OneCard Metal Credit Card VS RBL Bank LUMIERE Credit Card VS TMB Phoenix Credit Card VS HDFC Bank INFINIA Metal Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
OneCard Metal Credit Card
RBL Bank LUMIERE Credit Card
TMB Phoenix Credit Card
HDFC Bank INFINIA Metal Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
No joining, annual, or rewards redemption fees.
Premium metal card design offers an exclusive and sophisticated feel.
Powerful mobile app provides comprehensive control over card usage.
Earn 5X rewards on top 2 spend categories with instant, non-expiring points.
Seamless and quick digital onboarding process for instant activation.
Pros
Key benefits and features.
Features a distinctive, high-quality metal card construction for prestige.
Offers exclusive "Select Circle" concierge for personalized, elevated service.
Provides three complimentary add-on cards to share luxury with family.
Positions cardholders within an exclusive world of privilege and bespoke experiences.
Pros
Key benefits and features.
Zero joining and card issuance fees make it an accessible option for new users.
Enjoy an extended interest-free credit period of up to 45 days.
Comprehensive insurance cover, including personal accident and lost card liability.
Annual fee waiver on spending Rs. 1,00,000 annually, offering good value.
Option to convert larger spends (Rs. 5,000+) into convenient EMIs.
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.
Specific reward categories for 5X benefits are not detailed in the provided information.
Cons
Key drawbacks and limitations.
The RBL Bank LUMIERE Credit Card has a very high joining fee of INR 50,000 + GST.
Lacks explicit details on specific reward programs or earning rates for spends.
No information provided regarding potential annual or renewal fees for the card.
Limited details on practical benefits like lounge access, insurance, or waivers.
Cons
Key drawbacks and limitations.
High finance charge of 24% per annum on revolving credit and cash advances.
Foreign currency markup of up to 3.50% makes international spends costly.
Cash advance charges of 3% (min Rs. 30) plus finance charges are substantial.
Late payment fee of Rs. 250 + GST can add up quickly if payments are missed.
Eligibility criteria are strict, requiring specific IT returns and CIBIL score.
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.