HDFC Infinia (Metal) vs SBI ELITE
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI ELITE wins 4-3. Mid-premium SBI card with strong club benefits. 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 ELITE |
|---|---|---|
| Annual fee | · ₹12,500 | ₹4,999 |
| Joining fee | · ₹12,500 | ₹4,999 |
| Top reward rate | 33% (travel) | · 2% (general) |
| Base reward rate | 3.3% | · 2% |
| Forex markup | = 1.99% | = 1.99% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 5,000 bonus reward points + ₹5,000 e-gift voucher |
| Fee waiver threshold | = ₹1,000,000 / yr | = ₹1,000,000 / yr |
| Min income | · ₹4,000,000 | ₹600,000 |
| Min credit score | · 800 | 770 |
| Editorial rating | 4.9/5 | · 4.4/5 |
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 ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
FAQ
›HDFC Infinia (Metal) vs SBI ELITE: which is better?
SBI ELITE 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 ELITE 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 ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher.