Detailed head-to-head comparison between HSBC Premier Metal Credit Card and HDFC Bank INFINIA Metal Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
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Best for: HSBC Premier Banking clients, global jet-setters, corporate executives, and international travelers wanting near-zero forex markups and bespoke hospitality perks.
Rewards: 3 Reward Points per ₹100 spent
Lounge access: Unlimited Domestic & International
Forex markup: 0.99% Low Forex
Renewal fee waived on ₹15,00,000 annual spend
Last verified 9 Sept 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Detailed attribute comparison and head-to-head winner declaration.
| Key Specification | ||
|---|---|---|
Bank / Issuer | HSBC India | HDFC Bank |
Joining Fee | ₹12,000★ Lower Fee | ₹12,500 |
Annual / Renewal Fee | ₹20,000 | ₹12,500★ Lower Fee |
Fee Waiver Condition | 1500000 | 1000000 |
Rewards & Cashback | 3 Reward Points per ₹100 spent | 5 Reward Points per ₹150 spent |
Airport Lounge Access | Unlimited Domestic & International 1 domestic airports • 1 international terminals | Unlimited Domestic & International 31 domestic airports • 1 international terminals |
Welcome Bonus | 20,000 Reward Points | Standard welcome pack |
Best Suited For | HSBC Premier Banking clients, global jet-setters, corporate executives, and international travelers wanting near-zero forex markups and bespoke hospitality perks. | Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India. |
| Official Apply Link | Apply Online (HSBC India) | Apply Online (HDFC Bank) |
Detailed complimentary domestic & international lounge entitlement comparison.
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