HDFC Infinia Metal vs SBI SimplySAVE 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 SimplySAVE | Axis Flipkart |
|---|---|---|---|
| Bank | HDFC Bank | SBI | Axis Bank |
| Card Type | Super Premium | Rewards | Cashback |
| Annual Fee | ₹12,500 + GST | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹12,500 + GST | ₹499 + GST | Nil |
| Rewards | 5 reward points for every ₹150 spent | 10X rewards on dining, grocery, movies & dept stores | 5% unlimited cashback on Flipkart |
| Best For | Ultra High Spenders | Everyday Spending | 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+ | ₹25,000 - ₹3,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 500 bonus reward points | None |
| Min Income | Invite only (₹4L+/month) | ₹20,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | None | 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 | ₹249 + GST | Free |
| Rating | 5 | 4.2 | 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 SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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.