HDFC Infinia Metal vs BoB Eterna vs SC DigiSmart
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Infinia Metal
5
Why this card wins: Ultra High Spenders — 5 reward points for every ₹150 spent
| Feature | HDFC Infinia Metal | BoB Eterna | SC DigiSmart |
|---|---|---|---|
| Bank | HDFC Bank | Bank of Baroda | Standard Chartered |
| Card Type | Super Premium | Premium | Cashback |
| Annual Fee | ₹12,500 + GST | ₹2,499 + GST | Lifetime Free |
| Joining Fee | ₹12,500 + GST | ₹2,499 + GST | Nil |
| Rewards | 5 reward points for every ₹150 spent | 6 reward points per ₹100 on all spends | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Ultra High Spenders | Travel & Dining | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹1,50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 2000 bonus reward points | None |
| Min Income | Invite only (₹4L+/month) | ₹40,000/month | ₹20,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | 8 domestic + 4 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 5 | 4.3 | 4.3 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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
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
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
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.