HDFC Infinia Metal Edition vs Kotak Solitaire
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Infinia Metal Edition wins 3 of 8 dimensions with a CardTrail Score of 8.9/10 vs 8.8/10.
| Feature | HDFC Infinia Metal Edition | Kotak Solitaire |
|---|---|---|
| CardTrail Score | 8.9/10 | 8.8/10 |
| Annual Fee | ₹12,500 | ₹25,000 |
| Base Reward Rate | 3.3% | 3% |
| Max Reward Rate | 10% | 10% |
| Forex Markup | 2% | Zero |
| Domestic Lounges | -1 | Unlimited |
| International Lounges | -1 | Unlimited |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Visa Signature |
When to Choose HDFC Infinia Metal Edition
- You can meet the fee waiver condition: Spend ₹10L/year
- Your primary spend is: travel, luxury, high-spender
When to Choose Kotak Solitaire
- You can meet the fee waiver condition: Free for Solitaire program members
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- Airport lounge access matters — unlimited domestic visits
- Your primary spend is: travel, dining
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Infinia Metal Edition costs ₹2,360 in forex fees vs Kotak Solitaire at ₹0. You save ₹2,360/year with Kotak Solitaire.
Annual Fee Value Analysis
To break even on HDFC Infinia Metal Edition's ₹12,500 fee at 3.3% rewards, spend ₹31,566/month.
To break even on Kotak Solitaire's ₹25,000 fee at 3% rewards, spend ₹69,444/month.