Credit CardsComparisons

AU Bank Zenith+ Credit Card vs HDFC Infinia Metal Edition

A head-to-head comparison of AU Bank Zenith+ Credit Card and HDFC Infinia Metal Edition across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

AU Bank Zenith+ Credit Card

Super-Premium Lounge Access & International Travel

Annual Fee

₹4,999

Reward Rate

2 RP per ₹100 on travel & dining (~0.5% at standard redemption)

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PremiumCard B

HDFC Infinia Metal Edition

High Net-Worth Individuals

Annual Fee

₹12,500

Reward Rate

Up to 33% via SmartBuy (5X points)

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Feature comparison

Feature	AU Bank	HDFC Infinia
Annual Fee	₹4,999 + GST (₹5,000 welcome voucher offsets year-1 fee; year-2+ waived on ₹8L annual spend)	₹12,500 (Waived on ₹10L spend; retention now requires ₹18L spend or ₹50L relationship value)
Reward Rate	2 RP per ₹100 on travel & dining (~0.5% at standard redemption)	Up to 33% via SmartBuy (5X points)
Best For	Super-Premium Lounge Access & International Travel	High Net-Worth Individuals
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

Category	AU Bank	HDFC Infinia
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose AU Bank Zenith+ Credit Card if:

Lower annual fee (₹4,999 vs ₹12,500)

Choose HDFC Infinia Metal Edition if:

Full pros & cons

AU Bank Zenith+ Credit Card

What's good

16 domestic lounge visits/year (4/quarter) + 16 international lounge visits/year via Priority Pass
0.99% forex markup — one of the lowest on any Indian credit card
₹5,000 luxury welcome voucher on activation — effectively makes year-1 fee-free
Airport meet-and-assist service on arrival and departure
2 railway lounge visits/quarter (no spend trigger); ₹2 crore air accident insurance

Watch out for

₹8L annual spend required for fee waiver from year 2 — extremely high bar
Standard reward rate (~0.5% effective) is unimpressive for a ₹5K-fee card — reward earning is not the selling point
₹99 + GST redemption fee per transaction reduces effective rewards value
Caution: the regular Zenith card underwent a major devaluation in January 2026 — ensure you apply for Zenith+, not the standard Zenith

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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

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