HDFC Infinia Metal vs Kotak Royale Signature vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Infinia Metal | Kotak Royale Signature | IDFC First WOW |
|---|---|---|---|
| Bank | HDFC Bank | Kotak Mahindra | IDFC First Bank |
| Annual Fee | ₹12,500 + GST | ₹999 + GST | Lifetime Free |
| Joining Fee | ₹12,500 + GST | ₹999 + GST | Nil |
| Rewards | 5 reward points for every ₹150 spent | 4 reward points per ₹150 on all spends | 10X reward points on every spend category |
| Best For | Ultra High Spenders | Travel & Entertainment | All-Round Rewards |
| Card Type | Super Premium | Premium | Rewards |
| Rating | 5 | 4.3 | 4.5 |
HDFC Infinia Metal
Ultra High Spenders
- ✓ Unlimited Airport lounge access globally
- ✓ Global Concierge & Golf privileges
- ✓ Club Marriott membership for 1 year
- ✓ Dedicated Relationship Manager
Kotak Royale Signature
Travel & Entertainment
- ✓ 8 complimentary domestic lounge visits per year
- ✓ 2 complimentary international lounge visits
- ✓ 1% fuel surcharge waiver
- ✓ Milestone benefits on annual spending
IDFC First WOW
All-Round Rewards
- ✓ No annual or joining fee ever
- ✓ 10X reward points on all categories
- ✓ 6 domestic + 2 international lounge visits
- ✓ Never expiring reward points
Our Recommendation
Based on rating and overall value, HDFC Infinia Metal currently ranks highest among your selected cards.