Head-to-head · 🇮🇳 India
HDFC Infinia (Metal) vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 3 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 4 of 10
Verdict
SBI Aurum wins 4-3. Invitation-only super-premium SBI metal card. 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 Aurum |
|---|---|---|
| Annual fee | · ₹12,500 | ₹9,999 |
| Joining fee | · ₹12,500 | ₹9,999 |
| Top reward rate | 33% (travel) | · 4% (general) |
| Base reward rate | · 3.3% | 4% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹1,000,000 / yr | · ₹1,500,000 / yr |
| Min income | · ₹4,000,000 | ₹3,500,000 |
| Min credit score | = 800 | = 800 |
| Editorial rating | 4.9/5 | · 4.6/5 |
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 Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›HDFC Infinia (Metal) vs SBI Aurum: which is better?
SBI Aurum wins on more dimensions (4 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 Aurum 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 Aurum: 10,000 reward points + ₹10,000 brand voucher.