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HDFC Bank Infinia Metal Edition vs IndusInd Bank Avios Visa Infinite Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Infinia Metal Edition and the IndusInd Bank Avios Visa Infinite. Verify fees, lounge access, forex markup, and base rewards before you apply.

Infinia Metal Edition
Avios Visa Infinite

The short answer

Verdict

Pick Infinia Metal Edition for lounge access.

Pick Avios Visa Infinite for travel and spending abroad.

Head-to-head

Three core metrics
  • Annual fee
    Infinia Metal Edition ₹12,500 Waivable at ₹10,00,000 or more spend
    Avios Visa Infinite ₹10,000 Annual-fee waiver not offered
    Avios Visa Infinite saves ₹2,500/yr
  • Forex markup
    Infinia Metal Edition 2%
    Avios Visa Infinite 1.5%
    Avios Visa Infinite saves ~₹500 per ₹1L abroad
  • Domestic lounge
    Infinia Metal Edition Unlimited
    Avios Visa Infinite 8/year (2 per quarter)
    Infinia Metal Edition has unlimited domestic visits

Reward earning explained

Per card
Infinia Metal Edition

5 pts / ₹150 · Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy

Strong data
Avios Visa Infinite

1.5 pts / ₹100 · Up to 6 pts / ₹200 on international spend

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Infinia Metal Edition: ₹12,500 vs IndusInd Bank Avios Visa Infinite: ₹10,000), forex markup (2% vs 1.5%), or lounge access (Unlimited vs 8/year (2 per quarter)).

  • Travel IndusInd Bank Avios Visa Infinite wins

    IndusInd Bank Avios Visa Infinite is better for travel

    IndusInd Bank Avios Visa Infinite is stronger here. IndusInd Bank Avios Visa Infinite is cheaper for international spend (1.5% vs 2% forex).

  • Forex markup IndusInd Bank Avios Visa Infinite wins

    IndusInd Bank Avios Visa Infinite is better for forex

    IndusInd Bank Avios Visa Infinite is stronger here. IndusInd Bank Avios Visa Infinite has a lower forex markup (1.5% vs 2%).

  • Lounge access HDFC Bank Infinia Metal Edition wins

    HDFC Bank Infinia Metal Edition is better for lounge access

    HDFC Bank Infinia Metal Edition is stronger here. HDFC Bank Infinia Metal Edition offers unlimited domestic lounge visits versus 8 per year.

  • Rewards Tie

    Both cards are similar for rewards

    HDFC Bank Infinia Metal Edition conservative base value ~1% vs IndusInd Bank Avios Visa Infinite's ~1.2%. IndusInd Bank Avios Visa Infinite conservative base value ~1.2% vs HDFC Bank Infinia Metal Edition's ~1%.

View HDFC Bank Infinia Metal Edition → View IndusInd Bank Avios Visa Infinite → See more rankings →

All fields

Example usage at this monthly spend

At ₹50k/month spend:

  • IndusInd Bank Avios Visa Infinite: ~₹600/month at base rate
  • Infinia Metal Edition: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field Infinia Metal Edition HDFC Bank Avios Visa Infinite IndusInd Bank
Insurance — Air accident cover
Only available for Infinia Metal Edition
 ₹3 crore Not specified
Insurance — Emergency medical cover
Only available for Infinia Metal Edition
 ₹50 lakh Not specified
Lounge Access
Domestic lounge visits
Unlimited vs 8/year (2 per quarter)
 Unlimited 8/year (2 per quarter)
International lounge visits
Unlimited vs 2 per quarter
 Unlimited 2 per quarter
Forex / International Use
Forex markup
Same forex; compare fee and lounge rows.
2% vs 1.5%
 2% 1.5%
Fees
Recurring annual fee
₹12,500 vs ₹10,000
 ₹12,500 ₹10,000
First-year cost
Only available for Infinia Metal Edition
 ₹12,500 Not specified
Annual-fee waiver
₹10,00,000 or more vs Not offered
 ₹10,00,000 or more Not offered
Interest-free period
Only available for Infinia Metal Edition
 Up to 50 days Not specified
Monthly interest rate
Only available for Infinia Metal Edition
 1.99% / month Not specified
Late-payment charge
Only available for Infinia Metal Edition
 ₹100–₹1,300 depending on outstanding balance Not specified
Fuel benefit
1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded vs Surcharge waiver available · ₹400+ transactions · Fuel rewards excluded
 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded Surcharge waiver available · ₹400+ transactions · Fuel rewards excluded
Rewards
Base earn
5 pts / ₹150 vs 1.5 pts / ₹100
 5 pts / ₹150 1.5 pts / ₹100
Conservative base value
~1% vs ~1.2%
 ~1% ~1.2%
Earn ceiling
15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend vs Not stated
 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend Not stated
Point value (headline channel)
Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option.
Only available for Infinia Metal Edition
 ₹1 Not specified
Point validity
Only available for Infinia Metal Edition
 3 years Not specified

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Related comparisons

Next useful checks

HDFC Bank Infinia Metal Edition

Verify with issuer , opens external site

IndusInd Bank Avios Visa Infinite

Verify with issuer , opens external site
Data refreshed through 3 Sept 2026 moneymatters.cards Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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