Infinia Metal Edition HDFC Credit Card vs RBL Bank Binge Visa Credit Card: Which is Better in 2026?
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In short: RBL Binge has the lower annual fee (₹999 vs ₹12,500); HDFC Infinia Metal Edition includes unlimited domestic & international lounge access, RBL Binge 2 airport lounge visits a year; HDFC Infinia Metal Edition has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Infinia Metal Edition | RBL Binge |
|---|---|---|
| Annual fee | ₹12,500 | ₹999 |
| Joining fee | ₹12,500 | Not listed |
| Annual fee waived | On ₹10 lakh annual spend | On ₹1 lakh annual spend |
| Lounge access | Unlimited domestic & international lounge access | 2 airport lounge visits a year |
| Forex markup | 2% | 3.5% |
From issuer benefit data, checked 23 Oct 2026. Rewards, milestones and welcome benefits are in the full table below.
The Infinia Metal Edition Hdfc Credit Card and the Rbl Bank Binge Visa Credit Card cater to different user profiles with distinct fee structures, rewards, and travel benefits. Infinia offers premium rewards and unlimited lounge access, while Binge focuses on online spending rewards with a lower annual fee. Both cards have different forex charges and welcome benefits, making them suitable for varied spending habits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Infinia Metal Edition Hdfc Credit Card | Rbl Bank Binge Visa Credit Card |
|---|---|---|
| Bank | HDFC Bank | RBL Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.12500 | — |
| Annual / renewal fee | Renewal Fee of Rs. 12500 | Annual Fee of Rs.999 |
| Annual fee waiver | Spend Rs.10 Lakh For Renewal Fee Waiver | Spend Rs.1 Lakh For Waiver of Annual Membership Fee |
| Reward rate (headline) | Earn 5 Reward Points For Every Rs.150 Spent | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 2 Complimentary Airport Lounge Access Per Year |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | — |
| Welcome benefit | Earn 12500 Reward Points As Welcome Benefit | Get 4000 Reward Points as Welcome Benefit |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Infinia Metal Edition Hdfc Credit Card provides significantly higher reward points, including 5 points per Rs.150 spent and up to 10X points on select categories like hotels and flights. It also offers a large welcome benefit of 12,500 points. In contrast, the Rbl Bank Binge Visa Credit Card offers 1 point per Rs.100 spent and 12 points per Rs.100 on online spends but with a much lower cap on maximum rewards. Overall, Infinia is better suited for users seeking premium, high-value rewards across diverse categories.
Which is better for travel?
For travel benefits, the Infinia card clearly leads with unlimited complimentary lounge access both domestically and internationally, along with complimentary golf games and lessons. The Rbl Binge card offers only 2 complimentary domestic lounge visits per year and no international lounge access or golf benefits. Therefore, Infinia is more travel-focused and rewarding for frequent travelers who value premium airport experiences.
Which has lower effective cost?
The Rbl Bank Binge Visa Credit Card is more beginner-friendly with a lower annual fee of Rs.999 and a waiver on spending Rs.1 lakh. The Infinia card has a high joining and renewal fee of Rs.12,500 each, waived only if you spend Rs.10 lakh annually, making it suitable for high spenders. Forex markup is also lower on Infinia at 2% compared to 3.5% on Binge, which may be relevant for international users. Overall, Binge is more affordable for moderate spenders, while Infinia suits premium users who can justify the fees.
Forex Charges
The Infinia card charges a 2% forex markup on foreign currency transactions, which is lower than the 3.5% charged by the Rbl Binge card. This makes Infinia more cost-effective for users who frequently transact internationally.
Fee Waiver Complexity
Infinia requires a very high annual spend of Rs.10 lakh to waive the renewal fee, whereas Binge waives its Rs.999 annual fee with a Rs.1 lakh spend. This makes fee waiver easier to achieve on Binge for average users.
Who should pick Infinia Metal Edition Hdfc Credit Card?
Consider Infinia Metal Edition Hdfc Credit Card if you are a high spender looking for premium rewards, unlimited domestic and international lounge access, and additional lifestyle benefits like golf privileges. This card is ideal if you can meet the high spending threshold to waive the substantial fees and want a comprehensive travel and rewards experience.
Who should pick Rbl Bank Binge Visa Credit Card?
Consider Rbl Bank Binge Visa Credit Card if you prefer a low annual fee credit card with good rewards on online spends and occasional lounge access. It is a practical choice for beginners or moderate spenders who want decent rewards without high fees and do not require extensive travel benefits.
Frequently Asked Questions
Infinia Metal Edition Hdfc Credit Card has a joining and renewal fee of Rs.12,500 each, while Rbl Bank Binge Visa Credit Card has an annual fee of Rs.999.
Infinia offers unlimited complimentary domestic and international lounge visits, whereas Binge offers 2 complimentary domestic lounge visits per year with no international access.
Infinia charges 2% forex markup on foreign currency transactions, and Binge charges 3.5%.
Yes, Infinia offers 12,500 reward points as a welcome benefit, while Binge offers 4,000 reward points.
Infinia waives the renewal fee if you spend Rs.10 lakh annually, and Binge waives the annual fee if you spend Rs.1 lakh.
Rbl Bank Binge Visa Credit Card offers 12 reward points per Rs.100 spent on online purchases, which is higher than Infinia's standard earning rate.