SBI SimplyCLICK Credit Card vs HDFC Bank INFINIA Metal Credit Card vs Flipkart Axis Bank Credit Card vs Adani One Signature Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
SBI SimplyCLICK Credit Card
HDFC Bank INFINIA Metal Credit Card
Flipkart Axis Bank Credit Card
Adani One Signature Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
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 high cashback rates on major e-commerce platforms like Flipkart and Myntra.
Cashback is directly credited to your statement, simplifying the redemption process.
Enjoy unlimited cashback on preferred partners and most other eligible card spends.
Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.
Provides a beneficial 1% fuel surcharge waiver at all stations across India.
Pros
Key benefits and features.
Significant travel benefits for domestic & international flyers, with premium airport services.
Airport lounge access is provided without any spending requirements.
A ₹5,000 flight voucher as a joining benefit effectively offsets the first-year fee.
Valuable Pranaam Meet & Greet services included, a rare offering on premium cards.
High reward rate (7%) on Adani ecosystem spends.
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.
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.
Offers relatively low 1% cashback on most offline shopping and general spends.
The card currently does not provide any complimentary insurance benefits to cardholders.
High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.
Welcome benefits for new cardholders have seen a reduction from previous offers.
Reports suggest some users face challenges with voucher redemption and card cancellations.
Cons
Key drawbacks and limitations.
Lacks explicit renewal benefits, although annual fee waiver available for high spenders.
Limited appeal for users whose spending habits do not align with Adani ecosystem or travel.
Welcome benefits require significant spending within a short period to fully unlock vouchers.