HDFC Infinia Metal vs SBI ELITE vs Axis Flipkart
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 | SBI ELITE | Axis Flipkart |
|---|---|---|---|
| Bank | HDFC Bank | SBI | Axis Bank |
| Card Type | Super Premium | Super Premium | Cashback |
| Annual Fee | ₹12,500 + GST | ₹4,999 + GST | ₹500 + GST |
| Joining Fee | ₹12,500 + GST | ₹4,999 + GST | Nil |
| Rewards | 5 reward points for every ₹150 spent | 2X reward points on dining, movies & grocery | 5% unlimited cashback on Flipkart |
| Best For | Ultra High Spenders | Premium Lifestyle | Flipkart Loyalists |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹3,00,000 - ₹15,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 5000 bonus reward points | None |
| Min Income | Invite only (₹4L+/month) | ₹60,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | Unlimited domestic + 6 international per year | 4 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 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 | 4.6 | 4.7 |
| 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
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
Axis Flipkart
Flipkart Loyalists
Mastercard • Cashback
- 4% cashback on preferred partners (Swiggy, PVR)
- 1.5% unlimited cashback on basic spends
- 4 complimentary lounge visits per year
- Instant discount offers on big billion days
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.