Infinia Metal Credit Card vs SBI Aurum Credit Card
HDFC Bank · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
SBI CardScoreExcellent
Annual Fee₹9,999
Max Reward1%
Infinia Metal Credit Card leads overall with a CardCheck Score of 85/100 (+3 pts over SBI Aurum Credit Card).
4-Pillar Head-to-Head Breakdown
Infinia vs SBIReward Power
35%Infinia35/35
SBI34/35
Infinia Wins
Fee Value & ROI
25%Infinia18/25
SBI18/25
Tie (18/25)
Lounge & Travel
20%Infinia20/20
SBI18/20
Infinia Wins
Forex & Access
20%Infinia12/20
SBI12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 85Best
- 82
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- HDFC Bank
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Travel and lifestyle benefits
- SBI's super-premium — unlimited lounge, golf, concierge & milestone benefits
03—Fees
- Joining fee
- ₹12,500
- ₹9,999Best
- Annual fee
- ₹12,500
- ₹9,999Best
- Fee waiver
- ₹10,00,000
- ₹10,00,000
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 23.88%Best
- 42%
- APR (max)
- 42%
- 42%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 3.33%Best
- 0.5%
- Max rate
- 10%Best
- 1%
- Points / ₹100
- 3.33
- —
- Point value
- ₹1
- —
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- —
- Lounge spend criteria
- No spend condition
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 1.99%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- —
- ₹2,50,000
- Min CIBIL
- 750Best
- 800
- Invite only
Rows won
05of 08
03of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 85Best | 82 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | HDFC Bank | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Travel and lifestyle benefits | SBI's super-premium — unlimited lounge, golf, concierge & milestone benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹12,500 | ₹9,999Best |
| Annual fee | ₹12,500 | ₹9,999Best |
| Fee waiver | ₹10,00,000 | ₹10,00,000 |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 23.88%Best | 42% |
| APR (max) | 42% | 42% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 3.33%Best | 0.5% |
| Max rate | 10%Best | 1% |
| Points / ₹100 | 3.33 | — |
| Point value | ₹1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | — |
| Lounge spend criteria | No spend condition | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 1.99%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | — | ₹2,50,000 |
| Min CIBIL | 750Best | 800 |
| Invite only | ||
| Rows won | 05of 08 | 03of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Infinia Metal Credit Card | SBI Aurum Credit Card |
|---|---|---|
| CardCheck Score | 85/100Excellent | 82/100Excellent |
| Annual Fee | ₹12,500 | ₹9,999 |
| Fee Waiver Spend | ₹10L/yr | ₹10L/yr |
| Max Reward Potential | 10% | 1% |
| Domestic Lounge Access | Unlimited | Check terms |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 2% | 1.99% |
Choose Infinia Metal Credit Card if:
Your spending centers around travel and lifestyle benefits and you want direct partner rewards with HDFC Bank.
Choose SBI Aurum Credit Card if:
Your spending aligns with sbi's super-premium — unlimited lounge, golf, concierge & milestone benefits and you prioritize SBI Card's redemption benefits.
Frequently asked questions: Infinia Metal Credit Card vs SBI Aurum Credit Card
- Which is better: Infinia Metal Credit Card or SBI Aurum Credit Card?
- Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 82/100 (Excellent) for SBI Aurum Credit Card (a lead of +3 points). Infinia Metal Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, SBI Aurum Credit Card charges an annual fee of ₹9,999 with an annual spend threshold of ₹10 Lakh.
- How do the reward rates and cashback compare between Infinia Metal Credit Card and SBI Aurum Credit Card?
- Infinia Metal Credit Card offers a base reward rate of 3.33% and up to 10% on accelerated partner categories. Meanwhile, SBI Aurum Credit Card offers a base rate of 0.5% and up to 1% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Infinia Metal Credit Card or SBI Aurum Credit Card?
- Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement. On the other hand, SBI Aurum Credit Card provides complimentary Priority Pass for international lounges.
- Which card is better for international foreign currency spends?
- Infinia Metal Credit Card levies a foreign currency markup fee of 2%, while SBI Aurum Credit Card charges 1.99%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).