EazyDiner IndusInd Bank Credit Card VS PNB Rakshak Rupay Select Card VS HDFC Bank INFINIA Metal Credit Card VS Bandhan Bank Flare Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
EazyDiner IndusInd Bank Credit Card
PNB Rakshak Rupay Select Card
HDFC Bank INFINIA Metal Credit Card
Bandhan Bank Flare Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Significant dining discounts and benefits, including a complimentary EazyDiner Prime membership.
Valuable welcome and renewal benefits, including a Postcard Hotel stay voucher.
Accelerated reward points on key lifestyle categories like travel, shopping, and entertainment.
Comprehensive fraud protection with the 'Total Protect' program.
Complimentary premium alcoholic beverages at select restaurants.
Pros
Key benefits and features.
Enjoy a zero joining fee and an annual fee waiver based on usage, making it very accessible.
Earn accelerated 2X reward points on all your retail merchandise purchases with this PNB card.
Benefit from complimentary access to both domestic and international airport lounges frequently.
Receive exclusive cashback offers on utility bills, dining, and various daily expenses.
Comprehensive insurance coverage provides enhanced security and peace of mind for cardholders.
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.
Pros
Key benefits and features.
Never-expiring reward points ensure long-term value and flexibility for redemption.
Enjoy significant savings with 15% off dining and 25% off movie tickets monthly.
Complimentary domestic and international lounge access enhances travel comfort.
Benefit from a low foreign currency markup of just 1.99% on international spends.
Attractive welcome benefit of an Amazon Pay e-voucher worth ₹2,000.
Cons
Key drawbacks and limitations.
The card comes with relatively high joining and annual fees.
Dining discounts are limited to EazyDiner App payments at select restaurants.
No reward points are earned on dining transactions.
The card does not offer any complimentary lounge access or golf benefits.
Reward points earned with this card have an expiry period of one year.
Cons
Key drawbacks and limitations.
Specific reward redemption options for the PNB Rakshak Rupay Select Card are not detailed.
Foreign currency markup charges and specific interest rates are not specified in the card details.
The annual fee waiver on the PNB Rakshak card requires consistent quarterly usage to avoid charges.
The general 2X reward rate on retail might not be competitive compared to specialized cards.
Detailed information on cash advance charges and fuel surcharge waivers is currently unavailable.
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.
Cons
Key drawbacks and limitations.
High monthly income requirement of ₹12 lakh makes the card inaccessible for many.
Renewal fee waiver requires a substantial annual spend of ₹6,00,000.
Interest rates can be high for new customers at 3.50% per month on retail purchases.
Cash advance charges are steep at 3.5% with a minimum of ₹500 plus taxes.
Over limit fee of 2.5% (minimum ₹500) can add unexpected costs.