Infinia Metal Edition Credit Card
Rs 12,500Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- A verification transaction fee of ₹2 is charged at domestic lounge terminals inside India for Visa cardholders, which is later reversed.
- Unlimited complimentary airport lounge access worldwide via Priority Pass (for both primary and add-on cardholders)
- Priority Pass lounge visits outside India by guests or visits exceeding the complimentary limit are charged at USD 27 + GST per person per visit. Add-on cardholders must use their own Priority Pass card; otherwise they are billed as guests.
2%Forex markup
Best for
Premium Travel, Lounge, SmartBuy, Golf, Luxury Lifestyle
Top rewards
SmartBuy Hotels: Up to 10X Reward Points; SmartBuy Flights: Up to 5X Reward Points; SmartBuy Gyftr: Up to 5X Reward Points
Premier Credit Card
Rs 20,000Annual fee
UnlimitedDomestic lounge
Domestic lounge conditions
- Unlimited complimentary domestic airport lounge access for primary and add-on cardholders.
- Unlimited complimentary international airport lounge access for primary and add-on cardholders.
- 8 complimentary international guest lounge visits per calendar year.
0.99%Forex markup
Best for
Premier, Travel, Lounge, Forex, Premium
Top rewards
Hotels Via HSBC: Up to 36 Reward Points / ₹100; Flights Via HSBC: Up to 18 Reward Points / ₹100; Car Rentals Via HSBC: Up to 6 Reward Points / ₹100
| Feature | Infinia Metal Edition Credit Card | Premier Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HSBC Bank |
| Network | Visa | Mastercard |
| Joining fee | Rs 12,500 | Rs 12,000 |
| Annual fee | Rs 12,500 | Rs 20,000 |
| Fee waiver spend | Rs 10,00,000 | - |
| Reward type | Reward Points | Reward Points |
| Best for | Premium Travel, Lounge, SmartBuy, Golf, Luxury Lifestyle | Premier, Travel, Lounge, Forex, Premium |
| Top reward categories | SmartBuy Hotels: Up to 10X Reward Points; SmartBuy Flights: Up to 5X Reward Points; SmartBuy Gyftr: Up to 5X Reward Points | Hotels Via HSBC: Up to 36 Reward Points / ₹100; Flights Via HSBC: Up to 18 Reward Points / ₹100; Car Rentals Via HSBC: Up to 6 Reward Points / ₹100 |
| SmartBuy / accelerated caps | SmartBuy Hotels: Daily 15,000 Reward Points, Monthly 15,000 Reward Points; SmartBuy Flights: Daily 15,000 Reward Points, Monthly 15,000 Reward Points; SmartBuy Gyftr: Daily 15,000 Reward Points, Monthly 3,000 Reward Points | Not Listed |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 2% | 0.99% |
| Milestone benefits | Not Listed | Annual renewal fee waived for qualified HSBC Premier customers meeting the Premier relationship criteria. |
| Redemption | SmartBuy travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point; Statement credit: upto ₹ 0.3 per point | Air miles: upto ₹ 1 per point |
| Key exclusions | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions | Fuel transactions, Cash advances, Card fees, charges, interest, and disputed transactions |