SBI Aurum Credit Card vs HDFC Bank Infinia Credit Card

SBI Aurum Credit Card vs HDFC Bank Infinia Credit Card

Last Updated : March 10, 2025, 3:19 p.m.

Choosing the right premium credit card is a big decision for people with high incomes. Amongst premium credit cards, the SBI Aurum and HDFC Bank Infinia Credit Cards are two top options. The SBI Aurum Card is known for its rewards and luxury perks, while the HDFC Infinia Card is famous for its rewards program, travel benefits, and efficient concierge services. If you’re trying to decide between them, you will have to look at factors like annual fees, the kind of rewards you prefer, and which card’s benefits fit your lifestyle the best. So, let’s now take a closer look at both cards in SBI Aurum Credit Card Vs HDFC Infinia Credit Card to see which one might be better for you. Before you apply for a credit card, do a free CIBIL score check on Wishfin and know whether you are eligible for the card.

Comparing SBI Aurum Credit Card and HDFC Infinia Credit Card

The SBI Aurum credit card is a high end premium card designed to meet your elegant lifestyle. With luxurious complimentary memberships like the Club Marriott, angel investment network, dreamfolks and other premium perks across travel, golf, movies, and concierge services, the SBI Aurum credit card is a great one to have for those who desire a high quality lifestyle.


The HDFC Infinia credit card is one of India’s top super premium credit cards providing a comprehensive rewards program, complimentary club memberships, hotel perks with ITC and Marriott, golf privileges, unlimited lounge access, fuel surcharge waiver, low forex mark-up fee, etc. Primarily, HDFC Infinia’s 1:1 redemption value for travel bookings via SmartBuy and Air Mile conversion enables it to outshine its competitors in this area.

ParameterSBI Aurum Credit CardHDFC Infinia Credit Card
Reward Points
  • 4 reward points per Rs. 100 spent.
  • 5 reward points per Rs. 150 spent across all retail categories including insurance, education, and utilities.

Rewards redemption

  • The reward points can be redeemed against flight tickets, gift vouchers, etc. available on the Aurum rewards portal
  • Can be redeemed via netbanking or the SmartBuy portal.

Lounge access

  • 4 complimentary domestic airport lounge visits per quarter. Applicable for add-on cardholders also.
  • Unlimited international lounge access with free membership to Dreamfolks airport lounge program.

  • Enjoy unlimited complimentary airport lounge access in India for primary and add on card holders.
  • Enjoy unlimited complimentary airport lounge access outside India at 1,000+ airport lounges using priority pass.
  • Benefits are also available for add on priority pass holders.

Dining Benefits

  • Complimentary Club Marriott membership
  • Complimentary Club Marriott membership for the first year that offers up to 20% discounts for dining and stay across the Asia - Pacific region.

Movie Benefits

  • 4 complimentary movie tickets in a month
  • Can avail of movie discounts through Visa Infinite

Golf Benefits

  • 16 complimentary golf rounds each year (With 4 each quarter)
  • Unlimited complimentary golf games at all golf courses in India and select golf courses across the globe.

Milestone benefit

  • Get a TataCliq voucher worth Rs. 1,500 on monthly spends of Rs. 1 lakh.
  • Get a Luxe voucher worth Rs. 5,000 on spends of Rs. 5 lakhs in a year.
  • Get a Taj voucher worth Rs. 10,000 on annual spends of Rs. 10 lakhs.

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Joining fee

  • Rs. 9,999

  • Rs.12,500

Renewal fee

  • Rs. 9,999
  • Rs.12,500

Renewal fee waiver

  • The renewal fee can be waived off on spends of Rs. 12 lakhs or more in the previous year
  • The renewal fee can be waived off on spends of Rs. 10 lakhs or more in the previous year.

Eligibility

  • The applicant must be an Indian resident.
  • The card can be issued to both salaried and self-employed applicants aged above 18 years.
  • The applicant must have a high annual income.
  • The applicant must have a good credit score to be eligible for this credit card.
  • The gross annual income must be more than Rs. 40 lakhs
  • The applicant must be an Indian resident
  • The card can be issued to both the salaried and the self-employed applicants with age more than 21 years.
  • The applicant must have a stable and high income.
  • The applicant must have a good credit score to be eligible for this credit card.
  • The applicant must have a good relationship with the issuing bank.

Which Card to Choose?

The SBI Aurum credit card and the HDFC Bank Infinia credit card are high quality premium credit cards and are especially curated for individuals who spend high and desire luxury. The SBI Aurum Credit Card is a metal credit card with a classy appearance. This card gives various high end benefits to cardholders like huge welcome benefits, travel benefits, milestone benefits, dining and movie benefits, and complimentary access to domestic and international airports. Although the joining and renewal fee are rather high, it is worthwhile to have this card due to the benefits it provides. On the other hand, the HDFC Bank Infinia credit card is also a metal credit card, which gives the card an elegant look. This card provides you with complimentary memberships, complimentary good food trail program, unlimited access to domestic and international airport lounges and golf courses. The fee for this credit card is more than that of the SBI Aurum Credit Card, but the features provided by this card are also more comparatively. To be eligible for this card, individuals must have a high and stable source of income. Determining which card to choose, you can select one depending on your needs and spending habits. Reading the comparison - SBI Aurum Credit Card Vs HDFC Infinia Credit Card will definitely help.

Wrapping Up!

In comparing the SBI Aurum Credit Card with the HDFC Bank Infinia Credit Card, it’s clear that both cards offer a suite of premium benefits tailored to the needs of high spenders, frequent travelers, and avid shoppers. While the SBI Aurum Card shines with its exclusive memberships and lifestyle perks, the HDFC Infinia Card stands out for its high rewards rate and comprehensive travel benefits. Ultimately, the choice between these two cards comes down to individual preferences and spending habits.

Frequently Asked Questions (FAQs)

What are the benefits of the Aurum credit card in flight booking?

Will I get an Amazon Prime membership using the SBI Aurum Credit Card?

How are the loss of goods or baggage during travel and flight delay covered using the SBI Aurum credit card?

Do HDFC Infinia points expire?

What is the offer of HDFC Infinia ITC?

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