HDFC Infinia Metal vs IRCTC SBI Card Premier
Detailed comparison of these two popular credit cards
Winner
HDFC Infinia Metal
HDFC Bank
Super PremiumVS
IRCTC SBI Card Premier
SBI Card
Mid-RangeAnnual Fee
₹13K vs ₹1K
Effective Rate
(cash value)
1.7% vs 0.8%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | HDFC Infinia Metal | IRCTC SBI Card Premier |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | ₹1K |
| Annual Fee | ₹13K | ₹1K |
| Fee Waiver | Spend ₹10L annually | Spend ₹2L annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⭐Reward Points |
| Effective Cash Value | 1.67% | 0.8% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹24.0L | ₹4.0L |
HDFC Infinia Metal is Best For
Premium travelers spending ₹10L+/year
Watch Out
- • Invite-only card
- • SmartBuy portal needed for max value
IRCTC SBI Card Premier is Best For
Frequent train travelers (AC class)
Watch Out
- • Peak season (Apr-Jul, Sep-Jan) only 4% value back
- • Rail/Air insurance discontinued Jul 2025
Our Verdict
Based on overall features and value,
HDFC Infinia Metal wins!
Score: 66vsScore: 23
