RBL Bank MoneyTap Black Credit Card vs HDFC Infinia Credit Card

* Get 2 Reward Points for every Rs. 100 spent on all purchases such as travel, groceries, dining and electricity bill
* Avail 5X Reward Points i.e. 10 Reward Points for every Rs. 100 spent online, up to 500 Reward Points in a month
* Monthly Benefit: Earn 1000 Reward Points every month on making at least 5 transactions of Rs. 1000 or more
* Get 10% discount on movie bookings on bookmyshow, up to Rs. 100, any day of the week, 15 times in a year
* Complimentary access to domestic airport lounges, up to 1 visit per calendar quarter
* Earn 8000 Reward Points on annual online spends of Rs. 2.5 lakh
* Earn additional 8000 Reward Points on crossing annual online spends of Rs. 4 lakh
* Fuel Surcharge Waiver at all fuel stations. This is valid for fuel transactions between Rs. 500 and Rs. 4,000. The maximum waiver of Rs. 100 per month

• 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)

Pros
* Movies and Monthly Rewards along with Airport Lounge Access
* Earn Accelerated Reward Points on online spends benefits
* Earn up to 16000 Reward Points on Annual Spend milestone

Cons
* No golf benefits
* No airmiles

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”