SBI Aurum Credit Card vs HDFC Bank Infinia Credit CardSBI Aurum Credit Card vs HDFC Bank Infinia Credit Card

SBI Aurum vs HDFC Bank Infinia Credit Card

SBI Bank and HDFC Bank have introduced high-end credit cards, namely the SBI AURUM Credit Card and HDFC Bank Infinia Credit Card. Both of these high-end credit cards fall into the super-premium tier, distinguished by their metal construction that exudes elegance and sophistication. Each card presents a range of outstanding perks, placing them in direct rivalry with one another.

The SBI AURUM Credit Card stands out as a top-tier option, offering unique advantages tailored to its holders. These perks range from boosted reward points and complimentary memberships to sought-after services like Amazon Prime, Zomato Pro, Discovery Plus, BB Star, and Eazydiner Prime. Alongside, new members are greeted with significant reward points as part of a warm welcome. For frequent travelers, the card grants unlimited access to airport lounges. To ensure optimal use of accumulated points, cardholders can easily redeem them via the exclusive AURUM rewards portal.

Despite its annual fee of Rs. 10,000, which may be considered relatively high, the SBI AURUM Credit Card justifies its cost through the impressive rewards and benefits it offers to its users.

Features & Benefits of SBI Aurum Credit Card and HDFC Bank Infinia Credit Card

SBI Aurum Credit Card:

1. Top-tier Elite Card: A superior credit card offering exclusive perks and privileges.
2. Welcome Benefits:

  • 40,000 Reward Points worth Rs. 10,000 on successful payment of joining fee.
  • Complimentary subscriptions for 6 months to popular applications.

3. Reward Points:

  • Earn 4 Reward Points for every Rs. 100 spent.
  • 4 movie tickets per month via BookMyShow.

4. Lounge Access:

  • 4 complimentary domestic lounge visits per quarter.
  • Unlimited access to international airport lounges.

5. Achieve Milestone Rewards: Obtain vouchers for TataCliq, LUXE, and Taj as you reach certain annual spending thresholds.

6. Low Foreign Currency Markup Fee: 1.99% foreign currency markup fee.

7. Fee Waiver Benefit: Enjoy exemption from the annual fee by reaching a spending threshold of Rs. 12,00,000 within a single anniversary year.

8. Fuel Surcharge Waiver: 1% fuel surcharge waiver on all fuel transactions.

9. Redemption offers rewards that can be exchanged for gift vouchers, flights, and hotel bookings.

HDFC Bank Infinia Credit Card:

1. Exclusive Luxury Card: Designed specifically for affluent clientele with substantial wealth.

2. Welcome Benefits:

  • Complimentary Club Marriot membership for one year.
  • 12,500 reward points on joining fee payment.

3. Reward Points:

  • Earn 5 Reward Points for every Rs. 150 spent (except fuel).
  • Accelerated points for travel and shopping categories.

4. Lounge Access: Unlimited visits to domestic and international airport lounges with Priority Pass.

5. Additional Benefits:

  • Complimentary one-night stay at partnered ITC hotels.
  • Good Food Trial program benefits.

6. Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions from Rs. 400 to Rs. 1,00,000.

7. Golf Benefits: Complimentary unlimited golf games.

8. Low Forex Markup Fee: 2% foreign currency markup fee.

9. Insurance provides protection for accidental air death, credit liability, medical emergencies, and credit shield.

10. Fee Waiver: Annual fee waived on spending Rs. 10 Lakhs in the previous year.

11. Earn an extra 10,000 Reward Points as a bonus when the annual fee is waived.

12. Redemption: Rewards can be redeemed on the SmartBuy portal or via Netbanking.

Contrasting SBI Aurum Credit Card with HDFC Bank’s Infinia Credit Card

SBI Aurum Credit Card:

1. Gain 4 Reward Points on every Rs. 100 you spend.

2. Reward Redemption: Redeem points against gift vouchers, flight tickets, etc., available on the AURUM Rewards Portal.

3. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on fuel transactions.

4. Milestone Benefit:

  • Receive TataCliq voucher worth Rs. 1,500 on monthly spends of Rs. 1 Lakh.
  • Get a LUXE Voucher worth Rs. 5,000 on spending Rs. 5 Lakhs in a year.
  • Avail Taj voucher worth Rs. 10,000 on annual spends of Rs. 10 Lakhs.

5. Lounge Access: Gain entry to four domestic lounges every three months through the Visa/MasterCard Domestic Lounge Program.

6. Dining Benefits: Indulge in the benefits of a free membership to both Zomato Pro and Eazydiner.

7. Movie Benefits: Get four free movie tickets every month.

8. Golf Benefits: No specific golf benefits.

9. Joining Fee: Rs. 10,000 + Taxes.

10. Renewal Fees: Rs. 10,000 + GST (waived off upon spending Rs. 12 Lakh or more in the previous year).

11. Eligibility:

  • Residents of India who are at least 18 years old, whether they are employed or self-employed, are eligible to apply.
  • High annual income required.
  • B credit score needed for eligibility.

