Card Comparison · India
AE Gold CardvsHB Infinia Metal Credit Card
Gold Card and Infinia Metal Credit Card compared side by side — annual fee, lounge-access program, visit limits, eligibility, and value. All figures from Loungely's verified card data, in INR.
| AEGold Card | HBInfinia Metal Credit Card | |
|---|---|---|
| Annual fee | Rs. 1,000 first year, Rs. 4,500 from year 2 | ₹12,500/yr |
| Network | American Express | Visa Infinite |
| Access program | American Express Lounge Program — up to 8 visits/year | Priority Pass — unlimited visits |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | — | Guests at Priority Pass rates (typically ₹3,500 per guest per visit). |
| Eligibility | Income Rs. 8L+, open application | Invite only — income ₹25L+ |
| Value score | 3/5 | 5/5 |
| Best for | Frequent India travellers wanting Amex rewards with moderate lounge access at a low first-year cost | Heavy international travellers — 6+ flights per year |
Gold Card — full review
Fees, lounge terms, activation steps, pros & cons →
Infinia Metal Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Gold Card vs Infinia Metal Credit Card — frequently asked
Is Gold Card or Infinia Metal Credit Card cheaper?
Gold Card is cheaper at Rs. 1,000 first year, Rs. 4,500 from year 2 vs ₹12,500/yr — a difference of 8,000 INR/yr. A lower fee only wins if the lounge access still covers the airports you fly through.
Which gives better lounge access, Gold Card or Infinia Metal Credit Card?
Gold Card: American Express Lounge Program — up to 8 visits/year. Infinia Metal Credit Card: Priority Pass — unlimited visits. Network reach matters more than raw visit count — a card with unlimited visits on a program that isn't present at your home airport is worth less than a capped card that is.
What are the eligibility differences between Gold Card and Infinia Metal Credit Card?
Gold Card — Income Rs. 8L+, open application. Infinia Metal Credit Card — Invite only — income ₹25L+. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Gold Card or Infinia Metal Credit Card better value?
Loungely value score — Gold Card: 3/5 (best for frequent india travellers wanting amex rewards with moderate lounge access at a low first-year cost). Infinia Metal Credit Card: 5/5 (best for heavy international travellers — 6+ flights per year). Both are India cards, so the fee and access figures are directly comparable in INR.