HDFC Bank)))
DCB METAL
•••• •••• •••• 4019
HDFC BANK
HDFC Diners Club Black Metal
KREDO PRODUCT SCORE—/100
Score unavailable.
01 YOUR CREDIT, DECODED
Keep the cards
that earn.
We model your actual spend—not generic “best card” lists—to find the highest net reward value you can realistically access.
33Cards tracked
18Issuers indexed
27.08.26Last fact check
HDFC Bank)))
INFINIA
•••• •••• •••• 4019
American Express)))
PLATINUM
•••• •••• •••• 4019
PROJECTED NET VALUE₹2,43,400modelled upside · across 3 premium cards
94match
score
score
SCROLL TO EXPLORE ↓
ONLINE SPEND ₹18,000
TRAVEL ₹15,000
CIBIL 760
CURRENT LIMIT ₹5,00,000
02 RECOMMENDATION ENGINE
Your highest-value matches.
Ranked on net annual value after fees, approval fit, reward caps and your preferred redemption style.
UPI priority active · the two highest-value eligible UPI specialists are included in your leading recommendations.
↗
Your matches start with your data.
VS QUICK CARD COMPARISON
Two cards. Facts beside facts.
This is a lightweight comparison—not an AI stack score. Use it to inspect two products before deciding whether either belongs in your portfolio.
VS
HDFC Bank)))
INFINIA
•••• •••• •••• 4019
HDFC BANK
HDFC INFINIA Metal Edition
KREDO PRODUCT SCORE—/100
Score unavailable.
Estimated net value
₹37,400
₹68,400
Annual fee
₹10,000 + GST
₹12,500 + GST
Headline rewards
5 RP / ₹150 base · select transfers at 1:1
5 RP / ₹150 base
Transfer partners
Air Canada Aeroplan · AirAsia Rewards · Air India Maharaja Club · Avianca LifeMiles · British Airways Executive Club · Cathay Pacific Asia Miles · Etihad Guest · Finnair Plus · Flying Blue · Qatar Airways Privilege Club · Singapore Airlines KrisFlyer · SpiceClub · Thai Royal Orchid Plus · Turkish Miles&Smiles · United MileagePlus · Vietnam Airlines LotusMiles · Accor ALL · IHG One Rewards · Wyndham Rewards · Marriott Bonvoy · Club ITC · Radisson Rewards
Air India · KrisFlyer · Flying Blue · Accor · Marriott Bonvoy
Transfer ratios
Air Canada Aeroplan 2:1 · AirAsia Rewards 1:1 · Air India Maharaja Club 2:1 · Avianca LifeMiles 2:1 · British Airways Executive Club 2:1 · Cathay Pacific Asia Miles 2:1 · Etihad Guest 2:1 · Finnair Plus 1:1 · Flying Blue 1:1 · Qatar Airways Privilege Club 2:1 · Singapore Airlines KrisFlyer 1:1 · SpiceClub 1:1 · Thai Royal Orchid Plus 2:1 · Turkish Miles&Smiles 2:1 · United MileagePlus 2:1 · Vietnam Airlines LotusMiles 1:1 · Accor ALL 2:1 · IHG One Rewards 1:1 · Wyndham Rewards 1:1 · Marriott Bonvoy 2:1 · Club ITC 2:1 · Radisson Rewards 1:1
Air India 1 RP : 1 airline mile · KrisFlyer 2 RP : 1 hotel point · Flying Blue ratio not listed · Accor ratio not listed · Marriott Bonvoy ratio not listed
Best transfer
Run unavailable
Run unavailable
Forex markup
2%
2%
CIBIL guide
780+
790+
Income guide
₹21,00,000 / year
₹36,00,000 / year
Best suited for
Premium travel · SmartBuy
Luxury travel · SmartBuy · Unlimited lounge
Lounge
Unlimited airport lounge access for primary and add-on members, subject to bank terms.
Unlimited airport lounge access under the current INFINIA programme.
Milestone
10,000 bonus points on ₹4L eligible spend in a calendar quarter.
Renewal fee waived after ₹10L eligible spend in the preceding 12 months.
Availability
Applications open
Invitation / relationship
QUICK READ
INFINIA leads the catalogue net-value estimate. DCB METAL has the lower annual fee, while DCB METAL has the lower forex markup. Use the issuer links for final terms; this comparison does not change your AI stack.
03 PORTFOLIO LAB
Cards work better
as a system.
Combine up to four cards. We’ll expose category overlap, fee drag and exactly which card to use for every rupee.
Open portfolio lab ↗SELECTED0/4
COMBINED NET₹0
NEXTADD CARDS
04 THE METHOD
No affiliate
rankings.
Just math.
01
FILTER
Income, employment and credit profile remove unrealistic approvals.
02
MODEL
Every spend category is tested against caps, exclusions and milestones.
03
PRICE
Fees and forex drag are deducted from the estimated reward value.
04
EXPLAIN
The score includes a plain-language reason and application confidence.
Estimates are decision-support, not financial advice or a guarantee of approval. Issuers can change benefits and availability without notice. Always confirm final terms on the linked issuer page before applying.