What are the annual fees for HDFC Bank INFINIA Metal Credit Card and IDFC FIRST Wealth Credit Card?

HDFC Bank INFINIA Metal Credit Card has ₹12,500 + GST. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank INFINIA Metal Credit Card earns about 1.665% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank INFINIA Metal Credit Card: 2%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

HDFC Bank INFINIA Metal Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth Credit Card: yes — see the lounge row above for limits.

Card Comparison

HDFC INFINIA Metal vs IDFC FIRST Wealth

HDFC INFINIA Metal vs IDFC FIRST Wealthcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

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

IDFC FIRST Wealth

IDFC FIRST Bank

FeeFree

Eff. rate0.38%

CapNone

Fee

Free

Eff. rate

0.38%

Cap

None

Quick take

How they compare

HDFC INFINIA Metal and IDFC FIRST Wealth suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: Free vs ₹12,500 annual fee. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

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

IDFC FIRST Wealth

Annual fee: Free
Everyday rate: 0.4%
Monthly cap: No cap

Notable strengths

No monthly reward cap
Low forex markup (1.5%)

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

44 specs · 13 sections

HDFC Bank INFINIA Metal

IDFC FIRST Wealth

Feature

HDFC Bank INFINIA Metal

IDFC FIRST Wealth

Annual Fee

₹12,500

Free

Joining Fee

₹12,500

Free

Fee Waiver Spend

₹10,00,000

N/A

Forex Markup

1.5%

Reward Type

Reward Points

Base Rate

1.67%

0.38%

Effective Base Rate

1.67%

0.38%

Point Value

₹0.5

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.25

Worst Redemption

₹0.3

₹0.2

Marriott

20%

—

Grocery / Supermarkets

1.67%

0.38%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

0.38%

Restaurants / Dine-in

1.67%

0.38%

Flights, Hotels, OTAs, Tour Operators

33%

0.38%

Other Retail / Catch-all

1.67%

0.38%

Monthly Cap

₹2,00,000

No cap

Est. Annual Cap

₹24,00,000

No cap

Total Excluded

4 categories

0 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Rent Payments

Excluded

Earns rewards

Wallet / Prepaid Instrument Loading

Excluded

Earns rewards

EMI Transactions

Excluded

Earns rewards

Domestic Visits/Year

-1

International Visits/Year

-1

Priority Pass

Yes

Est. Annual Value

₹10,230

Forex Markup

1.5%

Description

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

₹500 Voucher from Uber, Amazon, and Bigbasket on Spending ₹5,000 Within 30 Days of Card Issuance. 5% Cashback Upto ₹1,000 on the First EMI Transaction

Estimated Value

₹5,000

₹1,200

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Dining, Shopping

Movies, Travel, Shopping

Min Income

Not specified

₹3,00,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa

Card Tier

Super Premium

Infinite

Still weighing your options?

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Frequently asked questions

What are the annual fees for HDFC Bank INFINIA Metal Credit Card and IDFC FIRST Wealth Credit Card?: HDFC Bank INFINIA Metal Credit Card has ₹12,500 + GST. IDFC FIRST Wealth Credit Card has no annual fee. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank INFINIA Metal Credit Card earns about 1.665% on general spends; IDFC FIRST Wealth Credit Card earns about 0.375%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank INFINIA Metal Credit Card: 2%. IDFC FIRST Wealth Credit Card: 1.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: HDFC Bank INFINIA Metal Credit Card: yes — see the lounge row above for limits. IDFC FIRST Wealth 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: HDFC Bank - HDFC INFINIA Metal · IDFC FIRST Bank - IDFC FIRST Wealth