Bandhan Bank Lumina Credit Card vs Infinia Metal Credit Card
Bandhan Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Bandhan BankScoreExcellent
Annual Fee₹9,999
Max Reward3%
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
Infinia Metal Credit Card leads overall with a CardCheck Score of 85/100 (+1 pts over Bandhan Bank Lumina Credit Card).
4-Pillar Head-to-Head Breakdown
Bandhan vs InfiniaReward Power
35%Bandhan34/35
Infinia35/35
Infinia Wins
Fee Value & ROI
25%Bandhan18/25
Infinia18/25
Tie (18/25)
Lounge & Travel
20%Bandhan18/20
Infinia20/20
Infinia Wins
Forex & Access
20%Bandhan14/20
Infinia12/20
Bandhan Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 84
- 85Best
- Rating Verdict
- Excellent
- 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%)
- 14/20
- 12/20
02—Basic Info
- Bank
- Bandhan Bank
- HDFC Bank
- Network
- —
- Visa
- Card type
- Premium
- Premium
- Best for
- Travel and dining rewards
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹9,999Best
- ₹12,500
- Annual fee
- ₹9,999Best
- ₹12,500
- Fee waiver
- ₹12,00,000
- ₹10,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 18%Best
- 23.88%
- APR (max)
- 42%
- 42%
- Late payment fee
- Free
- —
- Cash advance fee
- 0%Best
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 2%
- 3.33%Best
- Max rate
- 3%
- 10%Best
- Points / ₹100
- 8Best
- 3.33
- Point value
- —
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- 8
- Unlimited
- Lounge spend criteria
- No spend condition
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1%Best
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹1,50,000
- —
- Min CIBIL
- —
- 750
- Invite only
Rows won
06of 10
04of 10
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 84 | 85Best |
| Rating Verdict | Excellent | 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%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Bandhan Bank | HDFC Bank |
| Network | — | Visa |
| Card type | Premium | Premium |
| Best for | Travel and dining rewards | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹9,999Best | ₹12,500 |
| Annual fee | ₹9,999Best | ₹12,500 |
| Fee waiver | ₹12,00,000 | ₹10,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 18%Best | 23.88% |
| APR (max) | 42% | 42% |
| Late payment fee | Free | — |
| Cash advance fee | 0%Best | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 2% | 3.33%Best |
| Max rate | 3% | 10%Best |
| Points / ₹100 | 8Best | 3.33 |
| Point value | — | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 8 | Unlimited |
| Lounge spend criteria | No spend condition | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1%Best | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹1,50,000 | — |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 06of 10 | 04of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Bandhan Bank Lumina Credit Card | Infinia Metal Credit Card |
|---|---|---|
| CardCheck Score | 84/100Excellent | 85/100Excellent |
| Annual Fee | ₹9,999 | ₹12,500 |
| Fee Waiver Spend | ₹12L/yr | ₹10L/yr |
| Max Reward Potential | 3% | 10% |
| Domestic Lounge Access | 8 / quarter | Unlimited |
| International Lounge | None | Priority Pass (Select) |
| Forex Markup Fee | 1% | 2% |
Choose Bandhan Bank Lumina Credit Card if:
Your spending centers around travel and dining rewards and you want direct partner rewards with Bandhan Bank.
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: Bandhan Bank Lumina Credit Card vs Infinia Metal Credit Card
- Which is better: Bandhan Bank Lumina 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 84/100 (Excellent) for Bandhan Bank Lumina Credit Card (a lead of +1 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?
- Bandhan Bank Lumina Credit Card charges an annual fee of ₹9,999 with an annual spend threshold of ₹12 Lakh 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 Bandhan Bank Lumina Credit Card and Infinia Metal Credit Card?
- Bandhan Bank Lumina Credit Card offers a base reward rate of 2% and up to 3% on accelerated partner categories. Meanwhile, Infinia Metal Credit Card offers a base rate of 3.33% 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: Bandhan Bank Lumina Credit Card or Infinia Metal Credit Card?
- Bandhan Bank Lumina Credit Card provides 8 complimentary domestic lounge visits per quarter (32/year). On the other hand, Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement.
- Which card is better for international foreign currency spends?
- Bandhan Bank Lumina Credit Card levies a foreign currency markup fee of 1%, 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).