Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
HDFC Infinia Metal Edition vs IDFC FIRST Wealth Credit Card for ₹15,000 Monthly Spend
Comparing HDFC Infinia Metal Edition vs IDFC FIRST Wealth Credit Card at ₹15,000/month. IDFC FIRST Wealth Credit Card wins, delivering ₹2,727 net annual value (1.52% ROI) vs ₹-3,922 for HDFC Infinia Metal Edition.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹6,649/yr Higher Value
IDFC FIRST Wealth Credit Card
Delivers ₹2,727 net annual returns (1.52% ROI) vs -₹3,922 on HDFC Infinia Metal Edition.
Card A
HDFC Infinia Metal Edition
HDFC Bank
-₹3,922Net Annual Benefit
Gross Rewards:₹10,828/yr
Effective Fee (incl. GST):₹14,750
Net ROI on Spend:-2.18%
Fee Waiver Progress (10L target):18%
Card B
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
₹2,727Net Annual Benefit
Gross Rewards:₹2,727/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.52%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹1,800/year Extra YieldPair IDFC FIRST Wealth Credit Card + HSBC Live+ Credit Card
Pair IDFC FIRST Wealth Credit Card with HSBC Live+ Credit Card to capture up to ₹1,800/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | HDFC Infinia Metal Edition | IDFC FIRST Wealth Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹375 (9.99%) | ₹94 (2.5%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹75 (3.33%) | ₹17 (0.75%) |
| Electricity, Water, Gas & Broadband Bills | ₹1,800/mo | ₹60 (3.33%) | ₹14 (0.75%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹120 (6.66%) | ₹45 (2.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹50 (3.33%) | ₹23 (1.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver up to ₹1,000/mo on ₹400-₹1,00,000 transactions | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹198 (16.5%) | ₹30 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | ₹25 (3.33%) | ₹6 (0.75%) |
| House Rent & School/College FeesThird party rent transactions incur 1% fee; zero reward points earned | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (3.33%) | ₹0 (2.5%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +-₹3,922 | +₹2,727 |
Frequently Asked Questions
Which card is better between HDFC Infinia Metal Edition and IDFC FIRST Wealth Credit Card for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), IDFC FIRST Wealth Credit Card mathematically outperforms HDFC Infinia Metal Edition by ₹6,649/year. IDFC FIRST Wealth Credit Card delivers ₹2,727 net annual benefit (1.52% effective yield), while HDFC Infinia Metal Edition returns ₹-3,922 (-2.18% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: HDFC Infinia Metal Edition annual fee is payable at ₹14,750 (incl. 18% GST). IDFC FIRST Wealth Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, HDFC Infinia Metal Edition loses ₹0/year to monthly cashback caps, while IDFC FIRST Wealth Credit Card loses ₹0/year. HDFC Infinia Metal Edition remains uncapped at this spend. IDFC FIRST Wealth Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between HDFC Infinia Metal Edition and IDFC FIRST Wealth Credit Card?▼
The calculated crossover breakeven spend is ₹28,000/month, where higher-fee benefits overtake the lower-fee option.