Compare PNB LUXURA RuPay Metal Credit Card and HDFC Bank Infinia Metal Edition Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
High-income travelers who can use unlimited lounges, zero forex markup and premium hospitality benefits enough to justify the large fee exposure.
Very high-spend travelers who can extract real value from premium travel, concierge, hotel, golf and high-value reward redemptions.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/pnb-luxura-rupay-metal-credit-card-vs-hdfc-infinia-metal/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | PNB LUXURA RuPay Metal Credit Card | HDFC Bank Infinia Metal Edition Credit Card |
|---|---|---|
| Joining fee | ₹9,000 + GST; product page says the fee is charged if first-three-cycle spend is below ₹2.5 lakh or the activated card closes within 90 days | ₹12,500 + applicable taxes for Infinia Metal Edition cards sourced after 18 October 2021. |
| Annual fee | ₹7,500 + GST | ₹12,500 + applicable taxes for the current Infinia Metal Edition structure. |
| Fee waiver | PNB’s live product page states annual-fee waiver above ₹8 lakh annual spend; a separate MITC snapshot has published a different threshold, so the live application disclosure should control | Renewal fee waived at ₹10 lakh or more annual spends before the renewal date for cards sourced after 18 October 2021. |
| Rewards | 4 Reward Points per ₹100 on eligible spend, with 3X Reward Points on travel and dining plus milestone rewards | 5 Reward Points per ₹150 on eligible spends; up to 10X Reward Points on SmartBuy |
| Lounge | Unlimited complimentary domestic and international airport lounge access on the reviewed PNB product page | Unlimited complimentary domestic airport-lounge access for primary and add-on cardholders using the Infinia card, plus complimentary Priority Pass lounge access outside India for primary and add-on Priority Pass holders; guest visits are chargeable under current lounge terms. |
| Forex markup | Nil forex markup | 2% foreign-currency transaction markup under the current HDFC Bank fee schedule for Infinia Metal Edition. |
| Network | RuPay Ekaa / current LUXURA RuPay metal variant | Visa Infinite |
| Eligibility / approval | PNB lists age 21–70, salaried gross monthly income of at least ₹1.5 lakh or non-salaried annual income of at least ₹18 lakh; a fixed-deposit route is also published | Premium invitation/underwriting relationship; approval remains at HDFC Bank discretion |
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Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 11, 2026 · 4 attached first-party sources