{"_id":"68c772868ae5cff8481580c2","title":"ICICI Bank Emeralde Private Metal Vs HDFC Bank Infinia Credit Card: Which is better for you?","YT_url":"","primary_image_url":"https://dhpicxu0ni0ke.cloudfront.net/38800019-d3e2-4ddc-a95d-873e0f625cbb.webp","main_content_id":"68c772868ae5cff8481580bc","content_type_id":{"_id":"6878dfccd97b60571b4c75a3","name":"Article"},"category_id":{"_id":"68c8226b0ef1eb46a5f1cd28","name":"Credit card"},"tag_id":{"_id":"68790e0fc62f5349345512e6","name":"Financial Wellness"},"summary_id":{"_id":"68c772868ae5cff8481580be","summary":"* EPM's Taj Epicure welcome benefit (includes complimentary night stay) is superior to Infinia's Club Marriott. * EPM offers a higher accelerated reward rate (up to 36%) and monthly cap (18,000 points) via iShop, compared to Infinia's SmartBuy (33%, 15,000 points). * Infinia has a slightly better base reward rate (3.3%) and significantly more loyalty program transfer partners (19 vs EPM's 1). * EPM allows higher payment through points for flights (100%) and hotels (90%) compared to Infinia's 70%. * EPM provides additional benefits like movie BOGO offers and spend based milestone vouchers. * Overall, EPM offers better direct redemption value and additional perks, while Infinia excels for airmiles/hotel loyalty transfers."},"author_id":{"_id":"68c7742b8ae5cff84815836c","name":"Gopal Gidwani","profilePicture":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/ff735758-0a1d-4fef-a001-ba8200017c6d.webp","title":"Guest Expert"},"is_draft":false,"is_published":true,"notification_sent":true,"faq_id":{"_id":"68c772868ae5cff8481580c0","faq":"1. Which credit card is better: ICICI Emeralde Private Metal or HDFC Infinia?\n2. How do the reward point earning and redemption methods compare?\n3. Which card offers better hotel memberships and complimentary stays?\n4. Which card provides more partners for airmiles & hotel loyalty transfers?"},"is_deleted":false,"has_unpublished_edits":false,"published_at":"2025-09-15T01:57:26.911Z","whatsapp_summary":"ICICI Emeralde Private Metal challenges HDFC Infinia's credit card dominance.","createdAt":"2025-09-15T01:57:26.912Z","updatedAt":"2025-09-15T02:04:50.909Z","__v":0,"likes":9,"socialLikes":{"twitter":0,"linkedin":0,"instagram":0,"total":0},"views":3481,"shares":6,"comments":[{"_id":"68c7be9e8ae5cff848165934","content":"Hi Gopal,\nExcellent Comparison..I am using Infinia for more than 2 years..\nInfinia VISA Infinite Users can still avail BOGO on Bookmyshow under VISA Infinite Program","contentId":"68c772868ae5cff8481580c2","name":"Venkata balaji","email":"venkatabalaji4@gmail.com","status":"approved","isReply":false,"parentComment":null,"ipAddress":"::ffff:10.0.3.65","userAgent":"Mozilla/5.0 (Linux; Android 10; K) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/133.0.0.0 Mobile Safari/537.36","replies":[{"_id":"68c944938ae5cff848185d2a","content":"Hi Venkata,\nThanks for sharing the information. I see there is a daily quota of tickets offered on a first come first serve basis. \n\nIt would have been better if the BOGO offer was a Infinia card-specific feature given by HDFC Bank with a separate quota of tickets like what ICICI Bank EPM gives. Also, a higher discount of Rs. 500 or more on the 2nd ticket would have been better like the Rs. 750 discount that ICICI Bank EPM gives.","contentId":"68c772868ae5cff8481580c2","name":"Gopal Gidwani","email":"gopal_gidwani@yahoo.com","status":"approved","parentComment":"68c7be9e8ae5cff848165934","ipAddress":"::ffff:10.0.20.61","userAgent":"Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/140.0.0.0 Safari/537.36","createdAt":"2025-09-16T11:05:55.800Z","updatedAt":"2025-09-23T06:09:20.435Z","__v":0}],"createdAt":"2025-09-15T07:22:06.911Z","updatedAt":"2025-09-16T11:05:55.807Z","__v":1},{"_id":"68c789568ae5cff84815ca3a","content":"Loved it… request if you can add Amex platinum travel vs Amex platinum reserve","contentId":"68c772868ae5cff8481580c2","name":"Himalaya Sharma","email":"himalaya.mailbox@gmail.com","status":"approved","isReply":false,"parentComment":null,"ipAddress":"::ffff:10.0.20.61","userAgent":"Mozilla/5.0 (iPhone; CPU iPhone OS 18_6_2 like Mac OS X) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/18.6 Mobile/15E148 Safari/604.1","replies":[{"_id":"68c946a78ae5cff848185e86","content":"Hello Himalaya,\nWe will try to cover the Amex Platinum Travel vs Amex Platinum Reserve in a separate article.","contentId":"68c772868ae5cff8481580c2","name":"Gopal Gidwani","email":"gopal_gidwani@yahoo.com","status":"approved","parentComment":"68c789568ae5cff84815ca3a","ipAddress":"::ffff:10.0.20.61","userAgent":"Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/140.0.0.0 Safari/537.36","createdAt":"2025-09-16T11:14:47.103Z","updatedAt":"2025-09-23T06:09:14.639Z","__v":0}],"createdAt":"2025-09-15T03:34:46.597Z","updatedAt":"2025-09-16T11:14:47.112Z","__v":1}],"commentStats":{"totalComments":2,"approvedComments":2,"pendingComments":0,"lastCommentAt":"2025-09-15T07:22:06.911Z","totalReplies":2,"approvedReplies":2,"pendingReplies":0,"lastReplyAt":["2025-09-16T11:14:47.103Z"]}}