Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank - Infinia Metal vs SBI Card PRIME

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

HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Infinia MetalSBI Card PRIME
Annual Fee₹12,500₹2,999
Joining Fee₹12,500₹2,999
Fee Waiver Spend₹10,00,000₹3,00,000
Base Reward Rate1.0989%0.125%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating9.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Infinia Metal

  • 10.99% on SmartBuy Flights & Hotels — 15000 pts/month
  • 5.48% on SmartBuy Other Categories — 15000 pts/month

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

Pros & Cons

HDFC Bank - Infinia Metal

Pros

  • Industry-leading 3.33% base reward rate with 1:1 redemption on travel.
  • Accelerated rewards up to 33% via HDFC SmartBuy platform.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Low 2% foreign currency markup fee, ideal for international spenders.

Cons

  • Strictly invite-only, making it inaccessible to most applicants.
  • High annual fee of ₹12,500 + GST, though offset by renewal points.
  • Recent caps on reward redemptions for Apple products and Tanishq vouchers.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

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

Choose HDFC Bank - Infinia Metal if

Exclusive lifestyle benefits, unlimited golf, and concierge services tailored for HNIs.

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: HDFC Bank - Infinia Metal or SBI Card PRIME?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank - Infinia Metal and SBI Card PRIME?
HDFC Bank - Infinia Metal has an annual fee of ₹12,500, while SBI Card PRIME has an annual fee of ₹2,999. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank - Infinia Metal or SBI Card PRIME?
HDFC Bank - Infinia Metal offers a base reward rate of 1.0989% with accelerated rewards on SmartBuy Flights & Hotels and SmartBuy Other Categories. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Infinia Metal and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Infinia Metal and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Infinia Metal or SBI Card PRIME?
For beginners, SBI Card PRIME may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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