HDFC Bank Infinia Metal Edition Credit Card vs IRCTC SBI Card Premier

Joining Fees

₹12,500

₹1,499

Editor's Rating

4.6

3.5

Key Features

  • 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 10% back on AC1, AC2, AC3, Executive Chair car and Chair Car as reward points for ticket purchases on www.irctc.co.in and IRCTC Mobile App 
  • Get 5% back on Air ticket purchases on www.air.irctc.co.in
  • Get 5% back on E-catering purchases on www.ecatering.irctc.co.in
  • Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
  • Avail 1 Reward Point per 125 spent on other non-fuel retail purchases 
  • Get 2,500 Reward Points on annual travel spends of Rs. 50,000
  • On annual travel spends of Rs. 1,00,000, avail 5,000 Reward Points
  • Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
  • Complimentary Rail Accident Insurance of Rs. 10 Lakhs
  • Complimentary Air Accident insurance of Rs. 50 Lakhs
  • Complimentary Fraud Liability cover of Rs. 1 Lakh
  • Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
  • Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
  • Book airline tickets with IRCTC at unbeatable prices, and explore the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at 5,000+ hotels, covering 350 cities in India
  • 1% fuel surcharge at all petrol pumps in India, on transactions between  Rs. 500 - Rs. 4,000
  • 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)
  • Visa Privileges include: Savings of 10% on Hertz car rental and up to 35% on Avis Car Rentals, exclusive benefits across 900 luxury hotels globally, and obtain up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • With Flexipay facility, convert transactions in EMIs by simply transacting Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
  • While booking railway tickets online using IRCTC SBI Platinum Card, get the tickets delivered at your doorstep
  • The IRCTC SBI Card Premier credit card is accepted in over 24 million outlets across the world, including 3,25,000 outlets in India

Editor's Review

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                                                                                                                                                                                                                                                                                                   

 

  • Complimentary credit card fraud liability cover of Rs. 1 lakh
  • Complimentary Overseas Accident cover of Rs. 50 lakh
  • 8 complimentary railway lounge access in India                                                                                                         

Cons

  • No golf benefits
  • No complimentary airport lounge access


More comparisions with HDFC Bank Infinia Metal Edition Credit Card

More comparisions with IRCTC SBI Card Premier

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