American Express Platinum Reserve Credit Card vs Infinia Metal Credit Card
American Express · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
American ExpressScoreVery Good
Annual Fee₹10,000
Max Reward2%
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
Infinia Metal Credit Card leads overall with a CardCheck Score of 85/100 (+7 pts over American Express Platinum Reserve Credit Card).
4-Pillar Head-to-Head Breakdown
American vs InfiniaReward Power
35%American34/35
Infinia35/35
Infinia Wins
Fee Value & ROI
25%American18/25
Infinia18/25
Tie (18/25)
Lounge & Travel
20%American18/20
Infinia20/20
Infinia Wins
Forex & Access
20%American8/20
Infinia12/20
Infinia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 78
- 85Best
- Rating Verdict
- Very Good
- Excellent
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 8/20
- 12/20
02—Basic Info
- Bank
- American Express
- HDFC Bank
- Network
- Amex
- Visa
- Card type
- Premium
- Premium
- Best for
- AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹10,000Best
- ₹12,500
- Annual fee
- ₹10,000Best
- ₹12,500
- Fee waiver
- —
- ₹10,00,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹50,000
- Cash advance fee
- 3.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%
- 3.3%Best
- Max rate
- 2%
- 10%Best
- Points / ₹100
- 2
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 3
- Unlimited
- Intl lounge / year
- 2
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 2%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- ₹1,50,000
- ₹3,00,000
- Min CIBIL
- 760Best
- 800
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 78 | 85Best |
| Rating Verdict | Very Good | Excellent |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 8/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | American Express | HDFC Bank |
| Network | Amex | Visa |
| Card type | Premium | Premium |
| Best for | AmEx's India premium — hotel benefits, 3 lounge/qtr + dedicated Priority Pass | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹10,000Best | ₹12,500 |
| Annual fee | ₹10,000Best | ₹12,500 |
| Fee waiver | — | ₹10,00,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹50,000 |
| Cash advance fee | 3.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1% | 3.3%Best |
| Max rate | 2% | 10%Best |
| Points / ₹100 | 2 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 3 | Unlimited |
| Intl lounge / year | 2 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 2%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | ₹1,50,000 | ₹3,00,000 |
| Min CIBIL | 760Best | 800 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | American Express Platinum Reserve Credit Card | Infinia Metal Credit Card |
|---|---|---|
| CardCheck Score | 78/100Very Good | 85/100Excellent |
| Annual Fee | ₹10,000 | ₹12,500 |
| Fee Waiver Spend | No waiver | ₹10L/yr |
| Max Reward Potential | 2% | 10% |
| Domestic Lounge Access | 3 / quarter | Unlimited |
| International Lounge | 2 / year | Priority Pass (Select) |
| Forex Markup Fee | 3.5% | 2% |
Choose American Express Platinum Reserve Credit Card if:
Your spending centers around amex's india premium — hotel benefits, 3 lounge/qtr + dedicated priority pass and you want direct partner rewards with American Express.
Choose Infinia Metal Credit Card if:
Your spending aligns with travel and lifestyle benefits and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: American Express Platinum Reserve Credit Card vs Infinia Metal Credit Card
- Which is better: American Express Platinum Reserve Credit Card or Infinia Metal Credit Card?
- Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 78/100 (Very Good) for American Express Platinum Reserve Credit Card (a lead of +7 points). Infinia Metal Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- American Express Platinum Reserve Credit Card charges an annual fee of ₹10,000 with no official annual spend waiver milestone for renewal fee waiver. In comparison, Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh.
- How do the reward rates and cashback compare between American Express Platinum Reserve Credit Card and Infinia Metal Credit Card?
- American Express Platinum Reserve Credit Card offers a base reward rate of 1% and up to 2% on accelerated partner categories. Meanwhile, Infinia Metal Credit Card offers a base rate of 3.3% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: American Express Platinum Reserve Credit Card or Infinia Metal Credit Card?
- American Express Platinum Reserve Credit Card provides 3 domestic lounge visit(s) per quarter and 2 international lounge visit(s)/yr. On the other hand, Infinia Metal Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- American Express Platinum Reserve Credit Card levies a foreign currency markup fee of 3.5%, while Infinia Metal Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).