HDFC Infinia Metal vs SBI SimplySAVE
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 | Rewards |
| Annual Fee | ₹12,500 + GST | ₹499 + GST |
| Joining Fee | ₹12,500 + GST | ₹499 + GST |
| Rewards | 5 reward points for every ₹150 spent | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Ultra High Spenders | Everyday Spending |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 500 bonus reward points |
| Min Income | Invite only (₹4L+/month) | ₹20,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | None |
| 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 | ₹249 + GST |
| Rating | 5 | 4.2 |
| 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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 SimplySAVE?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. SBI SimplySAVE 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: HDFC Infinia Metal and SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and SBI SimplySAVE offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). SBI SimplySAVE: no complimentary lounge access.
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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