HDFC Infinia Metal vs SC DigiSmart
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 | Standard Chartered |
| Card Type | Super Premium | Cashback |
| Annual Fee | ₹12,500 + GST | Lifetime Free |
| Joining Fee | ₹12,500 + GST | Nil |
| Rewards | 5 reward points for every ₹150 spent | 5% cashback on Flipkart, Myntra, Swiggy, Zomato |
| Best For | Ultra High Spenders | Online Shopping |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | None |
| 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 ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 5 | 4.3 |
| 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
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.
Frequently asked questions
Which is better: HDFC Infinia Metal or SC DigiSmart?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. SC DigiSmart is the better fit if your priority is online shopping. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Infinia Metal and SC DigiSmart?
SC DigiSmart is cheaper to hold at Lifetime Free, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and SC DigiSmart offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). SC DigiSmart: 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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