Vyaya
Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs HDFC Bank Infinia

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
View Full Details

HDFC Bank

HDFC Bank Infinia

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTHDFC Bank Infinia
Annual Fee₹1,499₹12,500
Joining Fee₹1,499₹12,500
Fee Waiver Spend₹2,00,000₹10,00,000
Base Reward Rate0.25%1.0989%
Reward CurrencyReward PointReward Points
NetworkVisaVisa
Editor Rating7.5/109.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

HDFC Bank Infinia

  • 0% on SmartBuy Flights & Hotels
  • 0% on SmartBuy Shopping

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

HDFC Bank Infinia

Pros

  • Unmatched 3.33% base reward rate on almost all retail spends.
  • 1:1 redemption ratio for flights, hotels, and premium brands like Apple and Tanishq.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Exclusive luxury hotel benefits including 2+1 night stays and complimentary buffets at ITC Hotels.

Cons

  • Strictly invite-only with very high income and relationship eligibility criteria.
  • Reward points are capped for specific categories like insurance and grocery.
  • High annual fee of ₹12,500 + GST, though offset by welcome points.

Our Verdict

HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose HDFC Bank Infinia if

Seeking the highest reward rate in India with premium lifestyle and travel privileges.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or HDFC Bank Infinia?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and HDFC Bank Infinia?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while HDFC Bank Infinia has an annual fee of ₹12,500. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or HDFC Bank Infinia?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. HDFC Bank Infinia offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Shopping. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and HDFC Bank Infinia?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and HDFC Bank Infinia can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or HDFC Bank Infinia?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Fabindia SBI Card SELECT vs SBI Card PRIMEHDFC Bank Infinia vs SBI Card PRIMEFabindia SBI Card SELECT vs Axis Bank Select Credit CardHDFC Bank Infinia vs Axis Bank Select Credit CardFabindia SBI Card SELECT vs ICICI Bank Emeralde Private Metal Credit CardHDFC Bank Infinia vs ICICI Bank Emeralde Private Metal Credit Card

Explore More

Fabindia SBI Card SELECT Full ReviewHDFC Bank Infinia Full ReviewAll SBI Card CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips