HDFC Infinia (Metal) vs SBI Air India Signature
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Air India Signature wins 5-3. Air India loyalists — highest miles earn on AI bookings. HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | HDFC Infinia (Metal) | SBI Air India Signature |
|---|---|---|
| Annual fee | · ₹12,500 | ₹4,999 |
| Joining fee | · ₹12,500 | ₹4,999 |
| Top reward rate | 33% (travel) | · 8% (travel) |
| Base reward rate | 3.3% | · 2% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 20,000 Air India reward points |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹500,000 / yr |
| Min income | · ₹4,000,000 | ₹1,200,000 |
| Min credit score | · 800 | 780 |
| Editorial rating | 4.9/5 | · 4.3/5 |
Benefits compared
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott + Club Vistara Gold
- Concierge 24x7
- 2% forex markup
SBI Air India Signature
- 30 AI reward points per ₹100 on Air India bookings
- 4 reward points per ₹100 on others
- Air India Maharajah Club Silver
- 8 international + 8 domestic lounge visits/year
- Free Air India ticket on ₹5L spend
FAQ
›HDFC Infinia (Metal) vs SBI Air India Signature: which is better?
SBI Air India Signature wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Infinia (Metal) for its best categories, SBI Air India Signature for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1). SBI Air India Signature: 20,000 Air India reward points.