HDFC Infinia Metal vs Kotak 811 Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Infinia Metal
HDFC Bank
Super PremiumVS
Kotak 811 Credit Card
Kotak Mahindra Bank
EntryAnnual Fee
₹13K vs ₹500
Effective Rate
(cash value)
1.7% vs 0.2%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Infinia Metal | Kotak 811 Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | ₹0 |
| Annual Fee | ₹13K | ₹500 |
| Fee Waiver | Spend ₹10L annually | Spend ₹50K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.2% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹24.0L | ₹1.8L |
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
Kotak 811 Credit Card is Best For
Entry-level card for Kotak customers
Watch Out
- • Reward point value reduced from ₹0.25 to ₹0.10 in Jun 2025
Our Verdict
Based on overall features and value,
HDFC Infinia Metal wins!
Score: 66vsScore: 14
