HDFC IndianOil Credit Card vs HDFC Infinia Metal
Detailed comparison of these two popular credit cards
HDFC IndianOil Credit Card
HDFC Bank
Mid-RangeVS
Winner
HDFC Infinia Metal
HDFC Bank
Super Premium*
Different Reward Types
Card 1 gives ⛽ Fuel Points while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
₹500 vs ₹13K
Effective Rate
(cash value)
5.0% vs 1.7%
Lounge Access
None vs Unlimited
Detailed Comparison
| Feature | HDFC IndianOil Credit Card | HDFC Infinia Metal |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹500 | ₹13K |
| Annual Fee | ₹500 | ₹13K |
| Fee Waiver | Spend ₹50K annually | Spend ₹10L annually |
| Forex Markup | - | 2% |
Rewards | ||
| Reward Type | ⛽Fuel Points | ⭐Reward Points |
| Effective Cash Value | 5% | 1.67% |
Lounge Access | ||
| Domestic Lounges | None | Unlimited |
| Priority Pass | - | Yes |
Eligibility | ||
| Min. Income | ₹3.0L | ₹24.0L |
HDFC IndianOil Credit Card is Best For
IndianOil loyalists spending ₹5K/month on fuel
Watch Out
- • Only works at IndianOil pumps
- • Max benefit ₹250/month (effective ~0.5% on ₹50K fuel spend)
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: 64vsScore: 66
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