HDFC Infinia Metal vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
HDFC Infinia Metal
HDFC Bank
Super PremiumVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-RangeAnnual Fee
₹13K vs FREE
Effective Rate
(cash value)
1.7% vs 0.8%
Lounge Access
Unlimited vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | HDFC Infinia Metal | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | FREE |
| Annual Fee | ₹13K | FREE |
| Fee Waiver | Spend ₹10L annually | None |
| Forex Markup | 2% | 1.99% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.75% |
Lounge Access | ||
| Domestic Lounges | Unlimited | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹24.0L | ₹12.0L |
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
HDFC Infinia Metal wins!
Score: 66vsScore: 41
