HDFC BizBlack Metal Card vs Kotak Infinite Credit Card: super premium cards compared
HDFC BizBlack Metal Card costs ₹10,000 a year to keep; Kotak Infinite Credit Card costs ₹30,000. On most spends, HDFC BizBlack Metal Card returns about 3.33% and Kotak Infinite Credit Card about 2.00%. The income needed to apply is ₹21,00,000 a year for HDFC BizBlack Metal Card and ₹60,00,000 for Kotak Infinite Credit Card.
| HDFC BizBlack Metal Card | Kotak Infinite Credit Card | |
|---|---|---|
| Issuer | HDFC Bank | Kotak Mahindra Bank |
| Network | Diners Club | Visa |
| Joining fee | ₹10,000 | ₹30,000 |
| Annual fee | ₹10,000 | ₹30,000 |
| Base return on spends | 3.33% | 2.00% |
| Domestic lounges | Not stated | Not stated |
| International lounges | Not stated | Not stated |
| Minimum income | ₹21,00,000 a year | ₹60,00,000 a year |
| Best for | government, utilities, travel, telecom | travel, entertainment, dining |
How to read this
Fees, lounge access and eligibility come from each issuer's own documents. The base return is what most everyday spends earn after converting points to rupees, before category bonuses and caps. Qrates takes no commission from any issuer.
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