HDFC Infinia Metal vs Kotak White Reserve
Detailed comparison of these two popular credit cards
HDFC Infinia Metal
HDFC Bank
Super PremiumVS
Winner
Kotak White Reserve
Kotak Mahindra Bank
Super PremiumAnnual Fee
₹13K vs ₹13K
Effective Rate
(cash value)
1.7% vs 2.5%
Lounge Access
Unlimited vs Unlimited
Detailed Comparison
| Feature | HDFC Infinia Metal | Kotak White Reserve |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | ₹13K |
| Annual Fee | ₹13K | ₹13K |
| Fee Waiver | Spend ₹10L annually | Spend ₹10L annually |
| Forex Markup | 2% | 2% |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 2.5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | Unlimited |
| Priority Pass | Yes | Yes |
Eligibility | ||
| Min. Income | ₹24.0L | ₹36.0L |
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
Kotak White Reserve is Best For
Ultra-premium lifestyle with unlimited lounges
View Kotak White Reserve DetailsOur Verdict
Based on overall features and value,
Kotak White Reserve wins!
Score: 66vsScore: 73
