Canara RuPay 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 | Canara Bank | HDFC Bank |
| Card Type | Entry Level | Super Premium |
| Annual Fee | ₹500 + GST | ₹12,500 + GST |
| Joining Fee | ₹500 + GST | ₹12,500 + GST |
| Rewards | 1 reward point per ₹100 spent | 5 reward points for every ₹150 spent |
| Best For | Budget Users | 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 | None | 12,500 reward points on card activation |
| Min Income | ₹12,000/month | Invite only (₹4L+/month) |
| Lounge Access | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.8 | 5 |
| Contactless | ||
| EMI Conversion |
Key Features
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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: Canara RuPay Select or HDFC Infinia Metal?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. Canara RuPay Select is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: Canara RuPay Select and HDFC Infinia Metal?
Canara RuPay Select is cheaper to hold at ₹500 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do Canara RuPay Select and HDFC Infinia Metal offer airport lounge access?
Canara RuPay Select: no complimentary lounge access. 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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