YES FIRST Business Credit Card vs HDFC Infinia Credit Card

• Earn Renewal benefit of 15,000 Reward Points on each renewal
• Domestic Airlines and Dining: 4 Reward Points per Rs. 100 spent on all other categories
• Complimentary Priority Pass Membership for the Primary Cardmember- Complimentary International lounge access and complimentary access to MasterCard affiliated lounges across Indian airports
• Enjoy one complimentary golf lesson every calendar month
• Fuel Surcharge Waiver
• Insurance Coverage

• 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

• Annual Bonus Reward Points: Earn 20,000 Reward Points on achieving annual spends of Rs. 12 Lakhs or more in each anniversary year
• Reward Points Accrual: 8 Reward Points per Rs. 100 spent on Travel Agencies & Tour Operators
• Cash Advances and Overdue Amount: Preferential Foreign Currency Markup of 1.75% only
  

Cons

• You will not earn any extra rewards on international expenditure
• Air mile conversion option is only available with InterMiles

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”