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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Infinia Metal vs Swiggy HDFC Bank Credit Card

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

HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
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Feature-by-Feature Comparison

FeatureHDFC Bank - Infinia MetalSwiggy HDFC Bank Credit Card
Annual Fee₹12,500₹500
Joining Fee₹12,500₹500
Fee Waiver Spend₹10,00,000₹2,00,000
Base Reward Rate1.0989%1%
Reward CurrencyReward PointsCashback
NetworkVisaMastercard
Editor Rating9.5/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Infinia Metal

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

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 pts/month

Pros & Cons

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.

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

Our Verdict

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

Choose HDFC Bank - Infinia Metal if

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

Choose Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

Frequently Asked Questions

Which is better: HDFC Bank - Infinia Metal or Swiggy HDFC Bank Credit Card?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, Swiggy HDFC Bank 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 - Infinia Metal and Swiggy HDFC Bank Credit Card?
HDFC Bank - Infinia Metal has an annual fee of ₹12,500, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: HDFC Bank - Infinia Metal or Swiggy HDFC Bank Credit Card?
HDFC Bank - Infinia Metal offers a base reward rate of 1.0989% with accelerated rewards on SmartBuy Flights & Hotels and SmartBuy Other Categories. Swiggy HDFC Bank Credit Card offers 1% base rewards with bonuses on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Infinia Metal and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Infinia Metal and Swiggy HDFC Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Infinia Metal or Swiggy HDFC Bank Credit Card?
For beginners, Swiggy HDFC Bank 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.

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