Which is better: IDFC FIRST Bank Mayura Metal Credit Card or HDFC Bank INFINIA Metal Credit Card?

IDFC FIRST Bank Mayura Metal Credit Card is best suited for Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points., while HDFC Bank INFINIA Metal Credit Card excels in Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.. Compare their joining fees (₹5,999 vs ₹12,500) and reward structures to choose the best card for your monthly spending.

What are the joining and annual renewal fees for IDFC FIRST Bank Mayura Metal Credit Card vs HDFC Bank INFINIA Metal Credit Card?

IDFC FIRST Bank Mayura Metal Credit Card has a joining fee of ₹5,999 and annual renewal fee of ₹5,999. HDFC Bank INFINIA Metal Credit Card has a joining fee of ₹12,500 and annual renewal fee of ₹12,500.

How to apply online for IDFC FIRST Bank Mayura Metal Credit Card or HDFC Bank INFINIA Metal Credit Card?

You can securely submit an application via the verified official links on CardRecommend.

Side-by-Side Card Comparator

IDFC FIRST Bank Mayura Metal Credit Card vs HDFC Bank INFINIA Metal Credit Card

Detailed head-to-head comparison between IDFC FIRST Bank Mayura Metal Credit Card and HDFC Bank INFINIA Metal Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.

Quick Comparisons:

Head-to-Head OverviewLive Comparison

Verified Bank Data (2026)

Travel

4.4Score

IDFC FIRST Bank Verified

IDFC FIRST Bank Mayura Metal Credit Card

Joining Fee₹5,999

Renewal Fee₹5,999

NetworkMastercard / Visa

Best for: Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points.

Rewards: 10X on international spends and spends > ₹20,000/month; 5X on retail spends <= ₹20,000

Lounge: 16 Domestic + 16 International visits/year · ₹20k monthly spend required (Domestic)

Renewal fee waived on ₹9,00,000 annual spend

Apply Now

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Last verified 17 Sept 2026

Travel

5.0Score

HDFC BankInvite Only

HDFC Bank INFINIA Metal Credit Card

Joining Fee₹12,500

Renewal Fee₹12,500

NetworkVisa

Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.

Rewards: 5 Reward Points per ₹150 spent

Lounge: Unlimited Domestic & International

Renewal fee waived on ₹10,00,000 annual spend

Apply Now

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Last verified 16 Sept 2026

Quick Decision Guide: Which Should You Pick?

Choose IDFC FIRST Bank Mayura Metal Credit Card If:

Your primary spending focus is Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points..
Joining fee of ₹5,999 matches your budget.
Lounge entitlement: 16 Domestic + 16 International visits/year · ₹20k monthly spend required (Domestic).

Choose HDFC Bank INFINIA Metal Credit Card If:

Your primary spending focus is Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India..
Joining fee of ₹12,500 matches your budget.
Lounge entitlement: Unlimited Domestic & International.

Feature & Fee Breakdown

Detailed attribute comparison and head-to-head winner declaration

Key Specification	Card AIDFC FIRST Bank Mayura Metal Credit Card Apply Online (IDFC FIRST Bank)	Card BHDFC Bank INFINIA Metal Credit Card Apply Online (HDFC Bank)
Bank / Issuer	IDFC FIRST Bank	HDFC Bank
Joining Fee	₹5,999★ Lower Fee	₹12,500
Annual / Renewal Fee	₹5,999★ Lower Fee	₹12,500
Fee Waiver Condition	900000	1000000
Rewards & Cashback	10X on international spends and spends > ₹20,000/month; 5X on retail spends <= ₹20,000	5 Reward Points per ₹150 spent
Airport Lounge Access	16 Domestic + 16 International visits/year · ₹20k monthly spend required (Domestic) 61 domestic airports • 6 international terminals	Unlimited Domestic & International 31 domestic airports • 1 international terminals
Welcome Bonus	Up to 12,000 Reward Points	Standard welcome pack
Best Suited For	Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points.	Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Official Apply Link	Apply Online (IDFC FIRST Bank)	Apply Online (HDFC Bank)

Airport Lounge Access Privileges

Detailed complimentary domestic & international lounge entitlement comparison

Card A Lounge Entitlement

IDFC FIRST Bank Mayura Metal Credit Card

16 Domestic + 16 International visits/year · ₹20k monthly spend required (Domestic)

Domestic Airport AccessYes (61+ Airports)

International LoungesYes (6+ Terminals)

Check full lounge network directory

Card B Lounge Entitlement

HDFC Bank INFINIA Metal Credit Card

Unlimited Domestic & International

Domestic Airport AccessYes (31+ Airports)

International LoungesYes (1+ Terminals)

Check full lounge network directory

Frequently Asked Questions

Everything you need to know about choosing between IDFC FIRST Bank Mayura Metal Credit Card and HDFC Bank INFINIA Metal Credit Card.

1. Which card has lower fees between IDFC FIRST Bank Mayura Metal Credit Card and HDFC Bank INFINIA Metal Credit Card?

IDFC FIRST Bank Mayura Metal Credit Card charges a joining fee of ₹5,999 and an annual renewal fee of ₹5,999. In comparison, HDFC Bank INFINIA Metal Credit Card has a joining fee of ₹12,500 and an annual fee of ₹12,500. Check the fee waiver threshold in the matrix above to see if your annual spend qualifies for a full renewal fee reversal.

2. Which card offers higher cashback or rewards?

IDFC FIRST Bank Mayura Metal Credit Card offers: 10X on international spends and spends > ₹20,000/month; 5X on retail spends <= ₹20,000. On the other hand, HDFC Bank INFINIA Metal Credit Card features: 5 Reward Points per ₹150 spent. Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).

3. Is airport lounge access complimentary on these cards?

IDFC FIRST Bank Mayura Metal Credit Card: 16 Domestic + 16 International visits/year · ₹20k monthly spend required (Domestic). HDFC Bank INFINIA Metal Credit Card: Unlimited Domestic & International. Spend requirements vary by card and are shown from the latest structured lounge rules. Check card details or airport eligibility results for current thresholds.

4. How do I apply for either card securely?

Clicking on the official apply buttons takes you straight to the verified bank portal with Video-KYC capability for instantaneous credit decisioning.

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