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HDFC Bank INFINIA Metal Credit Card VS SBI SimplyCLICK 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
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card

Fees & Charges

Joining Fee
₹12,500 + GST
₹499 + GST
Renewal Fee
₹12,500 + GST
₹499 + GST
Spend Based Waiver
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Renewal fee waived if annual spends for previous year are ₹1,00,000 or more.
Foreign Transaction Fees
2% + GST (~2.36%) on all foreign currency transactions.
3.5% of the total transaction amount.
Interest Rate (APR)
1.99% per month (23.8% annualized) on the due amount.
3.75% per month (45% annually).

Rewards & Benefits

Welcome Bonus
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Amazon.in gift card worth ₹500 upon payment of annual fee.
Rewards Rate
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Earn 10X Reward Points on exclusive online partners, 5X on other online spends, and 1 RP per ₹100 on offline spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹99 + GST applies for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
Not Applicable
International Lounge Access
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Not Applicable
Travel Benefits
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
10X Reward Points on Cleartrip & Yatra; e-vouchers worth ₹2,000 each from Cleartrip/Yatra on milestones.
Movie Benefits
10X Reward Points on BookMyShow spends.
Dining Benefits
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
10X Reward Points on Dominos and Swiggy spends.
Golf Benefits
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
1% waiver on transactions between ₹500-₹3,000, capped at ₹100 per cycle.

Security & Other

Insurance Benefits
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Not Applicable
Cash Advance Charges
NIL, but interest charges are applicable from the date of cash advance.
2.5% of withdrawal amount, subject to a minimum fee of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank INFINIA Metal Credit Card

SBI SimplyCLICK 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 SBI SimplyCLICK Credit Card is an excellent entry-level shopping card, especially for online shoppers, offering accelerated reward points on popular brands. With an affordable annual fee of ₹499, which is easily reversible, it helps maximize savings on digital transactions. New cardholders get a ₹500 Amazon gift card, effectively offsetting the first year's fee, and milestone benefits add further value through travel e-vouchers. It's ideal for building credit and offers great utility for everyday online purchases.

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.

Excellent accelerated reward program for online shopping, with up to 10X points on partner brands.

Affordable annual fee of ₹499, easily waived by spending ₹1 lakh annually, making it cost-effective.

Welcome Amazon gift card worth ₹500 effectively offsets the first year's annual fee immediately.

Valuable milestone e-vouchers from Cleartrip/Yatra on achieving specific annual spending goals.

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.

Lacks complimentary domestic or international airport lounge access, limiting benefits for travelers.

Does not provide explicit insurance benefits, which is a common feature in many other cards.

Reward redemption options are somewhat limited, potentially reducing flexibility for cardholders.

Ready to Choose?

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