HDFC Millennia vs HDFC Infinia Metal vs IDFC First WOW
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Infinia Metal
5
Why this card wins: Ultra High Spenders — 5 reward points for every ₹150 spent
| Feature | HDFC Millennia | HDFC Infinia Metal | IDFC First WOW |
|---|---|---|---|
| Bank | HDFC Bank | HDFC Bank | IDFC First Bank |
| Card Type | Cashback | Super Premium | Rewards |
| Annual Fee | ₹1,000 + GST | ₹12,500 + GST | Lifetime Free |
| Joining Fee | ₹1,000 + GST | ₹12,500 + GST | Nil |
| Rewards | 5% Cashback on Amazon, Flipkart, Swiggy | 5 reward points for every ₹150 spent | 10X reward points on every spend category |
| Best For | Online Shopping | Ultra High Spenders | All-Round Rewards |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹10,00,000+ | ₹25,000 - ₹5,00,000 |
| Welcome Benefit | 1000 Cash Points on first txn | 12,500 reward points on card activation | 500 reward points on first spend |
| Min Income | ₹25,000/month | Invite only (₹4L+/month) | ₹15,000/month |
| Lounge Access | 8 domestic per year | Unlimited domestic + international (Priority Pass) | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.6 | 5 | 4.5 |
| Contactless | |||
| EMI Conversion |
Key Features
HDFC Millennia
Online Shopping
Mastercard • Cashback
- 1% cashback on all offline spends
- 8 complimentary domestic lounge visits per year
- Welcome benefit of 1000 Cash Points
- Quarterly milestone rewards of ₹1000
Our Pick
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
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
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.