Head-to-head · 🇮🇳 India
HDFC Infinia (Metal) vs ICICI Coral
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 5 of 10
IN
ICICI Bank
ICICI Coral
VISA
Wins 5 of 10
Verdict
It's a true tie, neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | HDFC Infinia (Metal) | ICICI Coral |
|---|---|---|
| Annual fee | · ₹12,500 | ₹500 |
| Joining fee | · ₹12,500 | ₹500 |
| Top reward rate | 3.3% (general) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | 12,500 reward points (offsets joining fee 1:1) | · N/A |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹150,000 / yr |
| Min income | · ₹4,000,000 | ₹240,000 |
| Min credit score | · 800 | 700 |
| Editorial rating | 4.9/5 | · 4.2/5 |
Benefits compared
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
ICICI Coral
- 2 ICICI Bank Reward Points per ₹100 (no points on fuel)
- Milestone: 2,000 reward points at ₹2L spend, +1,000 per additional ₹1L, up to 10,000 per year
- 4 complimentary domestic lounge visits per year
- 15% off at 2,500+ partner restaurants (Culinary Treats)
- 1% fuel surcharge waiver
- Free movie tickets via BookMyShow (buy-1-get-1)
FAQ
›HDFC Infinia (Metal) vs ICICI Coral: which is better?
It's a true tie, pick the one whose boost categories match your spend. HDFC Infinia (Metal) wins on 5 criteria, ICICI Coral on 5.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Infinia (Metal) for its best categories, ICICI Coral for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1). ICICI Coral doesn't list a welcome bonus.