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HDFC Bank INFINIA Metal Credit Card VS ICICI Bank Sapphiro 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.

Features

HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card
ICICI Bank Sapphiro Credit Card
ICICI Bank Sapphiro Credit Card

Fees & Charges

Joining Fee
₹12,500 + GST
₹6,500 + GST
Renewal Fee
₹12,500 + GST
₹3,500 + GST
Spend Based Waiver
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Annual fee waived if ₹6 lakh or more spent in preceding anniversary year.
Foreign Transaction Fees
2% + GST (~2.36%) on all foreign currency transactions.
3.5% + GST on all foreign currency transactions.
Interest Rate (APR)
1.99% per month (23.8% annualized) on the due amount.
3.75% interest per month (45% p.a.) on outstanding balances & cash withdrawals.

Rewards & Benefits

Welcome Bonus
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Receive welcome vouchers worth over ₹14,500 including Tata CLiQ, EaseMyTrip, EazyDiner, Da Milano, Croma & Uber.
Rewards Rate
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
4 RP/₹100 on international, 2 RP/₹100 on domestic, 1 RP/₹100 on utility & insurance.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 + GST for rewards redemption.

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
4 complimentary domestic airport lounge accesses per calendar quarter on spending ₹75,000.
International Lounge Access
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
2 complimentary international airport lounge accesses annually + Priority Pass/DreamFolks membership.
Travel Benefits
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Concierge service for hotel & flight bookings. Comprehensive travel insurance benefits are also included.
Movie Benefits
Buy One Get One Free movie ticket offer, up to ₹500 off on second ticket via BookMyShow, twice monthly.
Dining Benefits
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
15% saving on bills at over 2,500 partner restaurants via ICICI Bank Culinary Treats Programme.
Golf Benefits
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Complimentary golf rounds/lessons monthly (up to 4) based on ₹50,000 retail spend.
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
1% waiver on fuel transactions up to ₹4,000 (max ₹250 waiver/billing cycle).

Security & Other

Insurance Benefits
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Personal Air Accident Insurance (₹3 Cr), Credit Shield (₹50k), baggage insurance, travel inconveniences.
Cash Advance Charges
NIL, but interest charges are applicable from the date of cash advance.
2.5% of transaction amount or minimum ₹500, whichever is higher.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank INFINIA Metal Credit Card

ICICI Bank Sapphiro 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 ICICI Bank Sapphiro Credit Card is a premium offering for individuals who indulge in travel and lifestyle. It provides an array of privileges, attractive offers, and user-friendly features, ideal for frequent travelers seeking maximum savings, entertainment benefits, and exclusive welcome offers that often exceed the joining fee.

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.

Substantial welcome benefits worth over ₹14,500 effectively offset the ICICI Bank Sapphiro Credit Card's joining fee.

Offers complimentary domestic and international airport lounge access, ideal for frequent travelers.

Enjoy a generous 'Buy One Get One Free' movie ticket offer twice monthly via BookMyShow on this card.

Comprehensive insurance coverage provides peace of mind for air travel and other incidents with Sapphiro.

The 24x7 concierge service provides convenient assistance for lifestyle and travel needs to cardholders.

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 ICICI Bank Sapphiro Credit Card has a high foreign currency markup of 3.5% + GST.

A significant interest rate of 45% per annum is applicable on outstanding balances and cash advances.

Domestic lounge access with the Sapphiro Credit Card is conditional on spending ₹75,000 in the prior quarter.

A fee of ₹99 + GST is levied on every rewards redemption transaction for Sapphiro cardholders.

Ready to Choose?

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