HDFC Infinia vs ICICI Sapphiro vs Kotak 811 #DreamDifferent
Side-by-side credit card comparison to help you choose the best one.
| Feature | HDFC Infinia | ICICI Sapphiro | Kotak 811 #DreamDifferent |
|---|---|---|---|
| Bank | HDFC Bank | ICICI Bank | Kotak Mahindra Bank |
| Annual Fee | ₹10,000 | ₹3,500 | Nil |
| Joining Fee | ₹10,000 | ₹3,500 | Nil |
| Rewards | 5X rewards on all spends | 2 reward points per ₹100 | Cashback on tap & pay |
| Best For | Ultra Premium | Travel | No Fee Card |
| Card Type | Super Premium | Premium | Entry Level |
| Rating | 4.8 | 4.4 | 3.9 |
HDFC Infinia
Ultra Premium
- ✓ Unlimited lounge access
- ✓ Golf privileges
- ✓ Concierge service
- ✓ 10X on SmartBuy
ICICI Sapphiro
Travel
- ✓ Domestic & international lounge
- ✓ Golf privileges
- ✓ Buy 1 Get 1 movies
- ✓ Fuel surcharge waiver
Kotak 811 #DreamDifferent
No Fee Card
- ✓ No annual fee ever
- ✓ Tap & pay cashback
- ✓ Online discounts
- ✓ Fuel surcharge waiver
Our Recommendation
Based on rating and overall value, HDFC Infinia currently ranks highest among your selected cards. Choose based on your actual spend pattern: travel, shopping, cashback, or premium benefits.