HDFC Infinia Metal vs HDFC Tata Neu Plus
Side-by-side credit card comparison to help you choose the best one.
HDFC Infinia Metal
Why this card wins: Ultra High Spenders — 5 reward points for every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Card Type | Super Premium | Cashback |
| Annual Fee | ₹12,500 + GST | ₹499 + GST |
| Joining Fee | ₹12,500 + GST | ₹499 + GST |
| Rewards | 5 reward points for every ₹150 spent | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Ultra High Spenders | Tata Ecosystem |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 500 NeuCoins on first txn |
| Min Income | Invite only (₹4L+/month) | ₹15,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 5 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
HDFC Infinia Metal
Ultra High Spenders
Visa Infinite • Super Premium
- Unlimited Airport lounge access globally
- Global Concierge & Golf privileges
- Club Marriott membership for 1 year
- Dedicated Relationship Manager
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
Verdict
Based on rating and overall value, HDFC Infinia Metal ranks highest among your selected cards. It excels at Ultra High Spenders and offers 5 reward points for every ₹150 spent.
Frequently asked questions
Which is better: HDFC Infinia Metal or HDFC Tata Neu Plus?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. HDFC Tata Neu Plus is the better fit if your priority is tata ecosystem. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Infinia Metal and HDFC Tata Neu Plus?
HDFC Tata Neu Plus is cheaper to hold at ₹499 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and HDFC Tata Neu Plus offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). HDFC Tata Neu Plus: no complimentary lounge access.
Which card is better for international spending?
HDFC Infinia Metal has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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