Head-to-head · 🇮🇳 India
SBI SimplyClick vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 5 of 10
IN
Premium
HDFC Bank
HDFC Infinia (Metal)
VISA
Wins 4 of 10
Verdict
SBI SimplyClick wins 5-4. First card for online buyers, low entry fee HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | SBI SimplyClick | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹499 | · ₹12,500 |
| Joining fee | ₹499 | · ₹12,500 |
| Top reward rate | · 10% (shopping) | 33% (travel) |
| Base reward rate | · 1.25% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹100,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹300,000 | · ₹4,000,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 4.4/5 | 4.9/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
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
FAQ
›SBI SimplyClick vs HDFC Infinia (Metal): which is better?
SBI SimplyClick 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 SBI SimplyClick for online shopping, HDFC Infinia (Metal) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).