HDFC Infinia (Metal) vs IDFC FIRST Wealth
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wealth wins 5-4. Lifetime-free premium, best zero-fee card in India. 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 Wealth |
|---|---|---|
| Annual fee | · ₹12,500 | No annual fee |
| Joining fee | · ₹12,500 | None |
| Top reward rate | 3.3% (general) | · 3% (general) |
| Base reward rate | 3.3% | · 3% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = ₹500 gift voucher on ₹5,000 spend within 30 days of card generation |
| Fee waiver threshold | ₹1,000,000 / yr | · N/A (no fee) |
| Min income | · ₹4,000,000 | ₹3,600,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.9/5 | · 4.7/5 |
Benefits compared
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott membership
- Concierge 24x7
- 2% forex markup
IDFC FIRST Wealth
- 3X reward points on eligible spends; 10X on dining and travel from the first eligible transaction
- 1 domestic + 1 international airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month
- 1% fuel surcharge waiver
- Zero forex markup on international transactions
- Lifetime free, no annual fee, no fee-waiver math
FAQ
›HDFC Infinia (Metal) vs IDFC FIRST Wealth: which is better?
IDFC FIRST Wealth wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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 Wealth 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 Wealth: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation.