HDFC Infinia Metal vs Kotak IndianOil Credit Card
Detailed comparison of these two popular credit cards
Winner
HDFC Infinia Metal
HDFC Bank
Super PremiumVS
Kotak IndianOil Credit Card
Kotak Mahindra Bank
Entry*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹13K vs ₹449
Effective Rate
(cash value)
1.7% vs 1.3%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Infinia Metal | Kotak IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | ₹449 |
| Annual Fee | ₹13K | ₹449 |
| Fee Waiver | Spend ₹10L annually | Spend ₹50K annually |
| Forex Markup | 2% | 3.5% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 1.67% | 1.33% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹24.0L | ₹2.4L |
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
Kotak IndianOil Credit Card is Best For
IndianOil fuel users with regular grocery/dining spends
Watch Out
- • Caps on accelerated categories limit value
Our Verdict
Based on overall features and value,
HDFC Infinia Metal wins!
Score: 66vsScore: 27
