 12,000 CheQ points per month, limiting high spenders.

Rewards are not applicable on several categories like fuel, education, gold, and rent payments.

Optional LED card incurs a one-time issuance fee of ₹999 + GST, which is an additional cost.

Interest rate on revolving credit is high at 3.75% per month (45% per annum), typical of the category.

No domestic or international airport lounge access on this card.

Applications for the LED card open only from April 28, 2026, indicating a future availability.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

Cons

Key drawbacks and limitations.

Low monetary value for reward points fixed at a base rate of ₹0.25 per point.

Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.

High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.

Cons

Key drawbacks and limitations.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for CheQ AU Credit Card(opens in new tab)Apply for HDFC Bank INFINIA Metal Credit Card(opens in new tab)Apply for IDFC FIRST Wealth Credit Card(opens in new tab)Apply for YES FIRST Business Credit Card(opens in new tab)