Card Comparison · India
HB Infinia Metal Credit CardvsKM White Reserve Credit Card
Infinia Metal Credit Card and White Reserve 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.
| HBInfinia Metal Credit Card | KMWhite Reserve Credit Card | |
|---|---|---|
| Annual fee | ₹12,500/yr | ₹12,500/yr |
| Network | Visa Infinite | Visa Infinite |
| Access program | Priority Pass — unlimited visits | Priority Pass — unlimited domestic + international |
| Intl lounge visits | — | — |
| Domestic lounge visits | — | — |
| Guest policy | Guests at Priority Pass rates (typically ₹3,500 per guest per visit). | — |
| Eligibility | Invite only — income ₹25L+ | Income ₹25L+ or invite from Kotak relationship manager |
| Value score | 5/5 | 4/5 |
| Best for | Heavy international travellers — 6+ flights per year | Kotak banking customers wanting unlimited lounge access |
Infinia Metal Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
White Reserve Credit Card — full review
Fees, lounge terms, activation steps, pros & cons →
Infinia Metal Credit Card vs White Reserve Credit Card — frequently asked
Is Infinia Metal Credit Card or White Reserve Credit Card cheaper?
Infinia Metal Credit Card and White Reserve Credit Card carry the same annual fee (₹12,500/yr). At equal cost, the decision comes down to lounge-access terms and eligibility — see the table above.
Which gives better lounge access, Infinia Metal Credit Card or White Reserve Credit Card?
Infinia Metal Credit Card: Priority Pass — unlimited visits. White Reserve Credit Card: Priority Pass — unlimited domestic + international. 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 Infinia Metal Credit Card and White Reserve Credit Card?
Infinia Metal Credit Card — Invite only — income ₹25L+. White Reserve Credit Card — Income ₹25L+ or invite from Kotak relationship manager. Eligibility (income floor, invite-only status, existing-relationship requirements) is often the real deciding factor, not the headline lounge perk.
Is Infinia Metal Credit Card or White Reserve Credit Card better value?
Loungely value score — Infinia Metal Credit Card: 5/5 (best for heavy international travellers — 6+ flights per year). White Reserve Credit Card: 4/5 (best for kotak banking customers wanting unlimited lounge access). Both are India cards, so the fee and access figures are directly comparable in INR.
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