BoB Select 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 | Entry Level | Super Premium |
| Annual Fee | ₹499 + GST | ₹12,500 + GST |
| Joining Fee | ₹499 + GST | ₹12,500 + GST |
| Rewards | 2 reward points per ₹100 spent | 5 reward points for every ₹150 spent |
| Best For | Everyday Spending | Ultra High Spenders |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹10,00,000+ |
| Welcome Benefit | 500 reward points on first spend | 12,500 reward points on card activation |
| Min Income | ₹15,000/month | Invite only (₹4L+/month) |
| Lounge Access | 2 domestic 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 | 5 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
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 Select or HDFC Infinia Metal?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and HDFC Infinia Metal?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do BoB Select and HDFC Infinia Metal offer airport lounge access?
BoB Select: 2 domestic 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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