HDFC Infinia Metal vs PNB Rupay Platinum
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 | Punjab National Bank |
| Card Type | Super Premium | Entry Level |
| Annual Fee | ₹12,500 + GST | ₹299 + GST |
| Joining Fee | ₹12,500 + GST | ₹99 + GST |
| Rewards | 5 reward points for every ₹150 spent | 2 reward points per ₹100 on all spends |
| Best For | Ultra High Spenders | Budget Users |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | 12,500 reward points on card activation | None |
| Min Income | Invite only (₹4L+/month) | ₹12,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 5 | 3.9 |
| 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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 PNB Rupay Platinum?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Infinia Metal and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and PNB Rupay Platinum offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). PNB Rupay Platinum: 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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