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SimplifyCards take: For your travel and lounge access needs, the HDFC Bank Infinia Metal Edition Credit Card is an excellent choice, offering premium travel benefits and extensive lounge access. Close contenders include the HSBC Premier Credit Card, which provides strong travel perks and a low forex markup, and the ICICI Bank Emeralde Private Metal Credit Card, also a great option for luxury travel and lounge access with good overall value.
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% |