HDFC Infinia (Metal) vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Infinia (Metal) wins 5-4. Top-tier travelers, invitation-only, the apex of HDFC reward redemption. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | HDFC Infinia (Metal) | Kotak White |
|---|---|---|
| Annual fee | · ₹12,500 | ₹3,000 |
| Joining fee | · ₹12,500 | ₹3,000 |
| Top reward rate | 3.3% (general) | · Milestone |
| Base reward rate | 3.3% | · Milestone |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹500,000 / yr |
| Min income | · ₹4,000,000 | ₹2,500,000 |
| Min credit score | 800 | · N/A |
| Editorial rating | 4.9/5 | · 4.3/5 |
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
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›HDFC Infinia (Metal) vs Kotak White: which is better?
HDFC Infinia (Metal) wins on more dimensions (5 vs 4). 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, Kotak White 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). Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.