HDFC Bank Infinia Credit Card:

1. Reward Rate: Earn 5 Reward Points for every Rs. 150 spent.

2. Redeem your rewards effortlessly either through Netbanking or via the SmartBuy Portal.

3. Fuel Surcharge Waiver: Avail 1% fuel surcharge waiver on all fuel transactions between Rs. 400 and Rs. 1,00,000.

4. Milestone Benefit: No specific milestone benefits mentioned.

5. Lounge Access:

  • Enjoy complimentary access to domestic lounges every quarter through the Visa/MasterCard domestic lounge program, with an unlimited number of visits.
  • Unlimited free access to international lounges worldwide for the primary cardmember and add-on cardholders.

6. Dining Benefits: Complimentary membership to the Good Food Trial Program and 20% off at Club Marriott Hotels.

7. Movie Benefits: No specific movie benefits mentioned.

8.  Benefits: Enjoy unlimited complimentary golf games at all golf courses in India and selected courses globally.

9. Joining Fee: Rs. 12,500 + Taxes.

10. Renewal Fees: Rs. 12,500 + GST (waiver upon spending over Rs. 10 Lakh or more in the last year).

11. Eligibility:

  • Indian resident, available to both salaried and self-employed applicants above 21 years.
  • Stable and high annual income required.
  • Excellent credit score and a relationship with the issuer bank needed for eligibility.

Which credit card suits you best?

SBI AURUM Credit Card:

  1. Classy Appearance: SBI AURUM is a metal credit card, providing a sophisticated look.
  2. Special perks are available exclusively to cardholders, including generous welcome bonuses, travel privileges, free airport entry for both domestic and international flights, rewards for reaching milestones, as well as dining and cinema benefits.
  3. Justified Fees: Despite a high joining and renewal fee, the benefits offered by the card justify the cost.

HDFC Bank Infinia Credit Card:

  1. The HDFC Infinia card boasts an elegant design, featuring a sleek metallic finish that adds to its sophisticated appeal.
  2. Enjoy exclusive perks as a member! Upon joining, cardholders gain access to complimentary memberships for a range of popular applications.
  3. Dining Benefits: The card includes a Good Food Trail Program for dining benefits.
  4. Comprehensive Privileges: Enjoy boundless entry to both local and global airport lounges, coupled with exclusive access to prestigious golf courses.
  5. Higher Fees, More Features: Although the joining fee surpasses that of the SBI AURUM Credit Card, the Infinia Card offers more features.

Affordability and Target Audience:

  1. Premium Segment: Due to the high joining and annual fees, these cards cater to the premium section of society with a substantial and stable income.
  2. Informed decisions allow individuals to choose between the two cards according to their unique requirements and spending habits.

Frequently Asked Questions (FAQs)

Q: What distinguishes the SBI Aurum Credit Card from the HDFC Bank Infinia Credit Card?

A: Both are high-end credit cards, but SBI Aurum is offered by State Bank of India, while Infinia is from HDFC Bank. Differences lie in their specific features and benefits.

Q: What exclusive advantages does the SBI Aurum Credit Card offer?

A: SBI Aurum offers a metal credit card with exclusive perks, including substantial welcome benefits, travel privileges, complimentary airport access, milestone rewards, and dining and movie benefits.

Q: How does the HDFC Bank Infinia Credit Card stand out in terms of features?

A: HDFC Bank Infinia provides an elegant metal card with complimentary memberships to popular applications, a Good Food Trail Program for dining benefits, unlimited airport lounge access, and access to golf courses.

Q: Do the fees for each credit card match each other?

A: No, the joining and renewal fees differ. SBI Aurum has a high fee structure justified by its benefits. HDFC Bank Infinia has a higher joining fee but offers additional features.

Q: Who is the target audience for these credit cards?

A: Both cards target the premium segment of society with high and stable incomes due to their elevated joining and annual fees.

Q: Is it possible to select a credit card that aligns with my spending habits?

A: Yes, individuals can choose between SBI Aurum and HDFC Bank Infinia based on their specific needs, lifestyle preferences, and spending habits.

Q: Do these credit cards provide international benefits?

A: Certainly! Both cards provide global advantages, such as free entry to international airports and additional perks for travelers.

Q: Do HDFC Bank Infinia Credit Card holders enjoy any extra benefits?

A: Yes, HDFC Bank Infinia provides additional perks such as unlimited access to golf courses, making it stand out in terms of recreational benefits.

Q: How do I decide between the two credit cards?

A: Take into account your personal preferences, lifestyle, and spending patterns. Assess the unique characteristics of each card to make a well-informed choice tailored to your specific requirements.

Q: Are there any additional fees or costs linked to these credit cards that are not openly disclosed?

A: It’s recommended to thoroughly examine the terms and conditions of each card to grasp any possible concealed fees. Normally, banks clearly communicate all charges without ambiguity.

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