Amex Membership Rewards Card vs HDFC Infinia Metal
Detailed comparison of these two popular credit cards
Amex Membership Rewards Card
American Express
Mid-RangeVS
Winner
HDFC Infinia Metal
HDFC Bank
Super PremiumAnnual Fee
₹5K vs ₹13K
Effective Rate
(cash value)
0.7% vs 1.7%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | Amex Membership Rewards Card | HDFC Infinia Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹13K |
| Annual Fee | ₹5K | ₹13K |
| Fee Waiver | None | Spend ₹10L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 0.7% | 1.67% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹6.0L | ₹24.0L |
Amex Membership Rewards Card is Best For
Regular spenders making 4+ transactions/month
Watch Out
- • Fuel excluded from Jun 2025
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
Our Verdict
Based on overall features and value,
HDFC Infinia Metal wins!
Score: 21vsScore: 66
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