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HDFC Infinia Metal vs AU LIT

Compare HDFC Infinia Metal vs AU LIT across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Infinia Metal leads on reward rate, while AU LIT has the lowest annual fee.

Card 1

HDFC Infinia Metal

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

AU LIT

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.2
HDFC Infinia Metal
Premium stack10.0

hdfc / VISA

HDFC Infinia Metal

Annual

₹12,500

Return

3.3%

Lounges

Unlimited

Forex

2%

Card summary
  • HDFC Infinia Metal leans travel and lifestyle with ₹12,500 annual fee, 3.3% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,500 annual fee.
  • 3.3% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹45,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
AU LIT
No-fee value4.2

au / VISA

AU LIT

Annual

₹0

Return

2%

Lounges

0

Forex

3.49%

Card summary
  • AU LIT leans reward-led with ₹0 annual fee, 2% headline return potential, and 0 lounge access.
Pros
  • No annual fee improves first-year and renewal value.
  • 2% reward rate can outperform flat cashback for loyal users.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Low ownership cost with upside from recurring spends.

Full card details
Metric
HDFC Infinia Metal
AU LIT
Fees
Annual fee
₹12,500
₹0
Joining fee
₹12,500
₹0
Rewards
Cashback rate
3.3%
1%
Reward rate
3.3%
2%
Travel
Forex markup
2%
3.49%
Domestic lounges
Unlimited
0
International lounges
Unlimited
0
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹45,00,000
₹3,00,000

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