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BOB Etihad Guest vs HDFC Infinia Metal

Compare BOB Etihad Guest vs HDFC Infinia Metal across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Infinia Metal leads on reward rate, while BOB Etihad Guest has the lowest annual fee.

Card 1

BOB Etihad Guest

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.0

Card 2

HDFC Infinia Metal

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
BOB Etihad Guest - BOB credit card
Balanced value6.0

bob / VISA

BOB Etihad Guest

Annual

₹2,999

Return

3%

Lounges

6

Forex

0%

Card summary
  • BOB Etihad Guest leans travel and lifestyle with ₹2,999 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Infinia Metal
Premium stack10.0

hdfc / VISA

HDFC Infinia Metal

Annual

₹12,500

Return

3.3%

Lounges

Unlimited

Forex

2%

Card summary
  • HDFC Infinia Metal leans travel and lifestyle with ₹12,500 annual fee, 3.3% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹12,500 annual fee.
  • 3.3% cashback keeps value easy to understand.
  • Unlimited lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹45,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Best when annual benefits are actively redeemed.

Full card details
Metric
BOB Etihad Guest
HDFC Infinia Metal
Fees
Annual fee
₹2,999
₹12,500
Joining fee
₹2,999
₹12,500
Rewards
Cashback rate
1%
3.3%
Reward rate
3%
3.3%
Travel
Forex markup
0%
2%
Domestic lounges
4
Unlimited
International lounges
2
Unlimited
Benefits
Fuel waiver
Yes
No
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹8,00,000
₹45,00,000

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