HDFC Infinia Credit Card Metal Edition vs American Express Platinum Card
A side-by-side comparison of fees, rewards, and benefits to help you pick the right card for your spending.
| HDFC Infinia Credit Card Metal Edition | American Express Platinum Card | |
|---|---|---|
| Issuer | HDFC | AMEX |
| Annual fee | ₹12,500/yr ✓ | ₹66,000/yr |
| Joining fee | ₹12,500 | ₹66,000 |
| Best reward | 2.50% on Other | 1% on Other |
| Forex markup | 2% | 2% |
| Lounge access | Yes | No |
| Welcome benefit | ~₹12,500 | — |
| Min income | ₹3,00,000/mo | ₹2,50,000/mo |
| Expert rating | 4.9 / 5 ✓ | 4.8 / 5 |
Which should you pick?
Choose the HDFC Infinia Credit Card Metal Edition if you want strong rewards on other at a lower annual fee plus airport lounge access. Consider the American Express Platinum Card if you spend more on other. Your actual best card depends on how you spend — run your numbers below.
HDFC Infinia Credit Card Metal Edition vs American Express Platinum Card — FAQs
Which has a lower annual fee, HDFC Infinia Credit Card Metal Edition or American Express Platinum Card?
The HDFC Infinia Credit Card Metal Edition has the lower annual fee at ₹12,500/yr, versus ₹66,000/yr for the American Express Platinum Card.
Do HDFC Infinia Credit Card Metal Edition and American Express Platinum Card offer airport lounge access?
The HDFC Infinia Credit Card Metal Edition includes complimentary airport lounge access; the American Express Platinum Card does not list lounge access.
Which card has lower forex markup, HDFC Infinia Credit Card Metal Edition or American Express Platinum Card?
Both cards charge the same 2% forex markup on international spends.
Which is better, HDFC Infinia Credit Card Metal Edition or American Express Platinum Card?
Neither card is universally better — it depends on how you spend. The HDFC Infinia Credit Card Metal Edition rewards other at 2.50%, while the American Express Platinum Card rewards other at 1%. Compare their fees and benefits above, or run your actual spending through our recommender for a personalised pick.