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HDFC Bank Infinia Metal vs SBI Cashback Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

HDFC Bank Infinia Metal Credit Card versus SBI Cashback Credit Card compared
FeatureHDFC Bank Infinia Metal Credit CardHDFC Bank Infinia Metal Credit CardHDFC Bank5 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards3.3% on most spends; 16.5% only at partner merchants1% base, up to 5% on online shopping
UPI payments (scan and pay)sameEarns nothingEarns nothing
Online shopping3.3%; 16.5% only at HDFC SmartBuy brand vouchers5%
Dining and food delivery3.3%1%
Groceries3.3%1%
Travel: flights, hotels, trains3.3%; 16.5% only at HDFC SmartBuy1%
FuelsameEarns nothingEarns nothing
Bills and recharges3.3%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums3.3%Earns nothing
School and college fees3.3%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency3.3%1%
Everything else3.3%1%
Card identity
Card typesameShoppingShopping
NetworksameVisaVisa
Card tierSuper premiumMid
Fees
Joining fee₹12,500 + GST₹999 + GST
Annual fee₹12,500 + GST₹999 + GST
Fee waived at₹10,00,000₹2,00,000
Eligibility
Employment type-BOTH
Min credit score-650
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹1,000₹100
Lounge access
Domestic lounge unlimitedYesNo
International lounge unlimitedYesNo
Lounge programmePRIORITY_PASS-
Priority PassYesNo
Lounge conditionUnlimited domestic and international lounge access via complimentary Priority Pass membership, for the primary cardholder and add-on cardholders alike-
Forex and international
Forex markup2%3.5%
Interest and charges
Interest rate (monthly)1.99%3.75%
Interest rate (annual)23.88%45%
Page content
Eligibility-Age: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants
Documents needed-ID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photo
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

HDFC Bank Infinia Metal Credit Card
Rewards a year
₹7,920
Fee a year
- ₹14,750
You keep
- ₹6,830
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

At this spend, SBI Cashback Credit Card comes out ₹11,630 a year ahead of HDFC Bank Infinia Metal Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

HDFC Bank Infinia Metal Credit Card
  • Spending ₹83,333 or more a month: the ₹14,750 fee is waived
  • Frequent flyers: unlimited airport lounge visits
  • Spending abroad: 2% markup, most cards add 3.5%
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

Watch-Outs

HDFC Bank Infinia Metal Credit Card
  • Skip it if you spend less than ₹83,333 a month (₹10,00,000 a year, rent and wallet loads not counted): the ₹14,750 fee is then charged
  • Skip it if most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
  • Skip it if you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • Skip it if you sometimes pay only the minimum due: interest of 1.99% a month (23.88% a year) outweighs any reward
SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (HDFC Bank Infinia Metal Credit Card, SBI Cashback Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, HDFC Bank Infinia Metal Credit Card or SBI Cashback Credit Card?

SBI Cashback Credit Card. SBI Cashback Credit Card: ₹999; HDFC Bank Infinia Metal Credit Card: ₹12,500. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

HDFC Bank Infinia Metal Credit Card has the lowest forex markup. HDFC Bank Infinia Metal Credit Card: 2%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: HDFC Bank Infinia Metal Credit Card 3.3%, SBI Cashback Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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