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HDFC Infinia Metal Edition vs SBI Card PRIME

A head-to-head comparison of HDFC Infinia Metal Edition and SBI Card PRIME across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

HDFC Infinia Metal Edition

High Net-Worth Individuals

Annual Fee
₹12,500
Reward Rate
Up to 33% via SmartBuy (5X points)
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PremiumCard B

SBI Card PRIME

Dining & Lounge Lovers

Annual Fee
₹2,999
Reward Rate
10 RP per ₹100 on dining & movies
Apply Now Read full review →

Feature comparison

FeatureHDFC InfiniaSBI Card
Annual Fee₹12,500 (Waived on ₹10L spend; retention now requires ₹18L spend or ₹50L relationship value)₹2,999 + GST (Waived on ₹3L annual spend)
Reward RateUp to 33% via SmartBuy (5X points)10 RP per ₹100 on dining & movies
Best ForHigh Net-Worth IndividualsDining & Lounge Lovers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC InfiniaSBI Card
Groceries
Dining
Movies & entertainment
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose HDFC Infinia Metal Edition if:

  • You spend heavily on domestic travel
  • You spend heavily on international travel
  • You spend heavily on concierge service

Choose SBI Card PRIME if:

  • Lower annual fee (₹2,999 vs ₹12,500)
  • You spend heavily on dining
  • You spend heavily on groceries
  • You spend heavily on movies & entertainment

Full pros & cons

HDFC Infinia Metal Edition

What's good
  • Unlimited domestic and international lounge access for all add-on members
  • Best-in-class travel rewards via HDFC SmartBuy (5X points on flights & hotels)
  • Comprehensive concierge and lifestyle benefits
Watch out for
  • Strictly invite-only — no open application
  • Very high ₹10L annual spend criterion for fee waiver
  • Redemption requests capped at 5/month (February 2026) — limits booking flexibility for high-spend cardholders
  • From April 2026, requires ₹18L annual spend or ₹50L relationship value to retain the card
Apply Now

SBI Card PRIME

What's good
  • 10 RP per ₹100 on dining, groceries, departmental stores & movies (2.5% effective value at ₹0.25/point)
  • 8 domestic lounge visits/year (max 2/quarter) + 4 international via Priority Pass (max 2/quarter)
  • Welcome e-gift vouchers worth ₹3,000 (Shoppers Stop, Bata, Pantaloons, Yatra, etc.)
Watch out for
  • Base earn rate on non-accelerated categories is only 2 RP per ₹100 (0.5% value)
  • Fuel transactions are completely excluded from earning reward points
  • Quarterly milestone Pizza Hut voucher (₹1,000 on ₹50K spend) requires consistent high spending
Apply Now
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