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Side-by-Side Comparison|Updated March 2026

HDFC Bank Equitas Excite Credit Card vs HDFC Bank - Infinia Metal

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
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HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Equitas Excite Credit CardHDFC Bank - Infinia Metal
Annual Fee₹500₹12,500
Joining Fee₹500₹12,500
Fee Waiver Spend₹1,00,000₹10,00,000
Base Reward Rate0.2666666666666667%1.0989%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating6.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Equitas Excite Credit Card

  • 0% on Grocery — 500 pts/month
  • 0% on Utility Bills — 500 pts/month
  • 0% on Fuel — 500 pts/month

HDFC Bank - Infinia Metal

  • 10.99% on SmartBuy Flights & Hotels — 15000 pts/month
  • 5.48% on SmartBuy Other Categories — 15000 pts/month

Pros & Cons

HDFC Bank Equitas Excite Credit Card

Pros

  • 3X Reward Points on grocery, supermarkets, and utility bills.
  • Monthly milestone bonus of 500 points on spending ₹20,000.
  • Annual fee waiver on a relatively low spend of ₹1 Lakh.
  • 1% fuel surcharge waiver at all fuel stations in India.

Cons

  • Low reward point value of ₹0.20 per point.
  • Accelerated rewards are capped at 500 points per month.
  • No complimentary airport lounge access.

HDFC Bank - Infinia Metal

Pros

  • Industry-leading 3.33% base reward rate with 1:1 redemption on travel.
  • Accelerated rewards up to 33% via HDFC SmartBuy platform.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Low 2% foreign currency markup fee, ideal for international spenders.

Cons

  • Strictly invite-only, making it inaccessible to most applicants.
  • High annual fee of ₹12,500 + GST, though offset by renewal points.
  • Recent caps on reward redemptions for Apple products and Tanishq vouchers.

Our Verdict

HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Choose HDFC Bank - Infinia Metal if

Exclusive lifestyle benefits, unlimited golf, and concierge services tailored for HNIs.

Frequently Asked Questions

Which is better: HDFC Bank Equitas Excite Credit Card or HDFC Bank - Infinia Metal?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Equitas Excite Credit Card and HDFC Bank - Infinia Metal?
HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: HDFC Bank Equitas Excite Credit Card or HDFC Bank - Infinia Metal?
HDFC Bank Equitas Excite Credit Card offers a base reward rate of 0.2666666666666667% with accelerated rewards on Grocery and Utility Bills. HDFC Bank - Infinia Metal offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Other Categories. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Equitas Excite Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Equitas Excite Credit Card and HDFC Bank - Infinia Metal can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Equitas Excite Credit Card or HDFC Bank - Infinia Metal?
For beginners, HDFC Bank Equitas Excite Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

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