HDFC Infinia (Metal) vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Prime wins 5-4. Step up from SimplyClick with lounge access. 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 Prime |
|---|---|---|
| Annual fee | · ₹12,500 | ₹2,999 |
| Joining fee | · ₹12,500 | ₹2,999 |
| Top reward rate | 33% (travel) | · 5% (shopping) |
| Base reward rate | 3.3% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹300,000 / yr |
| Min income | · ₹4,000,000 | ₹480,000 |
| Min credit score | · 800 | 750 |
| Editorial rating | 4.9/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›HDFC Infinia (Metal) vs SBI Prime: which is better?
SBI Prime wins on more dimensions (5 vs 4). 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).