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Side-by-Side Comparison|Updated March 2026

Shaurya 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

Shaurya SBI Card

7.5/10
Annual Fee₹250
Base Rewards0.0625%
NetworkRuPay
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HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureShaurya SBI CardHDFC Bank - Infinia Metal
Annual Fee₹250₹12,500
Joining Fee₹250₹12,500
Fee Waiver Spend₹50,000₹10,00,000
Base Reward Rate0.0625%1.0989%
Reward CurrencyReward PointsReward Points
NetworkRuPayVisa
Editor Rating7.5/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Shaurya SBI Card

  • 0.31% on CSD
  • 0.31% on Dining
  • 0.31% on Movies
  • 0.31% on Grocery

HDFC Bank - Infinia Metal

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

Pros & Cons

Shaurya SBI Card

Pros

  • Accelerated 5X reward points on CSD, dining, movies, and grocery spends.
  • Low annual fee of ₹250, easily waived on spending ₹50,000 annually.
  • Complimentary Personal Accident Insurance cover of ₹2 Lakh.
  • Welcome bonus of 1,000 reward points effectively offsets the joining fee.

Cons

  • No airport lounge access (available only on the Select variant).
  • Low base reward rate of 0.25% on non-accelerated categories.
  • Redemption fee of ₹99 + GST applies to reward redemptions.

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, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Shaurya SBI Card if

Tailored benefits for CSD canteen shopping and low maintenance costs.

Choose HDFC Bank - Infinia Metal if

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

Frequently Asked Questions

Which is better: Shaurya SBI Card or HDFC Bank - Infinia Metal?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, Shaurya SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Shaurya SBI Card and HDFC Bank - Infinia Metal?
Shaurya SBI Card has an annual fee of ₹250, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. Shaurya SBI Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Shaurya SBI Card or HDFC Bank - Infinia Metal?
Shaurya SBI Card offers a base reward rate of 0.0625% with accelerated rewards on CSD 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 Shaurya SBI Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Shaurya SBI Card and HDFC Bank - Infinia Metal can complement each other if they cover different reward categories.
Which card is better for beginners: Shaurya SBI Card or HDFC Bank - Infinia Metal?
For beginners, Shaurya SBI Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

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