Updated 2026
Best Rewards Cards
Annual Fee
Network
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Showing 14 of 14 cards
HDFC Infinia Metal
SponsoredHDFC Bank · Visa
Annual Fee
₹12,500
Reward Rate
5X
Lounge
∞6
✓Unlimited domestic and international airport lounge access via Priority Pass
✓5X reward points on Swiggy, Zomato, Myntra, Nykaa and Apple
✓10X on flights and hotels via HDFC SmartBuy portal
✓Air accident cover Rs.3 Crore + overseas medical Rs.50 Lakh
✓12 EDGE Miles per Rs.200 on travel spends
✓Tier-based milestone bonuses (Silver/Gold/Platinum)
✓Annual fee waived at Rs.7.5 Lakh spend
✓Transfer to Singapore KrisFlyer, Air India and Marriott Bonvoy
Amex Membership Rewards Gold
American Express · Amex
Annual Fee
₹1,000
Reward Rate
1X
Lounge
00
✓5X Membership Rewards points on Amex Travel and select partners
✓Accumulated points transfer to Air India, Singapore KrisFlyer, Hilton and more
✓Annual fee waived at Rs.1.5L spend in year one
✓18 Karat and 24 Karat bonus programs for consistent monthly spenders
✓12 domestic lounge visits
✓4 international lounge visits
✓8X on dining and travel
✓Cleartrip premium membership
✓8 domestic lounge visits/year
✓2 international lounge visits
✓4X on dining and online
✓Golf privileges
✓5X reward points on Swiggy, Zomato, Myntra and Nykaa (6.7% effective return)
✓Priority Pass — 12 domestic + 6 international lounge visits per year
✓Annual fee waived at Rs.4 Lakh spend
✓10X points on flights and hotels via HDFC SmartBuy portal
✓Unlimited domestic and international lounge access
✓Complimentary golf rounds at select courses across India
✓Lifestyle concierge available 24/7
✓Comprehensive travel insurance package
✓High rewards on travel & dining
✓Domestic lounge access
✓Welcome bonus points
✓Annual fee waived on spend
✓EDGE Points on all spends
✓Domestic lounge access
✓Fuel surcharge waiver
✓Annual fee waived on spend
✓Dining & shopping rewards
✓Movie ticket offers
✓2 domestic lounge visits/year
✓Fee waived at ₹2.5L spend
✓Points on all spends
✓Domestic lounge access
✓Annual fee waived on spend
✓Good dining rewards
✓5% cashback on online spends (Amazon, Flipkart, etc.)
✓1% on other spends
✓4 domestic lounge visits/year
✓Fuel surcharge waiver
✓10X points on SmartBuy & partners
✓Zero annual fee
✓4 domestic lounge visits/year
✓Strong dining & shopping rewards
✓4 domestic lounge visits/year
✓Dining discounts up to 20%
✓Fee waived at ₹3L spend