Vyaya
Side-by-Side Comparison|Updated March 2026

Lifestyle Home Centre Max SBI Card vs HDFC Bank - Infinia Metal

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

SBI Card

Lifestyle Home Centre Max SBI Card

6/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
View Full Details

HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureLifestyle Home Centre Max SBI CardHDFC Bank - Infinia Metal
Annual Fee₹499₹12,500
Joining Fee₹499₹12,500
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate0.25%1.0989%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating6/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Lifestyle Home Centre Max SBI Card

  • 1.25% on Landmark Stores - SHOPPING
  • 1.25% on DINING
  • 1.25% on MOVIES

HDFC Bank - Infinia Metal

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

Pros & Cons

Lifestyle Home Centre Max SBI Card

Pros

  • Accelerated 5 reward points per 100 spent at Landmark Group stores including Lifestyle, Max, and Home Centre.
  • Joining bonus of 2,000 points effectively offsets the first-year fee.
  • Cumulative milestone rewards of up to 16,000 points based on annual spending.
  • Rewards can be instantly redeemed at Landmark partner stores at a value of 0.25 INR per point.

Cons

  • Very low base reward rate of 0.25% on non-Landmark retail spends.
  • No complimentary airport lounge access or travel benefits.
  • High finance charges of 42% per annum if balances are not cleared.

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.

Our Verdict

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

Choose Lifestyle Home Centre Max SBI Card if

Individuals who frequently shop for apparel and home decor at Max, Lifestyle, and Home Centre.

Choose HDFC Bank - Infinia Metal if

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

Frequently Asked Questions

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

Related Comparisons

Lifestyle Home Centre Max SBI Card vs fbb-sbi-styleup-cardHDFC Bank - Infinia Metal vs fbb-sbi-styleup-cardLifestyle Home Centre Max SBI Card vs ICICI Bank Manchester United Signature Credit CardHDFC Bank - Infinia Metal vs ICICI Bank Manchester United Signature Credit Card

Explore More

Lifestyle Home Centre Max SBI Card Full ReviewHDFC Bank - Infinia Metal Full ReviewAll SBI Card CardsAll HDFC Bank CardsBest Shopping CardsBest Dining CardsBrowse All Credit CardsCredit Card Guides & Tips