HDFC Infinia Metal vs SBI ELITE
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 | HDFC Bank | SBI |
| Card Type | Super Premium | Super Premium |
| Annual Fee | ₹12,500 + GST | ₹4,999 + GST |
| Joining Fee | ₹12,500 + GST | ₹4,999 + GST |
| Rewards | 5 reward points for every ₹150 spent | 2X reward points on dining, movies & grocery |
| Best For | Ultra High Spenders | Premium Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 5000 bonus reward points |
| Min Income | Invite only (₹4L+/month) | ₹60,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 5 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
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
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
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: HDFC Infinia Metal or SBI ELITE?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. SBI ELITE is the better fit if your priority is premium lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Infinia Metal and SBI ELITE?
SBI ELITE is cheaper to hold at ₹4,999 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and SBI ELITE offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). SBI ELITE: unlimited domestic + 6 international per year.
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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