BOB Financial Easy vs HDFC Infinia Credit Card

• Get 5 reward points for every Rs. 100 spent on Grocery, Departmental stores, and Movies
• Avail 1 reward point for every Rs. 100 spent on other categories
• Avail 0.5% of the card bill payment as cash-back in the next statement
• Spend  Rs. 6,000 within 60 days and  Rs. 35,000 in a year for reversal/waiver of annual fees
• 1% fuel surcharge waived for fuel transactions between  Rs. 400 -  Rs. 5,000 (Max. waiver of Rs. 250 per month)
• Redeem the earned reward points as cash-back and other exciting options
• Convert purchases of more than  Rs. 2,500 on the card into easy EMIs of 6/12 months
• 3 lifetime free add-on cards
• Free Personal Accidental Death Cover
• Report immediately the loss of the card to ensure zero liability on any fraudulent transactions
• Avail 50 days of interest free credit from the date of any purchase
• Pay Minimum Amount Due and finance your spends as per your convenience

• You will get Welcome Benefit of Complimentary Club Marriott membership for a year which provides up to 20% discounts for Dining and Stays across Asia – Pacific region
• As a Welcome Benefit, receive 10,000 Reward Points upon fee realization
• If you spend eight lakhs or more in the preceding 12 months, you’ll get renewal membership fee waived off for next year
• Avail Renewal benefit of 10,000 Reward Points
• Complimentary unlimited airport lounge access within and outside India using the Priority Pass. The same benefit is also available for the add on priority pass holders. Through Priority Pass membership you may also use the refreshment and business centre facilities at the selected lounges
• Avail 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs.400 and Rs.1,00,000
• Enjoy lowest markup fee of 2% on all foreign currency transactions
• Avail unlimited complimentary golf games at leading courses in India and selected courses across the globe. Also, you’ll have unlimited complimentary Golf coaching at selected golf courses within India
• Enjoy the Good Food Trail dining program at some of the premium restaurants across top cities
• Earn 5 Reward Points on Rs. 150 on retail spends including Insurance, Utilities, Education, and Rent pay
• Gut 10X Reward Points on travel and shopping spends on HDFC SmartBuy
• Earn 2X Rewards Points on dining spends
• Infinia Credit Card provides Credit Shield Cover for up to 9 lakhs

Rewards Rate:

• Default Reward Rate is 3.3%
• Avail Accelerated Reward Rate of 6.6% (2X on Dining/ airvistara / hdfcbankinfinia)
• Get Accelerated Reward Rate: 33% (10X with limited partners)

Pros

• Easy EMI Option
• First year Fee: Spend 6,000 on the card within 60 days for fee reversal
• Annual Fee: Spend Rs. 35,000 on the card in a year for a fee waiver
  
  Cons

• No golf privileges
• No airport lounge access

Pros

• This credit card is suitable for those who’re frequent travelers
• Get Accidental Air Death cover worth Rs. 3 Crore
• If there’s an emergency overseas while, get emergency overseas hospitalization insurance up to Rs. 50 lakhs

Cons

• This credit card is suitable for those who have high earnings
• This credit card doesn’t have any monthly & annual benefits
• This credit card is by “Invite only”