IDFC First Private Credit Card vs HDFC Infinia Credit CardIDFC First Private Credit Card vs HDFC Infinia Credit Card

IDFC First Private vs HDFC Infinia Credit Card

IDFC First Bank introduced its prestigious First Private credit card last year, representing the epitome of high-end banking services. Reserved for high net-worth individuals, it boasts an exclusive invite-only system with a steep Rs. 50,000 joining fee. The card provides unparalleled benefits across diverse spending categories, featuring a remarkable 10x reward points program. Additionally, it introduces Karma Points, allowing charitable contributions from your spends.

Likewise, the HDFC Bank Infinia card is an exclusive super-premium offering available only by invitation, requiring a membership fee of Rs. 12,500 upon joining. Reserved for select individuals with a substantial net worth and strong bank ties, it offers a plethora of top-tier privileges in travel, dining, lifestyle, and shopping. The card also awards 5 reward points per Rs. 150 spent, enhancing its allure.

Features and Benefits of IDFC First Private Credit Card and HDFC Infinia Credit Card

IDFC First Private Credit Card:

  1. Super-premium, invite-only card with a high annual fee of Rs. 50,000.
  2. Earn 6 reward points per Rs. 100, 3 points on offline spends.
  3. Bonus 10 points post Rs. 30,000 monthly spend milestone and on birthdays.
  4. Extra 25% reward points on charity donations; Karma Points system.
  5. Redeem points for flights, hotels, cashback, products/vouchers, with a redemption fee.
  6. 16 complimentary lounge accesses and 4 spa sessions per year.
  7. Visa Infinite privileges: Meet & Greet, Affluent Dining, Airport Limousine Transfer.
  8. Rs. 750 discount on non-movie and movie ticket bookings through BookMyShow.
  9. Complimentary golf round, lesson, and lessons on Rs. 20,000 monthly spend.
  10. Insurance coverage, 1% fuel surcharge waiver (max Rs. 400/month), and no forex markup.

HDFC Infinia Credit Card:

  1. Exclusive and invite-only card for high-net-worth individuals.
  2. Welcome bonus of 12,500 reward points on paying the joining fee.
  3. Earn 5 reward points per Rs. 150 on most spends, except fuel.
  4. Earn accelerated points on purchases made for hotels, flights, and Flipkart through Smartbuy.
  5. Redeem points for products, vouchers, flights, hotels, Airmiles, or cashback.
  6. Priority Pass for complimentary domestic and international lounge access.
  7. Club Marriott membership for one year and stay benefits at ITC hotels.
  8. Up to 25% discount at 2000+ restaurants through Good Food Trail.
  9. 24*7 global concierge service and comprehensive insurance coverage.
  10. You won’t have to pay a joining fee if you spend Rs. 10 Lakhs within the anniversary year of your card membership.

Comparison between IDFC First Private Credit Card and HDFC Infinia Credit Card

IDFC First Private Credit Card:

  • Joining/Annual Fee: Rs. 50,000 plus taxes
  • Welcome Benefits: Not applicable
  • Reward Earning: 3 RPs per Rs. 100 offline, 6 RPs online, 10 RPs on incremental spends above Rs. 30,000
  • Reward Redemption: RPs for flight/hotel bookings, products/vouchers, etc.
  • Travel Benefits: 16 lounge access (max 4 per quarter), complimentary spa sessions
  • Dining/Movie Benefits: Rs. 750 discount on BookMyShow
  • Golf Benefits: 2 complimentary golf rounds per month
  • Renewal Fee Waiver: Not applicable
  • Forex Markup Fee: No Forex Markup Fee

HDFC Infinia Credit Card:

  • Joining/Annual Fee: Rs. 12,500 plus taxes
  • Welcome Benefits: Bonus 12,500 reward points, Club Marriott membership for one year
  • Reward Earning: 5 RPs per Rs. 150 spent, up to 10x RPs on Smartbuy
  • Reward Redemption: RPs for hotel/flight bookings, products, vouchers, Airmiles, cashback
  • Travel Benefits: Lounge access, Priority Pass, Club Marriott, 2+1 night stay at ITC hotels
  • Dining/Movie Benefits: Good Food Trail, 1+1 buffet at ITC hotels, Rs. 750 BMS discount
  • Golf Benefits: Unlimited golf rounds at top courses globally
  • Renewal Fee Waiver: On spending Rs. 10 Lakhs or more in card anniversary year
  • Forex Markup Fee: 2% of the transaction amount

Which credit card suits you best?

  • IDFC First Private and HDFC Infinia are exclusive, invite-only credit cards in India.
  • Packed with elite benefits in dining, travel, shopping, and more.
  • First Private earns Karma Points for charity; Infinia has a low 2% forex markup fee.
  • Choosing between them is challenging due to their top-notch features and rewards.
  • However, considering fees, Infinia’s Rs. 12,500 joining fee is lower than First Private’s Rs. 50,000 annual fee.
  • Our recommendation leans towards HDFC Infinia for its cost-effectiveness.

Frequently Asked Questions (FAQs)

  1. Are both the IDFC First Private and HDFC Infinia credit cards accessible to the general public?
    • No, both are invite-only credit cards and not accessible to everyone.
  2. What benefits do these cards offer in various categories like dining, travel, and shopping?
    • Both cards provide elite-level benefits across multiple categories, including dining, travel, and shopping.
  3. Do these credit cards have any unique features?
    • Yes, IDFC First Private allows users to earn Karma Points for charity, while HDFC Infinia offers a low 2% forex markup fee.
  4. How do the forex markup fees differ between the two cards?
    • HDFC Infinia charges a 2% forex markup fee, whereas IDFC First Private does not impose any forex markup fee.
  5. What is the deciding factor when choosing between IDFC First Private and HDFC Infinia?
    • Individual preferences play a significant role, yet when analyzing costs, it’s noteworthy that HDFC Infinia boasts a lower initial joining fee in contrast to the annual fee charged by IDFC First Private.
  6. Can I apply for these cards without an invitation?
    • No, both cards require a personal invitation from the respective banks for application.
  7. How do the reward rates differ between the IDFC First Private credit card and the HDFC Infinia credit card?
    • Both cards offer excellent reward rates, and you can redeem points for a variety of choices.
  8. What is the initial membership cost for HDFC Infinia, and what is the yearly fee for IDFC First Private?
    • HDFC Infinia has a Rs. 12,500 joining fee, whereas IDFC First Private has a higher Rs. 50,000 annual fee.
  9. Are there any other factors to consider while choosing between these two cards?
    • Individual preferences, lifestyle, and the specific benefits that align with your needs can influence the choice.
  10. Is there a suggested choice between IDFC First Private and HDFC Infinia?
    • While both cards have strong features, our recommendation leans towards HDFC Infinia due to its lower joining fee.

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