DBS Vantage vs HDFC Infinia
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Infinia wins 4 of 8 dimensions with a CardTrail Score of 8.9/10 vs 8.7/10.
| Feature | DBS Vantage | HDFC Infinia |
|---|---|---|
| CardTrail Score | 8.7/10 | 8.9/10 |
| Annual Fee | ₹50,000 | ₹12,500 |
| Base Reward Rate | 2% | 3.3% |
| Max Reward Rate | 4% | 10% |
| Forex Markup | 1.75% | 2% |
| Domestic Lounges | -1 | -1 |
| International Lounges | -1 | -1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Infinite |
When to Choose DBS Vantage
- You can meet the fee waiver condition: Spend Rs 10L/year
- You travel internationally — saves ₹250/year on ₹1L forex spend
- Your primary spend is: travel, forex, premium
When to Choose HDFC Infinia
- You can meet the fee waiver condition: Spend ₹10L/year
- You want higher rewards — up to 10% vs 4%
- Your primary spend is: travel, luxury, high-spender
Forex Cost Comparison
On ₹1,00,000 annual international spending: DBS Vantage costs ₹2,065 in forex fees vs HDFC Infinia at ₹2,360. You save ₹295/year with DBS Vantage.
Annual Fee Value Analysis
To break even on DBS Vantage's ₹50,000 fee at 2% rewards, spend ₹2,08,333/month.
To break even on HDFC Infinia's ₹12,500 fee at 3.3% rewards, spend ₹31,566/month.