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HDFC Bank INFINIA Metal Credit Card VS YES FIRST Business 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: 30 June 2026

Both HDFC Bank INFINIA Metal Credit Card and YES FIRST Business Credit Card suit travel-focused spenders, but they earn and cost differently. 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. YES FIRST Business Credit Card costs ₹999 + GST and earns 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month. HDFC Bank INFINIA Metal Credit Card also brings unlimited complimentary airport lounge access in India for primary and add-on cardholders, while YES FIRST Business Credit Card counters with 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend. If premium spending matters more, go with HDFC Bank INFINIA Metal Credit Card; if business is the priority, YES FIRST Business Credit Card fits better.

HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹999 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹999 + GST
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
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 Redemption FeeNil
Reward Redemption Fee₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Movie BenefitsNot Applicable
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
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.

HDFC Bank INFINIA Metal Credit Card

YES FIRST Business 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 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.

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.

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.

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.

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 HDFC Bank INFINIA Metal Credit Card(opens in new tab)Apply for YES FIRST Business Credit Card(opens in new tab)