Visa Business Card Platinum – Standard Chartered vs HDFC Infinia Credit Card

• Earn 3X Rewards Points on every IDR10,000 transaction above IDR10 million transactions per month. For transactions below IDR10 million, earn 1 point
• Every IDR 10,000 spend = 3X Rewards Points for every IDR10,000 transaction above IDR10 million transactions per month. Earn 1 point for transactions below IDR10 million
• Annual Fee: Primary: IDR 750.000,-/year and Supplementary: IDR 375.000/year
• Minimum repayments: 10% of monthly billing statement or IDR 50,000 (whichever is higher)
• 5% cash back for travel transaction when using Platinum Business Card for a maximum of IDR 2 million on travel transactions 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

• Enjoy 5% cashback for your travel transaction
• Free Annual Fee for 1st Year

Cons

• No complimentary Golf/coaching sessions
• No Complimentary Airport Lounge Access
• No Fuel Wavier

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”