SBI Aurum Credit Card vs HDFC Bank Infinia Credit Card
Last Updated : March 29, 2024, 3:28 p.m.
Choosing the right premium credit card is a big decision for people with high incomes. The SBI Aurum Credit Card vs HDFC Bank Infinia Credit Card Metal Edition are two top choices, each offering great benefits.
The SBI Aurum Card is known for its rewards and luxury perks, while the HDFC Infinia Card is famous for its rewards program, travel benefits, and helpful concierge service.
If you’re trying to decide between them, you’ll want to think about the yearly fees, what kind of rewards you prefer, and which card’s benefits fit your lifestyle the best.
Let’s take a closer look at both cards to see which one might be better for you.
SBI Aurum Credit Card – An Overview
The SBI Aurum Credit Card is an exclusive, invite-only super premium credit card . It provides comprehensive benefits across various categories, including rewards, travel, cinema, and concierge services. It also offers memberships to leading entertainment, dining, and lifestyle brands. This card is ideal for those who frequently use their credit card for significant expenditures.
HDFC Bank Infinia Credit Card Metal Edition – An Overview
The HDFC Bank Infinia Credit Card Metal Edition is a top-tier card that HDFC Bank rolls out by invitation only. Designed with high earners in mind, it offers a range of benefits, including travel perks, reward points, and shopping discounts. If you often spend a lot on your credit card, the Infinia’s high rewards rate makes it a great choice, providing value with every purchase.
SBI Aurum Credit Card vs HDFC Bank Infinia Credit Card Metal Edition – A Quick Comparison
SBI Aurum Credit Card and HDFC Bank Infinia Credit Card stand out for their exclusive benefits and luxury offerings. Here’s a quick comparison to help you understand which card might better suit your lifestyle and spending habits.
| Features | SBI Aurum Credit Card | HDFC Bank Infinia Credit Card |
|---|---|---|
| Joining Fee/Renewal Fee | Rs. 9,999 + GST | Rs. 12,500 + GST |
| Annual/Renewal Fee | Rs. 9,999 + GST (Waived off on spending Rs. 12 lakh in a year) | Rs. 12,500 + GST (Waived off on spending Rs. 10 lakh in a year) |
| Best Suited For | Travel, Reward Points | Travel, Reward Points |
| Welcome Benefits | - Get 40,000 bonus reward points worth Rs. 10,000. - Also, get a complimentary subscription to Club Marriott, Wall Street Journal, and Mint. | - Get a complimentary Club Marriott membership for a year that offers up to 20% discount on dining & stay across Asia - Pacific region. - Get welcome as well as renewal benefit of 12,500 reward points on fee realization & card activation. |
| Rewards and Other Benefits | Avail 4 free movie tickets worth Rs. 1,000 every month via BookMyShow. - Receive flight cancellation benefit as well. Enjoy a cancellation cover of Rs. 3,500 for refundable tickets and Rs. 3,000 for non-refundable tickets | - Receive 5 reward points on every Rs. 150 on retail spends, except for fuel and wallet reload. - Get 10X reward points on your travel and shopping spends on SmartBuy. - Unlimited complimentary golf games at leading courses across India. - 1% fuel surcharge waiver at all fuel stations across India. |
| Lounge Access | - Get unlimited international lounge access. - Enjoy 4 complimentary visits per quarter to the domestic airport lounges. | Unlimited complimentary lounge access across 1,000+ airport lounges within and outside India. |
| Forex Mark-up Fee | Low forex mark-up fee of 1.99% | Low forex mark-up fee of 2% |
| Pros | - Redemption of rewards against Air Miles. - Get milestone benefits - (a) Rs. 1,500 TataCliq Voucher (On spends of Rs. 1 lakh, monthly) (b) Rs. 5,000 LUXE Voucher (On spends of Rs. 5 lakh, annually) (c) Rs. 10,000 Taj Voucher (On spends of Rs. 10 lakh, annually) | - Free travel perks at Club Marriott and ITC Hotels. - Unlimited access to airport lounges and golf courses. - Excellent reward rates and redemption values. - Attractive welcome and renewal rewards. |
| Cons | - Low reward rate of 1% - High annual fee - It’s an invite-only credit card. | - It’s an invite-only credit card. - High annual fee - Low redemption value against cashback redemption. |
| Who should get this card? | This is ideal for shoppers and travelers seeking a credit card that offers comprehensive benefits. | This exclusive, invite-only card is ideal for those who frequently use their credit card for substantial shopping and travel expenses. |
Wrapping Up!
In comparing the SBI Aurum Credit Card with the HDFC Bank Infinia Credit Card, it’s clear that both cards offer a suite of premium benefits tailored to the needs of high spenders, frequent travelers, and avid shoppers. While the SBI Aurum Card shines with its exclusive memberships and lifestyle perks, the HDFC Infinia Card stands out for its high rewards rate and comprehensive travel benefits. Ultimately, the choice between these two cards comes down to individual preferences and spending habits.