Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs ICICI Coral Credit Card vs Kotak White Credit Card
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, ICICI Coral Credit Card, Kotak White Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, ICICI Coral Credit Card ranks first for estimated net annual value — ahead of Kotak White Credit Card by about ₹10/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | ICICI Coral Credit Card ICICI Bank | Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹500 | ₹3,000 |
| Fee waiver threshold | ₹10,00,000/yr | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹30,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹90/yr | ₹80/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5 RP/₹150 | 2 RP/₹100 | 2X reward points |
| Primary reward cap | No monthly cap published | ₹100/ticket | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- ICICI Coral Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- ICICI Coral Credit Card leads with an estimated ₹90/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- ICICI Coral Credit Card lists a minimum monthly income of ₹30,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
HDFC Bank Infinia Credit Card
HDFC Bank
ICICI Coral Credit Card
ICICI Bank
Kotak White Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank | ICICI BankGold ICICI Coral Credit Card •••• •••• •••• 4242 Quick facts ICICI Coral Credit Card Top reward2 RP/₹100 Annual fee₹500 Min income₹30,000/mo Tap to flip back ICICI Coral Credit Card ICICI Bank | Kotak Mahindra BankPlatinum Kotak White Credit Card •••• •••• •••• 4242 Quick facts Kotak White Credit Card Top reward2X reward points Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Kotak White Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹500 | ₹3,000 |
| Fee waiver threshold | ₹10,00,000/yr | No waiver published | Waived at ₹4,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹30,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹4,128/yr | ₹90/yr | ₹80/yr |
| Travel | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5 RP/₹150 | 2 RP/₹100 | 2X reward points |
| Primary reward cap | No monthly cap published | ₹100/ticket | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Railway lounge access at select stations · Complimentary railway lounge — no spend gate stated in public T&Cs | Domestic lounge access — verify visit count on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/hdfc-infinia-vs-icici-coral-vs-kotak-whiteMore HDFC Bank Infinia Credit Card comparisons
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