HDFC Bank Infinia Metal Edition Credit Card vs IDFC FIRST Select 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 

• Get 3X Reward Points on Spends till Rs. 20,000 in a statement cycle
• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Avail 1X Reward Points on Insurance premium and Utility bill payments
• Use the Reward points to instantly pay for online or in-store purchases
• Get 3X Reward Points on rental and property management transactions
• Avail ‘Buy One, Get One' offer on movie tickets up to Rs. 125 on Paytm mobile app. This is valid twice per month
• Enjoy 300+ Brand Offers all year long
• Get up to 20% discount at 1500+ restaurants
• Complimentary Roadside Assistance worth Rs. 1,399
• 1% Fuel Surcharge Waiver up to Rs. 300 per month at all fuel stations in India, on transactions between Rs. 200 and Rs. 5000
• Air Accident Cover of Rs. 1 Crore
• Personal Accident Cover of Rs. 5,00,000
• Lost Card Liability Cover of Rs. 50,000
• Comprehensive Travel Insurance Cover of Rs. 22,500
• Convert all transactions above Rs. 2,500 into easy and convenient EMIs on the mobile app
• Instant EMI conversion for all online transactions above Rs. 2,500 on the bank’s OTP page
• Enjoy convenient transfer of balances from other bank credit cards with the bank’s balance transfer privilege

Premium Benefits includes as follows:

• Availing 2 complimentary Domestic airport lounge visits per quarter, on spending Rs. 20,000 every month  
• Availing 4 complimentary railway lounge visits per quarter
• Cancellation For Any Reason (CFAR) insurance: Get cancellation cover for up to 2 claims up to Rs. 10,000, will be available for hotel and flight booking cancellations.

VISA Offers are as follows:

• Airport Meet & Greet - Avail discounts on Airport Fast Track immigration service worldwide
• Airport Transfers - Enjoy discounts on Airport transfer limousine service across in more than 3000 cities across 83 countries
• Concierge 
• Luxury Hotel Collection – Get access to over 900 luxury hotels around the globe with premium benefits such as automatic room upgrade upon arrival, Complimentary in-room Wi-Fi, Complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others

MasterCard Offers are as follows:

• Limo Service Airport Pick Up and Drop 
• Airport Meet & Assist - Cardholders will get assistance through the airport with all aspects of their departure and arrivals
• Get 4 complimentary Golf rounds and 12 complimentary Golf lessons per calendar year

Pros

• Unlimited lounge access at domestic and international airports
• Unlimited complimentary golf games at premier golf courses
• Complimentary nights and buffet at participating ITC hotels

Cons

• The card doesn’t offer any yearly or monthly benefits
• No cashback as such
• Joining fee on higher side

Pros

• Get 10X Reward Points on crossing spends of Rs. 20,000 in a statement cycle and on birthdays
• Domestic airport and railway lounge access
• Get 3X Reward Points on rental and property management transactions

Cons

• No International Airport Lounge access
• Welcome gift voucher is only provided on spending Rs. 5000 or more within 30 days of card generation
• No Priority Pass facility