HDFC Infinia (Metal) vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Select wins 5-3. Lifetime-free with surprisingly strong reward earn rates. HDFC Infinia (Metal) is still the right call if top-tier travelers, invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | HDFC Infinia (Metal) | IDFC FIRST Select |
|---|---|---|
| Annual fee | · ₹12,500 | No annual fee |
| Joining fee | · ₹12,500 | None |
| Top reward rate | · 3.3% (general) | 10% (shopping) |
| Base reward rate | 3.3% | · 3% |
| Forex markup | = 2% | = N/A |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 600 reward points on ₹15K spend in first 90 days |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹4,000,000 | ₹600,000 |
| Min credit score | · 800 | 750 |
| Editorial rating | 4.9/5 | · 4.5/5 |
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
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free, no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
FAQ
›HDFC Infinia (Metal) vs IDFC FIRST Select: which is better?
IDFC FIRST Select wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›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, IDFC FIRST Select 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). IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days.