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

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)

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