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SimplifyCards take: For a premium travel experience, including excellent miles and unlimited lounge access, the HDFC Bank Infinia Metal Edition Credit Card is a top choice. Strong alternatives that also offer comprehensive travel benefits, competitive rewards, and unlimited lounge access include the ICICI Bank Emeralde Private Metal Credit Card and the HSBC Premier Credit Card.
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 luxury and travel, featuring low 2% forex markup and unlimited airport lounge access.
Optimized for premier and travel, featuring low 0.99% forex markup and unlimited airport lounge access.
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| Feature | HDFC Bank Infinia Metal Edition Credit Card | ICICI Bank Emeralde Private Metal Credit Card | HSBC Premier Credit Card |
|---|---|---|---|
| Best for | premium travel, lounge, smartbuy | luxury, travel, lounge | premier, travel, lounge |
| Reward rates | 3.3% - Base reward rate upto 33.3% - accelerated reward rate *considering using accor redemption | 3% - Base reward rate upto 36% - accelerated reward rate | 6% - Base reward rate upto 72% - accelerated reward rate *considering using accor redemption |
| Annual fee | Rs 12,500 | Rs 12,499 | Rs 20,000 |
| Fee waiver spend | Rs 10 lakhs | Rs 10 lakhs | - |
| Domestic lounge | Unlimited | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited | Unlimited |
| Forex markup | 2% | 2% | 0.99% |