Compare HDFC Bank Infinia Metal Edition Credit Card vs HDFC Bank Biz First Credit Card

Metallic Card
Enjoy complimentary nights and buffet at participating ITC hotels: Book a stay for 3-nights and simply pay for two at participating ITC hotels. Also avail 1+1 complimentary buffet at the participating ITC hotels
In the preceding 12 months, spend 10 lakhs or more to avail renewal membership fee waived off for next year. The Renewal benefit 12,500 Reward Points will be availed upon fee realization and card activation
Enjoy unlimited complimentary golf games at leading courses in India and selected courses across the globe. Unlimited complimentary Golf coaching at selected golf courses in India
Lowest markup fee of 2% on foreign currency transactions
Zero Lost card liability
Enjoy up to 50 days of interest-free period
Revolving Credit is available at nominal interest rate
Global Personal Concierge -24 X 7
Enjoy unlimited complimentary airport lounge access domestic and international using Priority Pass. This benefit is also available for add-on Priority Pass holders
Enjoy wonderful dining benefits with the Good Food Trail program: HDFC Bank x Swiggy Dineout - Good food Trail- Indulge in wonderful discounts by obtaining FLAT 15% EXTRA OFF on dining bills at 35K+ restaurants!
Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. 1,00,000
You can convert big spends into EMI after the purchase
The credit card is enabled for contactless payments
Accidental Air Death cover worth Rs. 3 Crore
Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency
Credit Shield Cover for up to Rs. 9 lakhs
Obtain 5 Reward Points on every Rs. 150 retail spending including Insurance, Utilities and Education
Earn up to 10 times Reward Points on travel and shopping spends on Smartbuy

Up to 55 days Interest Free Credit Period
Earn cashpoints on your everyday Business spends:

A. 3% CashPoints on EMI Spends (Earn Maximum 1,000 CashPoints/Calendar month)

B. 2% CashPoints on Utility bills, Electronics, SmartPay & Payzapp transactions (Earn Maximum 500 CashPoints/Calendar month)

C. 1% CashPoints on all other spends including UPI spends (Earn Maximum 500 CashPoints/Calendar month)

Additional Benefit for your Business: Make GST payment using Business Credit Card:

A. Pay Income Tax/ Advance Tax using Business Credit Card

B. SmartBuy BizDeals:  Avail up to 40% savings on Business travel and software purchase on smartbuy.hdfcbank.com/business

C. Business Travel Benefits via MMT MyBiz :

- 4% off on Flights and Hotels booking.

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation  

D. Business Productivity Tools via – Nuclei :

- Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more

- Get GST Invoice for availing Input Tax Credit 

Make UPI Payments using the RuPay Biz First Credit Card and enjoy 1% Cash Point benefits
Card Activation Benefit: Obtain Gift voucher worth Rs. 250 on making one transaction on the Biz First Credit card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy, and more
Milestone Benefits:

A. Get 2000 CashPoints every quarter on your quarterly spends of Rs. 75,000 & above

Get 1% fuel surcharge waiver at all fuel stations in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000
Dining Benefits: Avail up to 20% savings on all restaurant bill payments with Swiggy Dineout on paying via Swiggy App using the card (20k + restaurants)
Avail up to 5% Cash Back on travel/online shopping on SmartBuy
SmartPay: SmartPay is an automatic payment facility available on the Credit Card to pay utility bills. Get assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
HDFC Bank Biz First Credit Card provides the option to convert big spends into EMI after purchase
Easy EMI: Choose EMI option for large online or in-store purchases using the Biz First Credit Card and avail easy repayments using Easy EMI.
Zero Lost card liability
Business Insurance Benefit: Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes the following:

A. Fire & Burglary insurance for Shop up to Rs. 5 lakhs

B. Cash in Safe/Transit up to Rs. 25,000

C. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

D. Hospital Cash: Accident only amount payable per day up to Rs. 1000

E. Hospital Cash: Illness only amount payable per day up to Rs. 1000

F. Cardholders have the option to choose higher Business Insurance cover as per their Business need