HDFC Infinia Metal vs SC Ultimate
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 | Super Premium |
| Annual Fee | ₹12,500 + GST | ₹5,000 + GST |
| Joining Fee | ₹12,500 + GST | ₹5,000 + GST |
| Rewards | 5 reward points for every ₹150 spent | 3.33% rewards value on all spends |
| Best For | Ultra High Spenders | Luxury Travel |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹10,00,000+ | ₹5,00,000 - ₹20,00,000 |
| Welcome Benefit | 12,500 reward points on card activation | 10,000 reward points on first ₹20,000 spend |
| Min Income | Invite only (₹4L+/month) | ₹1,00,000/month |
| Lounge Access | Unlimited domestic + international (Priority Pass) | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on all fuel txns |
| Foreign Txn Fee | 2.0% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 5 | 4.7 |
| 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 Ultimate
Luxury Travel
Visa Infinite • Super Premium
- Unlimited domestic & international lounge access
- Travel insurance up to ₹5 Crore
- Golf privileges worldwide
- Concierge services 24/7
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 Ultimate?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. SC Ultimate is the better fit if your priority is luxury travel. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Infinia Metal and SC Ultimate?
SC Ultimate is cheaper to hold at ₹5,000 + GST, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do HDFC Infinia Metal and SC Ultimate offer airport lounge access?
HDFC Infinia Metal: unlimited domestic + international (priority pass). SC Ultimate: unlimited domestic + international (priority pass).
Which card is better for international spending?
All of them charge the same forex markup of 2.0% + GST, so choose based on other benefits.
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