What are the annual fees for American Express Platinum Travel Credit Card and HDFC Bank INFINIA Metal Credit Card?

American Express Platinum Travel Credit Card has ₹5,000 + GST. HDFC Bank INFINIA Metal Credit Card has ₹12,500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

American Express Platinum Travel Credit Card earns about 1% on general spends; HDFC Bank INFINIA Metal Credit Card earns about 1.665%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

American Express Platinum Travel Credit Card: 3.5%. HDFC Bank INFINIA Metal Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

American Express Platinum Travel Credit Card: yes — see the lounge row above for limits. HDFC Bank INFINIA Metal Credit Card: yes — see the lounge row above for limits.

Card Comparison

American Express Platinum Travel vs HDFC INFINIA Metal

American Express Platinum Travel vs HDFC INFINIA Metalcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

American Express Platinum Travel

American Express

Fee₹5,000+GST

Eff. rate1%

CapNone

Fee

₹5,000+GST

Eff. rate

Cap

None

HDFC Bank INFINIA Metal

HDFC Bank

Fee₹12,500+GST

Eff. rate1.67%

Cap₹2,00,000

Fee

₹12,500+GST

Eff. rate

1.67%

Cap

₹2,00,000

Quick take

How they compare

American Express Platinum Travel and HDFC INFINIA Metal suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.665% effective rate vs 1%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

American Express Platinum Travel

Annual fee: ₹5,000 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

No monthly reward cap

HDFC INFINIA Metal

Annual fee: ₹12,500 + GST
Everyday rate: 1.7%
Monthly cap: ₹2,00,000/mo

Notable strengths

Flat rewards on every spend

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

44 specs · 13 sections

American Express Platinum Travel

HDFC Bank INFINIA Metal

Feature

American Express Platinum Travel

HDFC Bank INFINIA Metal

Annual Fee

₹5,000

₹12,500

Joining Fee

₹5,000

₹12,500

Fee Waiver Spend

N/A

₹10,00,000

Forex Markup

3.5%

Reward Type

Reward Points

Base Rate

1.67%

Effective Base Rate

1.67%

Point Value

₹0.5

Redemption Quality

HIGH

Best Redemption

₹0.5

₹1

Worst Redemption

₹0.18

₹0.3

Marriott

—

20%

Grocery / Supermarkets

1.67%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.67%

Flights, Hotels, OTAs, Tour Operators

33%

Other Retail / Catch-all

1.67%

Monthly Cap

No cap

₹2,00,000

Est. Annual Cap

No cap

₹24,00,000

Total Excluded

5 categories

4 categories

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Rent Payments

Earns rewards

Excluded

Wallet / Prepaid Instrument Loading

Earns rewards

Excluded

Domestic Visits/Year

-1

International Visits/Year

None

-1

Priority Pass

Yes

Est. Annual Value

₹3,520

₹10,230

Forex Markup

3.5%

Description

10,000 Membership Rewards Points on payment of annual fee and spending ₹15,000 within 90 days of Cardmembership

12,500 Reward Points on fee realisation and card activation, plus complimentary Club Marriott membership for first year

Estimated Value

₹4,000

₹5,000

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Shopping

Travel, Dining, Shopping

Min Income

₹50,000/month

Not specified

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

American Express

Visa

Card Tier

Platinum

Super Premium

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for American Express Platinum Travel Credit Card and HDFC Bank INFINIA Metal Credit Card?: American Express Platinum Travel Credit Card has ₹5,000 + GST. HDFC Bank INFINIA Metal Credit Card has ₹12,500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: American Express Platinum Travel Credit Card earns about 1% on general spends; HDFC Bank INFINIA Metal Credit Card earns about 1.665%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: American Express Platinum Travel Credit Card: 3.5%. HDFC Bank INFINIA Metal Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: American Express Platinum Travel Credit Card: yes — see the lounge row above for limits. HDFC Bank INFINIA Metal Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: American Express - American Express Platinum Travel · HDFC Bank - HDFC INFINIA Metal