SBI AURUM Credit Card vs HDFC Bank INFINIA 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.
Fees & Charges
Joining Fee
Rs. 9,999 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Renewal Fee
Rs. 9,999 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Spend Based Waiver
Annual fee waived on achieving annual spends of Rs. 12,00,000 in previous year.
Spend ₹10 lakh or more in preceding 12 months to get renewal fee waived for the next year.
Foreign Transaction Fees
1.99% of the transaction amount.
Lowest markup fee of 2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
3.75% per month (45% per annum).
1.99% per month or 23.8% annualized on the due amount for revolving credit.
Rewards & Benefits
Welcome Bonus
40,000 Reward Points (worth ₹10,000) & 1-year memberships to Club Marriott, WSJ, Mint.
Complimentary Club Marriott membership for the first year & 12,500 bonus Reward Points upon fee realization.
Rewards Rate
Earn 4 Reward Points for every Rs. 100 spent (1% reward rate).
Earn 5 Reward Points on every ₹150 retail spend, up to 10x on Smartbuy (up to 3.3% rate).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Rs. 99 plus applicable taxes per redemption request.
Nil.
Travel & Lifestyle
Domestic Lounge Access
4 complimentary domestic airport lounge access per quarter for primary & add-on cardholders.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited international airport lounge access with Dreamfolks membership + 1 guest visit quarterly.
Unlimited complimentary airport lounge access abroad via Priority Pass for primary and add-on cardholders.
Travel Benefits
Complimentary Spa access quarterly. Flight cancellation cover of up to Rs. 3,500/ticket.
Unlimited lounge access, ITC hotel stay benefits, flight/hotel bookings via SmartBuy, and concierge.
Movie Benefits
4 complimentary BookMyShow movie tickets every month, each capped at Rs. 250.
Not Applicable
Dining Benefits
Not Applicable
Up to 20-25% discounts on dining with Club Marriott & FLAT 10% EXTRA OFF via Swiggy Dineout.
Golf Benefits
16 complimentary golf rounds & 12 golf lessons per calendar year.
Unlimited complimentary golf lessons and games at leading courses globally with 100% green fee waiver.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India.
1% fuel surcharge waiver (₹400-₹1L transactions), max ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
Travel insurance (₹1L flight delay/baggage) & Lost Card/Fraud Protection (₹10L).
Accidental Air Death cover (₹3 Cr), overseas hospitalization (₹50L), Credit Shield (₹9L).
Cash Advance Charges
2.50% of withdrawn amount, minimum Rs. 500.
NIL. Interest charges are applicable.