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HDFC Infinia Metal vs SBI IRCTC Platinum

Compare HDFC Infinia Metal vs SBI IRCTC Platinum 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 SBI IRCTC Platinum has the lowest annual fee.

Card 1

HDFC Infinia Metal

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4
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
SBI IRCTC Platinum - SBI credit card
Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • 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
Metric
HDFC Infinia Metal
SBI IRCTC Platinum
Fees
Annual fee
₹12,500
₹499
Joining fee
₹12,500
₹499
Rewards
Cashback rate
3.3%
1%
Reward rate
3.3%
2%
Travel
Forex markup
2%
3.5%
Domestic lounges
Unlimited
2
International lounges
Unlimited
0
Benefits
Fuel waiver
No
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹45,00,000
₹2,00,000

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