Skip to main content
Credit CardsComparisons

HDFC Infinia Metal Edition vs SBI Card ELITE

A head-to-head comparison of HDFC Infinia Metal Edition and SBI Card ELITE 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)
Apply Now Read full review →
PremiumCard B

SBI Card ELITE

Mid-Tier Premium

Annual Fee
₹4,999
Reward Rate
5X on dining + milestone benefits
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)₹4,999 (Waived on ₹10L spend)
Reward RateUp to 33% via SmartBuy (5X points)5X on dining + milestone benefits
Best ForHigh Net-Worth IndividualsMid-Tier Premium
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC InfiniaSBI Card
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 ELITE if:

  • Lower annual fee (₹4,999 vs ₹12,500)
  • You spend heavily on dining
  • 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 ELITE

What's good
  • 2 free movie tickets every month via BookMyShow (up to ₹250/ticket)
  • Solid annual milestone bonuses
  • International lounge access via Priority Pass (6 visits/year, max 2/quarter)
Watch out for
  • Lounge access count is limited compared to true premium cards
  • Trident hotel membership discontinued — only 10% dining discount remains
  • Reward points expire and must be actively redeemed
Apply Now
Browse all cards·Try the card recommender →