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SimplifyCards take: For top-tier travel and lounge access, the HDFC Bank Infinia Metal Edition Credit Card is an excellent choice, offering unlimited lounge access both domestically and internationally. Close behind, the HSBC Premier Credit Card provides strong premier travel benefits with a very low forex markup, while the ICICI Bank Emeralde Private Metal Credit Card is also a superb option for luxury travel and lounge access.
Super-premium card offering 5X rewards (up to 33.3% value) on SmartBuy flight/hotel bookings, unlimited lounge access, and premium golf privileges.
Optimized for premier and travel, featuring low 0.99% forex markup and unlimited airport lounge access.
Optimized for luxury and travel, featuring low 2% forex markup and unlimited airport lounge access.
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| Feature | HDFC Bank Infinia Metal Edition Credit Card | HSBC Premier Credit Card | ICICI Bank Emeralde Private Metal Credit Card |
|---|---|---|---|
| Best for | premium travel, lounge, smartbuy | premier, travel, lounge | luxury, travel, lounge |
| Reward rates | 3.3% - Base reward rate upto 33.3% - accelerated reward rate *considering using accor redemption | 6% - Base reward rate upto 72% - accelerated reward rate *considering using accor redemption | 3% - Base reward rate upto 36% - accelerated reward rate |
| Annual fee | Rs 12,500 | Rs 20,000 | Rs 12,499 |
| Fee waiver spend | Rs 10 lakhs | - | Rs 10 lakhs |
| Domestic lounge | Unlimited | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited | Unlimited |
| Forex markup | 2% | 0.99% | 2% |