Doctor's SBI Card (in association with IMA) vs HDFC Infinia Credit Card

• Get up to 8 complimentary visits annually to domestic airport lounges in India
• 1% fuel surcharge waiver 
• Add-on cards are available along with the primary card 
• The card can be used over 1 million Visa or MasterCard ATMs across the world

• 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                                                                                                                                                                                                                                                                                                                                                                                                   

• SBI in association with Indian Medical Association has issued Doctor's SBI Card (IMA) 
• Avail Professional Indemnity Insurance Cover of Rs. 20 Lakhs 
• The cardholder can reimburse all defense and legal costs, out of court settlement expenses and court awards as a part of professional indemnity insurance 
• Renewal fee reversed if the annual spendings cross Rs 2,00,000  

Cons 

• No Golf/coaching sessions

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”