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HDFC Bank INFINIA Metal Credit Card VS HSBC Premier 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: 30 June 2026

Both HSBC Premier Metal Credit Card and HDFC Bank INFINIA Metal Credit Card suit travel-focused spenders, but they earn and cost differently. HSBC Premier Metal Credit Card costs ₹12,000 + GST and earns 3 reward points for every INR 100 spent, with accelerated earnings up to 12X on travel bookings. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. HSBC Premier Metal Credit Card also brings unlimited domestic airport lounge access for cardholders, while HDFC Bank INFINIA Metal Credit Card counters with unlimited complimentary airport lounge access in India for primary and add-on cardholders. If dining spending matters more, go with HSBC Premier Metal Credit Card; if premium is the priority, HDFC Bank INFINIA Metal Credit Card fits better.

HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
HSBC Premier Metal Credit Card
HSBC Premier Metal Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹12,000 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹20,000 + GST
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Spend Based WaiverAnnual renewal fee is waived if you meet the HSBC Premier eligibility criteria.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Foreign Transaction Fees0.99% of the transaction amount, applicable globally without conditions.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.
Interest Rate (APR)2.99% per month (or 35.88% annually).

Rewards & Benefits

Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Welcome BonusEarn 20,000 reward points when you make your first transaction within 30 days of issuance.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Rewards RateEarn 3 reward points for every INR 100 spent, with accelerated earnings up to 12X on travel bookings.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
Domestic Lounge AccessUnlimited domestic airport lounge access for cardholders.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
International Lounge AccessUnlimited international airport lounge access for cardholders, plus 8 guest visits.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Travel BenefitsUnlimited lounge access, 0.99% forex markup, travel insurance, and hotel booking discounts.
Movie Benefits
Movie BenefitsEnjoy buy one, get one offers at BookMyShow, valid twice per card per month up to INR 750.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Dining BenefitsGet unparalleled dining offers with 30% off your bill (up to INR 1,500) with EazyDiner.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Golf BenefitsUp to 24 complimentary golf lessons across India (as a Premier Account Benefit).
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions from INR 400 to INR 4,000.

Security & Other

Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Insurance BenefitsInsurance cover for card misuse from 24 hours before reporting lost, up to INR 300,000.
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
Cash Advance ChargesINR 300 or 2.5% of the amount withdrawn, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank INFINIA Metal Credit Card

HSBC Premier Metal Credit Card

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.

Who is it for?

The HSBC Premier Credit Card is an exclusive offering for HSBC Premier banking customers, providing a comprehensive suite of benefits for high-net-worth individuals. It features a low foreign currency markup of 0.99%, unlimited domestic and international airport lounge access, and a strong rewards program with accelerated earnings on travel. Ideal for elite customers, the card offers valuable rewards on categories often excluded by others, coupled with extensive travel, dining, and lifestyle privileges.

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.

Offers reward points on select categories for spends up to INR 1 lakh, including gold and tax payments.

Reward points earned with the HSBC Premier Credit Card have lifetime validity.

Enjoy unlimited domestic and international lounge access for cardholders and 8 guest visits.

Benefit from a very low foreign currency markup of 0.99% on all international spends.

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.

The eligibility criteria for an HSBC Premier banking relationship are quite high.

Benefits, despite high relationship requirement, may not match other banks' top-tier cards.

Accelerated reward earnings are capped at 18,000 Reward Points per cardholder monthly.

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.
Apply for HDFC Bank INFINIA Metal Credit Card(opens in new tab)Apply for HSBC Premier Metal Credit Card(opens in new tab)