# ICICI Times Black vs HDFC Infinia Metal

ICICI Times Black costs ₹20,000 a year and HDFC Infinia Metal ₹12,500. They differ on the forex markup, airport lounge access and transfer partners.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [ICICI Times Black](https://getbrief.cards/cards/icici-times-black), ICICI Bank
- [HDFC Infinia Metal](https://getbrief.cards/cards/hdfc-infinia-metal), HDFC Bank

| | ICICI Times Black | HDFC Infinia Metal |
|---|---|---|
| Annual fee | ₹20,000 + GST | ₹12,500 + GST |
| Fee waiver | Waived at ₹25,00,000 spend per card year | Waived at ₹10,00,000 spend per card year |
| Forex markup | 1.49% | 2% |
| On ₹1,00,000 spent abroad | ₹1,758 in markup and GST | ₹2,360 in markup and GST |
| Network | Visa | Visa |
| Everyday spend | 2 RP / ₹100 (2%) | 5 RP / ₹150 (3.33%) |
| Rewards in | ICICI Reward Points, ₹1 a point at the bank’s baseline | HDFC Reward Points, ₹1 a point at the bank’s baseline |
| Transfer partners | 1 programme | 10 programmes |
| Airport lounges | unlimited domestic and international visits | unlimited international visits · unlimited domestic visits |
| Statuses it opens | GHA Discovery Titanium | GHA Discovery Titanium |
| Spend milestones | 4 milestones | None |
| Applications | Open | Paused or by invitation |
| Last checked | 21 October 2026 | 25 August 2026 |

## How each one earns

### ICICI Times Black

- 2 RP / ₹100 (2%) · verified · checked 12 June 2026
- 12X via iShop (hotels) · 24 RP/₹100 · verified · checked 24 June 2026
- 6X via iShop (flights/vouchers) · 12 RP/₹100 · Amazon Pay, Swiggy, Kalyan, Tanishq and Reliance Jewels vouchers reportedly earn about 2% since Jan 2026 · verified · checked 24 June 2026
- 2.5 RP / ₹100 international (2.5%) · verified · checked 12 June 2026
- 2 RP/₹100 on utilities, insurance, education and government payments, capped at 5,000 RP a statement cycle across all four · verified · checked 9 October 2026

Every rule on the ICICI Times Black page: https://getbrief.cards/cards/icici-times-black

### HDFC Infinia Metal

- 5 RP / ₹150 (3.33%) · ✓ official · checked 11 June 2026
- 10X via SmartBuy hotels only · 50 RP/₹150, cap 15K RP/mo · verified · checked 24 June 2026
- 5X via SmartBuy vouchers/flights (Gyftr) · 25 RP/₹150, cap 15K RP/mo overall · brand vouchers capped at 3K RP/mo from 1 Jul 2026 · ✓ official · checked 25 August 2026

Every rule on the HDFC Infinia Metal page: https://getbrief.cards/cards/hdfc-infinia-metal


## Questions

### What is the annual fee of ICICI Times Black and HDFC Infinia Metal?

As of 21 October 2026, ICICI Times Black: ₹20,000 + GST, waived at ₹25,00,000 spend per card year. HDFC Infinia Metal: ₹12,500 + GST, waived at ₹10,00,000 spend per card year.

### Which charges less on spend abroad, ICICI Times Black or HDFC Infinia Metal?

As of 21 October 2026, ICICI Times Black charges a 1.49% markup against 2% on HDFC Infinia Metal: on ₹1,00,000 spent abroad that is ₹1,758 against ₹2,360, GST included.

### Do ICICI Times Black and HDFC Infinia Metal come with airport lounge access?

As of 21 October 2026, ICICI Times Black: unlimited domestic and international visits. HDFC Infinia Metal: unlimited international visits · unlimited domestic visits.


## Other cards side by side

- [HDFC Infinia Metal vs HDFC Diners Club Black Metal](https://getbrief.cards/compare/hdfc-infinia-metal-vs-hdfc-diners-club-black-metal)
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- [ICICI Emeralde Private Metal vs HDFC Infinia Metal](https://getbrief.cards/compare/icici-emeralde-private-metal-vs-hdfc-infinia-metal)
- [Axis Burgundy Private vs HDFC Infinia Metal](https://getbrief.cards/compare/axis-burgundy-private-vs-hdfc-infinia-metal)
- [SBI Card Aurum vs HDFC Infinia Metal](https://getbrief.cards/compare/sbi-aurum-vs-hdfc-infinia-metal)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/icici-times-black-vs-hdfc-infinia-metal