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BOBCARD Tiara Credit Card VS HDFC Bank INFINIA Metal Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

HDFC Bank INFINIA Metal charges ₹12,500 + GST for unlimited global lounge access, a Club Marriott membership, and a 1+1 buffet at ITC hotels - genuinely top-tier dining and travel benefits. BOBCARD Tiara charges a fraction of that, ₹2,499 + GST, earning 15 Reward Points per ₹100 on dining and travel plus unlimited domestic (not international) lounge access and free Swiggy One/Amazon Prime memberships. Unless you specifically need INFINIA's international lounge access and 5-star hotel tie-ups, Tiara delivers a comparable domestic dining-and-lounge experience at roughly a fifth of the fee.

BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

Fees & Charges

Joining Fee₹2,499 + GST
Joining Fee₹12,500 + GST
Renewal Fee₹2,499 + GST
Renewal Fee₹12,500 + GST
Spend Based WaiverJoining fee waived on ₹25,000 spend in 60 days. Annual fee waived on ₹2.5 Lakh spend in a year.
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees2%
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.

Rewards & Benefits

Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge AccessThis card offers no international airport lounge access.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Movie Benefits
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.

Security & Other

Insurance BenefitsZero Liability on Lost Card.
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Tiara Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

The BOBCARD Tiara Credit Card is a premium offering exclusively designed for women, empowering their journeys with tailored benefits. It provides accelerated 5X Reward Points on dining, travel, and international spends, coupled with a competitive low 2% Forex markup. Cardholders enjoy complimentary memberships to Swiggy One, Amazon Prime/Disney Hotstar, and Gaana Plus, alongside unique women's health benefits. This card is ideal for modern women seeking a comprehensive financial tool that blends high rewards, lifestyle perks, and travel advantages.

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Pros

Key benefits and features.

Highly competitive 2% Forex markup charge, lower than most credit cards in the market.

Accelerated reward points on international spends benefit frequent international travelers.

Offers a high effective reward rate of 3.75% on dining and travel spends.

Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Cons

Key drawbacks and limitations.

Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.

Domestic airport lounge access is conditional on meeting a minimum spending requirement.

Reward points on accelerated categories and UPI transactions are capped per statement cycle.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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