Infinia Metal Credit Card vs HDFC Millennia Credit Card
HDFC Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
HDFC BankScoreVery Good
Annual Fee₹1,000
Max Reward5%
Infinia Metal Credit Card leads overall with a CardCheck Score of 85/100 (+12 pts over HDFC Millennia Credit Card).
4-Pillar Head-to-Head Breakdown
Infinia vs HDFCReward Power
35%Infinia35/35
HDFC34/35
Infinia Wins
Fee Value & ROI
25%Infinia18/25
HDFC20/25
HDFC Wins
Lounge & Travel
20%Infinia20/20
HDFC11/20
Infinia Wins
Forex & Access
20%Infinia12/20
HDFC8/20
Infinia Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 85Best
- 73
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 20/25
- Lounge & Travel (20%)
- 20/20
- 11/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- HDFC Bank
- HDFC Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Regular
- Best for
- Travel and lifestyle benefits
- online shoppers
03—Fees
- Joining fee
- ₹12,500
- ₹1,000Best
- Annual fee
- ₹12,500
- ₹1,000Best
- Fee waiver
- ₹10,00,000
- ₹1,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 23.88%Best
- 43.2%
- APR (max)
- 42%Best
- 43.2%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 3.33%Best
- 1%
- Max rate
- 10%Best
- 5%
- Points / ₹100
- 3.33Best
- 1
- Point value
- ₹1
- ₹1
- Monthly cap
- —
- ₹2,000
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- 1
- Lounge spend criteria
- No spend condition
- On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- —
- ₹35,000
- Invite only
Rows won
07of 10
03of 10
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 85Best | 73 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 20/25 |
| Lounge & Travel (20%) | 20/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Visa |
| Card type | Premium | Regular |
| Best for | Travel and lifestyle benefits | online shoppers |
03—Fees Differences highlighted | ||
| Joining fee | ₹12,500 | ₹1,000Best |
| Annual fee | ₹12,500 | ₹1,000Best |
| Fee waiver | ₹10,00,000 | ₹1,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 23.88%Best | 43.2% |
| APR (max) | 42%Best | 43.2% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 3.33%Best | 1% |
| Max rate | 10%Best | 5% |
| Points / ₹100 | 3.33Best | 1 |
| Point value | ₹1 | ₹1 |
| Monthly cap | — | ₹2,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | 1 |
| Lounge spend criteria | No spend condition | On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | — | ₹35,000 |
| Invite only | ||
| Rows won | 07of 10 | 03of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Infinia Metal Credit Card | HDFC Millennia Credit Card |
|---|---|---|
| CardCheck Score | 85/100Excellent | 73/100Very Good |
| Annual Fee | ₹12,500 | ₹1,000 |
| Fee Waiver Spend | ₹10L/yr | ₹1L/yr |
| Max Reward Potential | 10% | 5% |
| Domestic Lounge Access | Unlimited | 1 / quarter |
| International Lounge | Priority Pass (Select) | None |
| Forex Markup Fee | 2% | 3.5% |
Choose Infinia Metal Credit Card if:
Your spending centers around travel and lifestyle benefits and you want direct partner rewards with HDFC Bank.
Choose HDFC Millennia Credit Card if:
Your spending aligns with online shoppers and you prioritize HDFC Bank's redemption benefits.
Popular Comparisons for Infinia Metal Credit Card
Direct side-by-side MITC term matchups
Popular Comparisons for HDFC Millennia Credit Card
Direct side-by-side MITC term matchups
Frequently asked questions: Infinia Metal Credit Card vs HDFC Millennia Credit Card
- Which is better: Infinia Metal Credit Card or HDFC Millennia Credit Card?
- Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 73/100 (Very Good) for HDFC Millennia Credit Card (a lead of +12 points). Infinia Metal Credit Card gains its scoring lead primarily through lounge & travel privileges (20 vs 11) and forex & terms (12 vs 8).
- How do annual fees and fee waiver spend rules compare?
- Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, HDFC Millennia Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between Infinia Metal Credit Card and HDFC Millennia Credit Card?
- Infinia Metal Credit Card offers a base reward rate of 3.33% and up to 10% on accelerated partner categories. Meanwhile, HDFC Millennia Credit Card offers a base rate of 1% and up to 5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Infinia Metal Credit Card or HDFC Millennia Credit Card?
- Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement. On the other hand, HDFC Millennia Credit Card provides 1 complimentary domestic lounge visit per quarter (4/year) (On ₹1 lakh spend in a calendar quarter, customer can choose either 1 lounge voucher OR ₹1,000 brand voucher).
- Which card is better for international foreign currency spends?
- Infinia Metal Credit Card levies a foreign currency markup fee of 2%, while HDFC Millennia Credit Card charges 3.5%. 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).