Refpo Credit Cards
Best Credit Cards
Browse credit cards added by Refpo, compare fees and rewards, and review source-backed details before applying.
Compare
Compare Cards
| Field | HDFC infinia metal credit card | IDFC FIRST millennia credit card |
|---|---|---|
| Bank/provider | HDFC bank | IDFC bank |
| Joining fee | ₹12,500 + gst | 0 |
| Renewal fee | ₹12,500 + gst | 0 |
| Best for | Luxury travel, premium rewards, airport lounge access, dining, and high-spending users | Online shopping, dining, everyday spending, and lifestyle rewards |
| Reward rate | Earn 5 Reward Points for every ₹150 spent and up to 10X rewards on SmartBuy purchases | Earn reward points on every spend with accelerated rewards on select categories and merchants |
| Cashback | High-value reward points redemption on flights, hotels, Apple products, vouchers, and SmartBuy bookings | Earn reward points on spending instead of direct cashback benefits |
| Lounge access | Unlimited Included domestic and international airport lounge access with Priority Pass membership | Included railway lounge access on eligible transactions |
| Fuel surcharge waiver | 1% fuel surcharge waiver on eligible fuel transactions across India | 1% fuel surcharge waiver on eligible fuel transactions |
| Welcome benefit | Get 12,500 welcome reward points and complimentary Club Marriott membership on eligible activation | Enjoy welcome offers and bonus rewards on eligible card activation and spending |
| Annual fee waiver condition | Annual fee waived on achieving eligible yearly spending milestones | No joining fee and no annual fee for lifetime |
| Eligibility |
|
|
| Apply link | Apply Now | Apply Now |
FAQs
Common questions
How do I choose the best credit card?
Choose a credit card based on your main spending pattern, annual fees, joining benefits, reward value, eligibility, and any waiver conditions. A card is usually best when its benefits are worth more than its fees for your actual usage.
Which credit card is best for beginners?
Beginners usually benefit from low-fee or lifetime-free cards with simple cashback, easy eligibility, and clear reward redemption rules.
What is the difference between joining fees and renewal fees?
Joining fees are charged when the card is issued. Renewal fees are charged every year after that, unless the bank waives them based on spending or a card-specific offer.
Are lifetime-free credit cards really free?
Lifetime-free cards generally do not charge joining or annual renewal fees, but other charges such as interest, late payment fees, cash withdrawal fees, or forex markup may still apply.
Does applying for a credit card affect my credit score?
A credit card application can create a hard enquiry on your credit report. One enquiry usually has a small impact, but many applications in a short period can affect approval chances.
How should I use a credit card safely?
Pay the full bill before the due date, avoid cash withdrawals, keep credit utilization low, review fees before applying, and use the card mainly for planned purchases.