HDFC Infinia Card vs Amex Platinum Credit Card
Last Updated : March 10, 2025, 2:52 p.m.
HDFC Bank and American Express Bank are two of the most renowned banking institutions. Both institutions have a premium category of best credit cards , and those cards are offered to their elite customers. The HDFC Infinia card and Amex Platinum card fall under this premium category. So, which is the better card and which one should you choose? For this, let us do an analysis of HDFC Infinia Credit Card Versus Amex Platinum Credit Card and then make a well-informed decision. Before you apply for a credit card, do a CIBIL score check for free on Wishfin’s portal. Also view your CIBIL report in detail on Wishfin.
Comparison of HDFC Infinia Credit Card and Amex Platinum Credit Card
| Parameter | HDFC Infinia Credit Card | Amex Platinum Credit Card |
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Welcome benefits |
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Reward points |
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Rewards redemption |
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Milestone benefits |
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Traveling benefits |
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Lifestyle benefits |
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Hotel benefits |
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Insurance Cover |
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Forex Mark up fee |
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Comparison of Fee and Other Charges of the HDFC Infinia Card and Amex Platinum Credit Card
The offers are not enough to make a choice between the two credit cards. Therefore you must go through the fees and other charges that are present on both the credit cards .
| Fee | HDFC Infinia Credit Card | Amex Platinum Credit Card |
|---|---|---|
Joining fees |
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Renewal fees |
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Renewal fee waiver |
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Add on card fee |
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Late payment fees |
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Cash advance amount |
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Eligibility Criteria of Both the Cards
| HDFC Infinia Credit Card | Amex Platinum Credit Card |
|---|---|
The Infinia credit cards are offered through an invitation to their potential customers. | Minimum age: 18 years |
Occupation: Salaried or self-employed | |
Minimum income: Rs. 25 lakhs p.a. for the salaried and Rs. 15 lakhs p.a. for the self-employed. | |
Must have a savings or current account in an Indian or MNC bank |
Which Card to Choose?
After reading HDFC Infinia credit card versus Amex Platinum Credit Card? You would get an insight into various features of both. So, now which card to choose? The Amex Platinum credit card is worth it if you often travel abroad, frequently stay in 5 star properties and would like to save on these accommodations, spend high and want a charge card without a pre-established limit. Even though this card charges high, if you use it judiciously, you can obtain much more than what you pay for it. If you are a high spender and earn considerable reward points, then this card is a great one to have in your purse. Since it does not have a pre-set credit limit, users are equipped with a higher purchasing power. You can easily avail the airline and hotel benefits multiple times in a year to compensate for the annual fee.
The HDFC Infinia credit card is also similar and offers an excellent reward rate, excellent hotel and travel benefits, lounge access, lifestyle perks, golf benefits, etc. It not only enables users to earn good rewards but also allows them to redeem these points for travel bookings (In the ratio of 1:1) across some reputed airlines or against luxurious brand products. So, finally, whichever card you choose, it is highly beneficial for travel and lifestyle.
Take Away
After looking at the comparison between HDFC Infinia Card and Amex Platinum card you can figure out the key features of both the cards. Now, it will be easier for you to make a choice between these two credit cards. Firstly, it is necessary to self-scan the yearly expenses and then figure a way out to make the optimum utilization of the card. See, whether the HDFC Credit Cards are better or the Amex Credit Card wins the race. It is up to you to make an accurate decision between the two.
Frequently Asked Questions (FAQs)
