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Side-by-Side Comparison|Updated March 2026

ICICI Bank HPCL Platinum 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.

ICICI Bank

ICICI Bank HPCL Platinum Credit Card

6.2/10
Annual Fee₹199
Base Rewards0.5%
NetworkVisa
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HDFC Bank

HDFC Bank - Infinia Metal

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

FeatureICICI Bank HPCL Platinum Credit CardHDFC Bank - Infinia Metal
Annual Fee₹199₹12,500
Joining Fee₹199₹12,500
Fee Waiver Spend₹50,000₹10,00,000
Base Reward Rate0.5%1.0989%
Reward CurrencyICICI Bank RewardsReward Points
NetworkVisaVisa
Editor Rating6.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

ICICI Bank HPCL Platinum Credit Card

  • 0% on Fuel at HPCL

HDFC Bank - Infinia Metal

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

Pros & Cons

ICICI Bank HPCL Platinum Credit Card

Pros

  • 2.5% cashback on fuel purchases at HPCL pumps (up to ₹100/month).
  • 1% fuel surcharge waiver on transactions up to ₹4,000 at HPCL.
  • ₹100 off on movie tickets twice a month via BookMyShow.
  • Low annual fee of ₹199, waived on spending ₹50,000 annually.

Cons

  • Cashback and surcharge waiver only applicable on ICICI Merchant Services swipe machines.
  • No airport lounge access benefits.
  • Low reward rate on non-fuel retail spends (0.5% value).

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, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose ICICI Bank HPCL Platinum Credit Card if

Strong fuel savings at HPCL pumps for a very low annual fee.

Choose HDFC Bank - Infinia Metal if

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

Frequently Asked Questions

Which is better: ICICI Bank HPCL Platinum Credit Card or HDFC Bank - Infinia Metal?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, ICICI Bank HPCL Platinum Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between ICICI Bank HPCL Platinum Credit Card and HDFC Bank - Infinia Metal?
ICICI Bank HPCL Platinum Credit Card has an annual fee of ₹199, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. ICICI Bank HPCL Platinum Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: ICICI Bank HPCL Platinum Credit Card or HDFC Bank - Infinia Metal?
ICICI Bank HPCL Platinum Credit Card offers a base reward rate of 0.5% with accelerated rewards on Fuel at HPCL. 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 ICICI Bank HPCL Platinum Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. ICICI Bank HPCL Platinum Credit Card and HDFC Bank - Infinia Metal can complement each other if they cover different reward categories.
Which card is better for beginners: ICICI Bank HPCL Platinum Credit Card or HDFC Bank - Infinia Metal?
For beginners, ICICI Bank HPCL Platinum Credit Card may be more approachable with a lower annual fee of ₹199. However, evaluate based on your expected spending pattern rather than fee alone.

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