HDFC Infinia Credit Card vs HDFC Business MoneyBack 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)

• Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
• Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
• Use HDFC Bank Business Moneyback Credit Card for Vendor/supplier and GST payments and enjoy up to 50 days of interest-free credit period
• Earn 2,500 Bonus Reward Points on spends of Rs. 1.8 lakhs or more within your anniversary year
• Redeem reward points as cashback against the statement
• Get 5X Reward Points on Fuel with a maximum 1000 points per month in the first year
• Do note that effective 1st October 2023, 5X RP on fuel transactions will be discontinued
• Up to 50 days interest-free credit period
• Avail 5% Monthly Cashback on Business Essential Spends such as electricity bills, telephone and internet bills, Government and Tax Payments
•  Get up to Rs.250 cashback per statement with a minimum monthly spend of Rs.10,000. This offer is applicable only in the first year
• Get 5% cashback on GST payments using Business Credit Card. Offer valid only for the first year after card issuance
• Avail up to 4 Reward Points on every Rs. 150 spent for business payment, redeem reward points to pay credit card bill
• Register your credit card with SmartPay, HDFC Bank's utility bill payment service, and ensure that your utility bills are paid on time, conveniently and easily. You can get an assured cashback of up to Rs. 1800 in the first year, as well as exciting e-vouchers worth up to Rs. 800 for adding two or more bills on Smart Pay
• Zero Lost card liability
• Enjoy Revolving Credit at a nominal interest rate
• 1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000
• Experience wonderful dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bills at 20,000+ restaurants with Swiggy Dineout. This offer includes discounts from both the restaurant and Swiggy. Valid only for payments made through the Swiggy app
• Milestone Benefit: Earn Bonus 2,500 Bonus Reward Points when spending Rs. 1.8 lakhs in the anniversary year
• Renewal Offer: If you spent Rs.50,000 or more in the previous year, your renewal fee will be waived off
• Convert big spends into EMI after purchase
• The HDFC Bank Business Moneyback Credit Card is equipped with contactless payment technology for added convenience and speed

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”

Pros

• Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
• Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
• Avail 5% Monthly Cashback on Business Essential Spends 

Cons

• No golf benefits are provided
• No airport lounge access