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Amex Platinum Charge Card vs HDFC Infinia Metal Edition

A head-to-head comparison of Amex Platinum Charge Card and HDFC Infinia Metal Edition across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

Amex Platinum Charge Card

Luxury & Concierge Services

Annual Fee
₹66,000
Reward Rate
Membership Rewards
Apply Now Read full review →
PremiumCard B

HDFC Infinia Metal Edition

High Net-Worth Individuals

Annual Fee
₹12,500
Reward Rate
Up to 33% via SmartBuy (5X points)
Apply Now Read full review →

Feature comparison

FeatureAmex PlatinumHDFC Infinia
Annual Fee₹66,000 (Plus GST)₹12,500 (Waived on ₹10L spend; retention now requires ₹18L spend or ₹50L relationship value)
Reward RateMembership RewardsUp to 33% via SmartBuy (5X points)
Best ForLuxury & Concierge ServicesHigh Net-Worth Individuals
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAmex PlatinumHDFC Infinia
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Amex Platinum Charge Card if:

    Choose HDFC Infinia Metal Edition if:

    • Lower annual fee (₹12,500 vs ₹66,000)
    • You spend heavily on domestic travel

    Full pros & cons

    Amex Platinum Charge Card

    What's good
    • Unmatched global lifestyle and lounge benefits
    • Metal card — premium physical experience
    • Fine Hotels & Resorts access with daily breakfast and upgrades
    Watch out for
    • Exorbitant ₹66,000 annual fee
    • Charge card — full monthly balance payment required, no revolving credit
    Apply Now

    HDFC Infinia Metal Edition

    What's good
    • Unlimited domestic and international lounge access for all add-on members
    • Best-in-class travel rewards via HDFC SmartBuy (5X points on flights & hotels)
    • Comprehensive concierge and lifestyle benefits
    Watch out for
    • Strictly invite-only — no open application
    • Very high ₹10L annual spend criterion for fee waiver
    • Redemption requests capped at 5/month (February 2026) — limits booking flexibility for high-spend cardholders
    • From April 2026, requires ₹18L annual spend or ₹50L relationship value to retain the card
    Apply Now
    Browse all cards·Try the card recommender →