HDFC Bank INFINIA Metal Edition Credit Card
Points
HDFC Bank INFINIA Metal Edition Credit Card
HDFC Bank - Visa - Credit card
4.2
4.2 out of 5
8.4/10
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Head-to-head
HDFC Bank INFINIA Metal Edition Credit Card vs IRCTC HDFC Bank Credit Card
Compare HDFC Bank INFINIA Metal Edition Credit Card and IRCTC HDFC Bank Credit Card side by side: fees, rewards, APR, and perks.
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IRCTC HDFC Bank Credit Card
Points
IRCTC HDFC Bank Credit Card
HDFC Bank - Visa - Credit card
3.9
3.9 out of 5
7.8/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | HDFC Bank INFINIA Metal Edition Credit Card | IRCTC HDFC Bank Credit Card |
|---|---|---|
| Card fee | ₹12,500 INR/yr (≈ $150) | ₹500 INR/yr (≈ $6) |
| Purchase APR (from) | 23.88% | 45% |
| Interest-free period | 50 days | 50 days |
| Foreign transaction fee | 2% | 3.5% |
| Rewards | 5 Reward Points per ₹150 spent; up to 3.33% value-back on SmartBuy flights/hotels (1 RP = ₹1); 10x points on SmartBuy | 5 Reward Points per ₹100 on IRCTC website/Rail Connect app; 1 Reward Point per ₹100 on all other spends; 5% cashback on IRCTC tickets via HDFC SmartBuy; 1 RP = ₹1 |
| Installments | Up to 24 months EMI post-purchase | - |
| No card fee | - | - |
| No foreign transaction fee | - | - |
| Welcome bonus | ||
| Airport lounge access | ||
| Travel insurance | - | |
| Apple Pay / Google Pay | - | - |
Which is right for you
Pick by how you spend
- Choose the HDFC Bank INFINIA Metal Edition Credit Card if its checked rows above line up with how you spend most.
- Choose the IRCTC HDFC Bank Credit Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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