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HDFC Bank INFINIA Metal Credit Card VS IDFC First Private Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 25 July 2026

Both IDFC First Private Credit Card and HDFC Bank INFINIA Metal Credit Card suit travel-focused spenders, but they earn and cost differently. IDFC First Private Credit Card costs ₹50,000 + GST and earns 10X RPs on domestic & birthday spends, 5X on international, 6X/3X on online/in-store. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. IDFC First Private Credit Card also brings unlimited domestic airport lounge access for cardholders, 4 guest visits/year & unlimited railway lounge, while HDFC Bank INFINIA Metal Credit Card counters with unlimited complimentary airport lounge access in India for primary and add-on cardholders. If international spends spending matters more, go with IDFC First Private Credit Card; if premium is the priority, HDFC Bank INFINIA Metal Credit Card fits better.

HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
IDFC First Private Credit Card
IDFC First Private Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹50,000 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹25,000 + GST
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based Waiver
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction FeesZero
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)0.75% per month (9% annually).

Rewards & Benefits

Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome Bonus50,000 bonus Reward Points (up to ₹50,000) & complimentary Club ITC Culinaire membership.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards RateEarn 10X RPs on domestic & birthday spends, 5X on international, 6X/3X on online/in-store.
Reward TypeReward Points
Reward TypeReward Points, Other Benefits
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge AccessUnlimited domestic airport lounge access for cardholders, 4 guest visits/year & unlimited railway lounge.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge AccessUnlimited international airport lounge access worldwide for primary and add-on cardholders.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel BenefitsTrip cancellation cover, Meet & Greet, airport transfer discounts, luxury hotel benefits & ITC offers.
Movie Benefits
Movie BenefitsUp to ₹1,500 discount on movie/events monthly & up to ₹750 discount on BookMyShow twice monthly.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsDine with Visa access & Taj Epicure Membership with 25% off on F&B at Taj Hotels.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf BenefitsUnlimited complimentary golf rounds/lessons monthly in India & 1 complimentary international round/quarter.
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-₹5,000 (no maximum cap).

Security & Other

Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance Benefits₹1 Cr Air Accident, USD 500 baggage loss, ₹50k trip cancellation, RSA & ₹50k zero card liability.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance ChargesZero charges across the globe.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank INFINIA Metal Credit Card

IDFC First Private Credit Card

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 Private Credit Card is a super-premium, invite-only credit card targeted at high-net-worth individuals. It offers unlimited complimentary airport lounge access, a zero foreign currency markup fee, and a unique Karma Points program for charity donations. With extensive benefits across travel, entertainment, and lifestyle, it's ideal for ultra-high-net-worth individuals who frequently travel internationally and value exclusive perks.

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.

Contribute to society via Karma Points donations to chosen charities.

Enjoy zero foreign currency markup, perfect for global transactions.

Unlimited domestic & international lounge access for cardholders & guests.

Comprehensive insurance benefits, including ₹1 Cr air accident cover.

No late payment, over-limit, or cash advance charges, ensuring peace of mind.

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.

Significantly high joining and annual fees, suitable for high spenders only.

Invite-only card with no public eligibility criteria, limiting access.

Spend-based waiver for annual fee has been discontinued from July 2026.

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 HDFC Bank INFINIA Metal Credit Card(opens in new tab)Apply for IDFC First Private Credit Card(opens in new tab)