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Comparison · हिन्दी

ICICI Times Black vs HDFC Infinia

Both cards compared on real rupee returns for ICICI Times Black vs HDFC Infinia which premium card is better. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
ICICI
TIMES BLACK
ASHOK KUMAR
VS
HDFC
INFINIA
ASHOK KUMAR
Our verdict
HDFC Infinia Credit Card wins for most people
Card B wins decisively with ₹9,676 annual benefit versus Card A's -₹6,560 loss. For your ₹56,000 monthly spend, HDFC Infinia's lower fee and higher rewards significantly outperform Times Black's luxury positioning.
Side-by-side comparison
Times Black ICICI Bank Credit Card HDFC Infinia Credit Card ✓
Annual benefit -₹6,560 ₹9,676
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹20,000 + taxes (waived on ₹25,00,000/year spend, from 2nd year) ₹12,500 + taxes (waived on ₹10L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 2% reward points on domestic spend; 2.5% on international spend 5 reward points per ₹150; 10X on SmartBuy; 2X on dining
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Unlimited domestic + unlimited international (via Priority Pass, 1,400+ lounges) Unlimited (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.49% 2%
Best for Ultra-high-net-worth individuals wanting unlimited global lounge access and genuine luxury lifestyle perks Premium rewards and unlimited lounge
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹24,00,000+/year (₹2,00,000+/month if salaried) ₹25L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 800+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Times Black ICICI Bank Credit Card
Times Black suits ultra-high spenders exceeding ₹2.5 crore annually who prioritize concierge services, airport lounge access, and exclusive lifestyle perks over pure cashback value.
HDFC Infinia Credit Card
HDFC Infinia excels for your profile—moderate premium spending, dining frequency, and travel needs. Its 2X dining multiplier and SmartBuy rewards deliver superior value with a lower entry fee.
Who should get which card
Get Times Black ICICI Bank if you…
· Seeking premium global lifestyle benefits beyond rewards
· Plan to spend ₹2.5+ crore annually to waive fees
· Value unlimited international lounge access and concierge services
Get HDFC Infinia if you…
· Want maximum rewards on ₹56K monthly spend
· Enjoy dining out regularly (2X multiplier benefit)
· Prefer lower fees with strong value proposition
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, HDFC Infinia Credit Card offers better annual returns for most spend profiles.
Times Black ICICI Bank Credit Card has an annual fee of ₹20,000 + taxes (waived on ₹25,00,000/year spend, from 2nd year). HDFC Infinia Credit Card has an annual fee of ₹12,500 + taxes (waived on ₹10L spend).
Times Black ICICI Bank Credit Card offers 2% reward points on domestic spend; 2.5% on international spend. HDFC Infinia Credit Card offers 5 reward points per ₹150; 10X on SmartBuy; 2X on dining.
Times Black ICICI Bank Credit Card lounge access: Unlimited domestic + unlimited international (via Priority Pass, 1,400+ lounges). HDFC Infinia Credit Card lounge access: Unlimited (domestic + international).
Times Black ICICI Bank Credit Card charges 1.49% forex markup. HDFC Infinia Credit Card charges 2% forex markup.