Infinia Help me decide continuing with EPM vs Infinia vs Both

[bhaveshbhai]

I have both HDFC Infinia Metal and ICICI Emeralde Private Metal cards. My usage of credit card would be mostly on Amazon and Flipkart, and mostly about 10-12 lakhs per year (including online and offline spends). Should I be retaining both cards or only one (which one )?

Here is the current condition -

Infinia Metal , currently in second year , first year was free and I spent 11 lakhs from that so current year became free, I will definitely be retaining this card for current year but not sure whether I target all my 10 lakh spends from this card in this year to make the third year annual fees waiver or from EPM.

EPM , currently in first year (starting from march 2025), spent 5.5L so far from primary card (ICICI doesn't count for add on card spends for annual fee waiver criteria), now not sure whether to continue my further spends from EPM or Infinia whose second year has just started in sep 2025.

 

[rogerthat]

I wish I had your problems.

 

[TripleAce]

I have both HDFC Infinia Metal and ICICI Emeralde Private Metal cards. My usage of credit card would be mostly on Amazon and Flipkart, and mostly about 10-12 lakhs per year (including online and offline spends). Should I be retaining both cards or only one (which one )?

Here is the current condition -

Infinia Metal , currently in second year , first year was free and I spent 11 lakhs from that so current year became free, I will definitely be retaining this card for current year but not sure whether I target all my 10 lakh spends from this card in this year to make the third year annual fees waiver or from EPM.

EPM , currently in first year (starting from march 2025), spent 5.5L so far from primary card (ICICI doesn't count for add on card spends for annual fee waiver criteria), now not sure whether to continue my further spends from EPM or Infinia whose second year has just started in sep 2025.

Keep both if you can IMO!
Both cards are excellent and you get RPs against the fee if at all you stay below 10L.
The only additional charge is the GST part of the fee which can be recovered in a day with AGV / ASV / FKV

 

[sanarora]

Retain Both, u get 12K worth points anyways on paying renewal fees, so out of pocket is only the GST Component, also currently EPM gives more rewards compared to Infinia in terms of Percentage, however anyone can get devalued in the future, no harm keeping both.

 

[sd.ac]

Until EPM introduces travel partners, it's not really an equivalent card to the Infinia. Also, it's not a mature product so I would watch it for a year or two before seeing it as genuine competition to the Infinia.

 

[Bhokaal]

Retain Both, u get 12K worth points anyways on paying renewal fees, so out of pocket is only the GST Component, also currently EPM gives more rewards compared to Infinia in terms of Percentage, however anyone can get devalued in the future, no harm keeping both.

EPM is giving more rewards? this is news to me
Are we talking about the gyftr from smartbuy or in general the base reward point? I know Infinia gives 3.33%.

 

[aayusharyan]

I have both HDFC Infinia Metal and ICICI Emeralde Private Metal cards. My usage of credit card would be mostly on Amazon and Flipkart, and mostly about 10-12 lakhs per year (including online and offline spends). Should I be retaining both cards or only one (which one )?

Here is the current condition -

Infinia Metal , currently in second year , first year was free and I spent 11 lakhs from that so current year became free, I will definitely be retaining this card for current year but not sure whether I target all my 10 lakh spends from this card in this year to make the third year annual fees waiver or from EPM.

EPM , currently in first year (starting from march 2025), spent 5.5L so far from primary card (ICICI doesn't count for add on card spends for annual fee waiver criteria), now not sure whether to continue my further spends from EPM or Infinia whose second year has just started in sep 2025.

First world problems !!!

 

[sourpai]

EPM, spent 5.5L so far from primary card (ICICI doesn't count for add on card spends for annual fee waiver criteria)

I don't think this is true, you can confirm from 2-3 customer care execs if you have doubt.

Either-ways, you should keep both the cards till the next renewal cycle atleast

 

[BVCBVC is verified member.]

I have both HDFC Infinia Metal and ICICI Emeralde Private Metal cards. My usage of credit card would be mostly on Amazon and Flipkart, and mostly about 10-12 lakhs per year (including online and offline spends). Should I be retaining both cards or only one (which one )?

Here is the current condition -

Infinia Metal , currently in second year , first year was free and I spent 11 lakhs from that so current year became free, I will definitely be retaining this card for current year but not sure whether I target all my 10 lakh spends from this card in this year to make the third year annual fees waiver or from EPM.

EPM , currently in first year (starting from march 2025), spent 5.5L so far from primary card (ICICI doesn't count for add on card spends for annual fee waiver criteria), now not sure whether to continue my further spends from EPM or Infinia whose second year has just started in sep 2025.

I suggest you to keep both, because even you don't spend the threshold spending limit you will lose only GST. There are many people fighting to get either of them and you have both. BTW just to ask what's your CL on Infinia and EPM?

Even on then if you are not comfortable holding both you better close EPM and hold Infinia.

 

[kunal05]

ICICI doesn't count for add on card spends for annual fee waiver criteria

Is this right? I didn't know about this, can you share the link to this T&C?

 

[bhaveshbhai]

Is this right? I didn't know about this, can you share the link to this T&C?

No tnc doc , this was confirmed by customer care on telephone. Asked them to take 2 more days and confirm with seniors and they called me back with this same confirmation after 2 days

 

[bhaveshbhai]

I suggest you to keep both, because even you don't spend the threshold spending limit you will lose only GST. There are many people fighting to get either of them and you have both. BTW just to ask what's your CL on Infinia and EPM?

Even on then if you are not comfortable holding both you better close EPM and hold Infinia.

Thanks, infinia around 12L and epm around 67L (because of old amazon pay card from icici)

 

[sanarora]

EPM is giving more rewards? this is news to me
Are we talking about the gyftr from smartbuy or in general the base reward point? I know Infinia gives 3.33%.

18% for amazon vouchers etc ( after fees effective is 15-16%), vs Infinia net just 12.x% .
Also VIP Lounge access at Bangalore is free only with EPM not Infinia , Overall lounge list of EPM is much more extensive than Infinia. But then Infinia is time Tested. Best to Keep Both.