1. HDFC Infinia – The Ultimate Premium Card
- Invite-only card for HDFC’s high-value customers
- Annual Fee: ₹12,500 + GST (waived on ₹10L spend)
- Welcome Bonus: 12,500 Reward Points + Club Marriott Membership
- Reward Rate: 5 RP per ₹150 (~3.3%)
- SmartBuy Benefits: 10x RP (capped at 15k RP/month)
- Lounge Access: Unlimited (Domestic + International) for primary & add-on cardholders
- Golf Benefits: Unlimited free games & coaching
- Foreign Exchange Markup: 2%
For more details: Click Here
2. AmEx Trifecta – Maximize Rewards with 3 Cards
- Combination of:
- AmEx MRCC (₹1,000 fee)
- AmEx Gold Charge (₹1,000 fee)
- AmEx Platinum Travel (₹5,000 fee)
- Total First-Year Fee: ₹7,000 + GST (₹14,000 from 2nd year)
- Welcome Bonus: 18,000 MR points + 12,000 referral bonus MR points
- Reward Rate: 1 MR Point per ₹50 spent
- Lounge Access: 2 domestic lounges per quarter + Priority Pass (USD 99 waived, but $35 per visit)
- Dining Perks: 20% off on select restaurants
- Foreign Exchange Markup: 3.5%
For more details: Click Here
HDFC Infinia vs. AmEx Trifecta – Key Comparisons
| Feature | HDFC Infinia | AmEx Trifecta |
|---|---|---|
| Annual Fee | ₹12,500 | ₹7,000 (Yr 1), ₹14,000 (Yr 2) |
| Reward Rate | 5 RP per ₹150 (3.3%) | 1 MR per ₹50 |
| Lounge Access | Unlimited (Domestic + Intl) | 2/qtr + Priority Pass (paid visits) |
| Golf Benefits | Unlimited | None |
| Forex Markup | 2% | 3.5% |
Which One Should You Pick?
HDFC Infinia if you:
- Want unlimited lounge access
- Spend heavily and value reward redemption flexibility
- Need low forex markup (2%)
- Enjoy luxury perks like Marriott, ITC, and Swiggy Dineout
AmEx Trifecta if you:
- Want to maximize Membership Rewards points
- Use AmEx for vouchers and travel redemptions
- Can handle AmEx’s limited acceptance