BoB Eterna vs HDFC Infinia Metal
Side-by-side credit card comparison to help you choose the best one.
HDFC Infinia Metal
Why this card wins: Ultra High Spenders — 5 reward points for every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | HDFC Bank |
| Card Type | Premium | Super Premium |
| Annual Fee | ₹2,499 + GST | ₹12,500 + GST |
| Joining Fee | ₹2,499 + GST | ₹12,500 + GST |
| Rewards | 6 reward points per ₹100 on all spends | 5 reward points for every ₹150 spent |
| Best For | Travel & Dining | Ultra High Spenders |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹1,50,000 - ₹5,00,000 | ₹10,00,000+ |
| Welcome Benefit | 2000 bonus reward points | 12,500 reward points on card activation |
| Min Income | ₹40,000/month | Invite only (₹4L+/month) |
| Lounge Access | 8 domestic + 4 international per year | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.3 | 5 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Eterna
Travel & Dining
Visa • Premium
- Complimentary Dreamfolks lounge access
- Golf privileges at select courses
- 1% fuel surcharge waiver
- Milestone bonus rewards on annual spend
HDFC Infinia Metal
Ultra High Spenders
Visa Infinite • Super Premium
- Unlimited Airport lounge access globally
- Global Concierge & Golf privileges
- Club Marriott membership for 1 year
- Dedicated Relationship Manager
Verdict
Based on rating and overall value, HDFC Infinia Metal ranks highest among your selected cards. It excels at Ultra High Spenders and offers 5 reward points for every ₹150 spent.
Frequently asked questions
Which is better: BoB Eterna or HDFC Infinia Metal?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. BoB Eterna is the better fit if your priority is travel & dining. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Eterna and HDFC Infinia Metal?
BoB Eterna is cheaper to hold at ₹2,499 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do BoB Eterna and HDFC Infinia Metal offer airport lounge access?
BoB Eterna: 8 domestic + 4 international per year. HDFC Infinia Metal: unlimited domestic + international (priority pass).
Which card is better for international spending?
HDFC Infinia Metal has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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