HDFC Bank 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 Rs 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
HSBC 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 / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 Reward Points / Rs 100
| Feature | HDFC Bank Infinia Metal Edition Credit Card | HSBC 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 / Rs 100; Flights via HSBC: Up to 18 Reward Points / Rs 100; Car rentals via HSBC: Up to 6 Reward Points / Rs 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 15,000 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 Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 0.3 per point | Air miles: upto Rs 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 |