vs
In short: HDFC Tata Neu Infinity has the lower annual fee (₹1,499 vs ₹12,500); HDFC Infinia Metal Edition includes unlimited domestic & international lounge access, HDFC Tata Neu Infinity 2 airport lounge visits a quarter; both charge a 2% forex markup.
| Key facts | HDFC Infinia Metal Edition | HDFC Tata Neu Infinity |
|---|---|---|
| Annual fee | ₹12,500 | ₹1,499 |
| Joining fee | ₹12,500 | ₹1,499 |
| Annual fee waived | On ₹10 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rewards | 5 Reward Points For Every ₹150 Spent | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge access | Unlimited domestic & international lounge access | 2 airport lounge visits a quarter |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Infinia Metal Edition returns about ₹9,299 more a year after annual fees (₹26,000 vs ₹5,700 in rewards).
| Spend profile | HDFC Infinia Metal Edition | HDFC Tata Neu Infinity |
|---|---|---|
| Reward value: top rate / base rate | 33.33% / 3.33% | 5% / 1.5% |
| ₹20,000 a month, all general spends | ₹8,000 | ₹3,600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹26,000 | ₹5,700 |
| Annual fee | ₹12,500 | ₹1,499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Infinia Metal Edition HDFC Credit Card and the Tata Neu Infinity HDFC Bank Credit Card both offer premium benefits but cater to different spending styles. Infinia focuses on high-value reward points across diverse categories with unlimited lounge access, while Tata Neu Infinity emphasizes rewards within the Tata ecosystem and limited lounge visits. Their fee structures and renewal waivers also differ significantly.
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 | Tata Neu Infinity Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.12500 | Joining Fee of Rs.1499 |
| Annual / renewal fee | Renewal Fee of Rs. 12500 | Renewal Fee of Rs.1499 |
| Annual fee waiver | Spend Rs.10 Lakh For Renewal Fee Waiver | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rate (other spends) | Earn 5 Reward Points For Every Rs.150 Spent | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | 1 Complimentary Airport Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Earn 12500 Reward Points As Welcome Benefit | Welcome Benefit of 1499 NeuCoins |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
The Infinia Metal Edition card provides a much higher rewards potential, offering 10X points on select brands and 5 points per Rs.150 spent otherwise, translating to about Rs.26,000 in rewards annually at Rs.20,000 monthly spend. Tata Neu Infinity offers up to 5% back as NeuCoins on Tata brand spends and 1.5% back on non-Tata spends, amounting to roughly Rs.5,700 yearly. Infinia's rewards are more valuable for diversified and high spenders, while Tata Neu Infinity suits those focused on Tata ecosystem purchases.
Infinia Metal Edition offers unlimited complimentary domestic and international lounge access, making it highly travel-friendly for frequent flyers. Tata Neu Infinity provides 2 domestic lounge visits per quarter and 1 international lounge visit annually, which is more limited. Both cards have a 2% forex markup and 1% fuel surcharge waiver, but Infinia’s lounge benefits are superior for travel enthusiasts.
The Infinia Metal Edition has a significantly higher joining and renewal fee of Rs.12,500 each, with a waiver on spending Rs.10 lakh annually. Tata Neu Infinity charges Rs.1,499 for joining and renewal, with a waiver on Rs.3 lakh spend. For users with moderate spending, Tata Neu Infinity is more cost-effective, while Infinia suits high spenders who can easily meet the waiver criteria.
Infinia offers reward points with a top rate of 10X on select brands like SmartBuy and IGP.com and a base rate of 5 points per Rs.150 spent, which can be more valuable for diverse spending. Tata Neu Infinity rewards are given as NeuCoins, with 5% back on Tata brand spends and 1.5% on others, which may appeal to users loyal to Tata services.
Infinia provides unlimited complimentary lounge visits both in India and internationally, supporting frequent travelers. Tata Neu Infinity limits lounge access to 2 domestic visits per quarter and 1 international visit annually, which is more suitable for occasional travelers.
The Infinia card requires a high annual spend of Rs.10 lakh to waive the Rs.12,500 renewal fee, targeting premium users. Tata Neu Infinity offers a more accessible waiver at Rs.3 lakh annual spend, making it more attainable for mid-tier spenders.
Consider Infinia Metal Edition Hdfc Credit Card if you are a high spender looking for premium rewards across multiple brands, unlimited lounge access both domestically and internationally, and can justify the higher fees with your annual spend. It is ideal for those who want luxury travel benefits and significant reward point earnings.
Consider Tata Neu Infinity Hdfc Bank Credit Card if you prefer a lower fee card focused on earning NeuCoins primarily within the Tata ecosystem and want moderate lounge access. It is suitable for users who spend moderately and want simple rewards on everyday Tata and non-Tata brand purchases without a heavy annual fee commitment.
Infinia Metal Edition has a joining and renewal fee of Rs.12,500 each, while Tata Neu Infinity charges Rs.1,499 for both joining and renewal.
Infinia waives the renewal fee if you spend Rs.10 lakh annually, whereas Tata Neu Infinity waives it on Rs.3 lakh annual spend.
Infinia offers unlimited complimentary domestic and international lounge visits. Tata Neu Infinity provides 2 complimentary domestic lounge visits per quarter and 1 international lounge visit annually.
Both cards charge a 2% forex markup on foreign currency transactions.
Infinia offers 10X reward points on select brands like SmartBuy and IGP.com, while Tata Neu Infinity gives 5% back as NeuCoins on Tata brand spends.
Yes, both cards offer a 1% fuel surcharge waiver.