Infinia Metal Edition Hdfc Credit Card vs Sbi Card Tata Select Credit Card: Which is Better in 2026?
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The Infinia Metal Edition Hdfc Credit Card and the Sbi Card Tata Select Credit Card cater to different user needs. While the Infinia card offers extensive rewards and travel benefits, the Tata Select card provides a more accessible annual fee structure with a focus on dining rewards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Infinia Metal Edition Hdfc Credit Card | Sbi Card Tata Select Credit Card |
|---|---|---|
| Bank | HDFC Bank | SBI Cards |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.12500 | — |
| Annual / renewal fee | Renewal Fee of Rs. 12500 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.10 Lakh For Renewal Fee Waiver | — |
| Reward rate (headline) | Earn 10X Reward Points on Pharmeasy | Earn 3X Empower Points on Dining |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | — |
| Welcome benefit | Earn 12500 Reward Points As Welcome Benefit | Welcome Benefits - e- Gift Voucher Worth Rs.3000 |
| Foreign currency markup | 2% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Infinia Metal Edition Hdfc Credit Card excels in rewards, offering 10X points on various categories including hotels and shopping, along with a substantial welcome benefit of 12,500 reward points. In contrast, the Sbi Card Tata Select Credit Card provides 3X Empower Points on dining and international spends, which is less competitive for those seeking high rewards across multiple categories. Overall, for rewards enthusiasts, the Infinia card is a stronger choice.
Which is better for travel?
Travel benefits are significantly better with the Infinia Metal Edition Hdfc Credit Card, which offers unlimited complimentary access to both domestic and international lounges. The Sbi Card Tata Select Credit Card, however, only includes 8 complimentary domestic lounge accesses per year, making it less appealing for frequent travelers. Therefore, for those prioritizing travel perks, the Infinia card stands out.
Which has lower effective cost?
The Sbi Card Tata Select Credit Card has a much lower annual fee of Rs. 2999 compared to the Infinia card's joining and renewal fee of Rs. 12,500. However, the Infinia card offers a fee waiver upon spending Rs. 10 lakh, which may be beneficial for high spenders. For users looking for a low-cost option, the Tata Select card is more suitable.
Who should pick Infinia Metal Edition Hdfc Credit Card?
Consider Infinia Metal Edition Hdfc Credit Card if you are a high spender who values premium rewards, extensive travel benefits, and luxury perks such as unlimited lounge access and concierge services.
Who should pick Sbi Card Tata Select Credit Card?
Consider Sbi Card Tata Select Credit Card if you prefer a lower annual fee and are primarily focused on dining rewards, along with a straightforward welcome benefit of an e-gift voucher.
Frequently Asked Questions
The joining fee is Rs. 12,500.
It offers 8 complimentary domestic lounge accesses per year.
The forex markup is 2% on foreign currency transactions.
It provides a welcome benefit of an e-gift voucher worth Rs. 3000.