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HDFC Bank Infinia Metal Edition Credit Card vs SBI Miles Credit Card

Joining Fees

₹12,500

₹1,499

Editor's Rating

4.6

3.7

Key Features

  • Metallic Card
  • Enjoy complimentary nights and buffet at participating ITC hotels: Book a stay for 3-nights and simply pay for two at participating ITC hotels. Also avail 1+1 complimentary buffet at the participating ITC hotels 
  • In the preceding 12 months, spend 10 lakhs or more to avail renewal membership fee waived off for next year. The Renewal benefit 12,500 Reward Points will be availed upon fee realization and card activation
  • Enjoy unlimited complimentary golf games at leading courses in India and selected courses across the globe. Unlimited complimentary Golf coaching at selected golf courses in India
  • Lowest markup fee of 2% on foreign currency transactions
  • Zero Lost card liability 
  • Enjoy up to 50 days of interest-free period
  • Revolving Credit is available at nominal interest rate
  • Global Personal Concierge -24 X 7
  • Enjoy unlimited complimentary airport lounge access domestic and international using Priority Pass. This benefit is also available for add-on Priority Pass holders
  • Enjoy wonderful dining benefits with the Good Food Trail program: HDFC Bank x Swiggy Dineout - Good food Trail- Indulge in wonderful discounts by obtaining FLAT 15% EXTRA OFF on dining bills at 35K+ restaurants!
  • Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. 1,00,000
  • You can convert big spends into EMI after the purchase
  • The credit card is enabled for contactless payments 
  • Accidental Air Death cover worth Rs. 3 Crore
  • Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency
  • Credit Shield Cover for up to Rs. 9 lakhs
  • Obtain 5 Reward Points on every Rs. 150 retail spending including Insurance, Utilities and Education
  • Earn up to 10 times Reward Points on travel and shopping spends on Smartbuy 
  • As a Welcome Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
  • Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
  • Get 2 Travel Credits for every Rs. 200 spent on travel
  • Get 1 Travel Credits for every Rs. 200 on all other spends
  • You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
  • Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
  • Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
  • Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
  •  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
  • Low Foreign Currency Mark-up Charge of 3.00% on International usage
  • 1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
  • SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
  • Pay  electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
  • Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

Editor's Review

Pros

  • Unlimited lounge access at domestic and international airports
  • Unlimited complimentary golf games at premier golf courses
  • Complimentary nights and buffet at participating ITC hotels

Cons

  • The card doesn’t offer any yearly or monthly benefits
  • No cashback as such
  • Joining fee on higher side

Pros

  • Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
  • Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
  •  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons

  • No golf benefits
  • No cashback benefits
  • No movie or dining benefits 


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