Refpo Credit Cards
Best Credit Cards in India
Browse country-specific cards and compare fees, rewards, and benefits.
कार्ड तुलना करें
कार्ड तुलना करें
| Field | HDFC infinia metal credit card | IDFC FIRST millennia credit card |
|---|---|---|
| Bank/provider | HDFC bank | IDFC bank |
| जॉइनिंग फीस | ₹12,500 + gst | 0 |
| रिन्यूअल फीस | ₹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 |
| रिवॉर्ड रेट | 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 |
| कैशबैक | High-value reward points redemption on flights, hotels, Apple products, vouchers, and SmartBuy bookings | Earn reward points on spending instead of direct cashback benefits |
| लाउंज एक्सेस | Unlimited Included domestic and international airport lounge access with Priority Pass membership | Included railway lounge access on eligible transactions |
| फ्यूल सरचार्ज छूट | 1% fuel surcharge waiver on eligible fuel transactions across India | 1% fuel surcharge waiver on eligible fuel transactions |
| वेलकम बेनिफिट | 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 |
| वार्षिक फीस छूट | Annual fee waived on achieving eligible yearly spending milestones | No joining fee and no annual fee for lifetime |
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| आवेदन लिंक | आवेदन करें | आवेदन करें |
FAQs
Common questions
How do I choose the best credit card?
Choose a credit card based on spending pattern, annual fees, joining benefits, reward value, eligibility, and waiver conditions.