AURUM and Infinia Credit Card are super-premium credit cards launched by SBI Bank and HDFC Bank, respectively. These credit cards are metal editions and are classy in appearance. These credit cards provide top-notch benefits to their members and give neck-to-neck competition to each other. Being a premium credit card, the SBI AURUM Credit Card provides cardholders with exclusive benefits such as accelerated reward points, complimentary membership, and subscriptions to various popular applications such as Mint. The cardholders are provided with welcome benefits in the form of huge reward points. As a travel benefit, the card gives cardholders unlimited access to airport lounges. The reward points earned can be redeemed on the dedicated AURUM rewards portal. This credit card comes with an annual fee of ₹9,999, which, although on the higher side, is entirely justified when we see the rewards and benefits that this card brings along with it.

SBI Aurum Credit Card vs HDFC Bank Infinia Credit Card

On the other hand, the HDFC Bank Infinia Credit Card is also a super-premium credit card offering a wide variety of unmatched benefits to its members. HDFC Bank launched this credit card, targeting high-net-worth individuals who would like to have a luxurious lifestyle and avail of various travel benefits. The benefits, such as 24×7 concierge benefits, access to premium golf destinations, exclusive dining benefits at premium restaurants, etc, come with this credit card. This card offers a low foreign currency markup fee, which is very beneficial for those who travel internationally quite often. Additionally, this card provides higher reward points on the amount that you spent using this credit card. The joining fee for this credit card is Rs. 12,500, which is quite high but affordable for those who have a stable and strong financial status and would like to enjoy the premium benefits of the card.

Both credit cards, i.e., the SBI AURUM Credit Card and the HDFC Bank Infinia Credit Card, are exclusive credit cards designed for individuals with high net worth that provide premium benefits to cardholders. Both of these cards are invite only. Although you can express your interest in SBI Aurum, you need to contact your relationship manager for Infinia.

In terms of the features and benefits, these cards might look similar, but they are different as well. The details of the features and benefits a cardholder gets are below.

SBI AURUM Credit Card

SBI AURUM Credit Card is a high-end card that is one of the premium credit cards offering amazing welcome benefits, reward points, and complimentary subscriptions to various popular applications. The cardholder will also get complimentary visits to airport lounges across the world. This card also offers a low foreign currency markup fee, which allows cardholders to save a lot while on an international trip. The SBI AURUM Credit Card comes with an annual fee of ₹9,999 + GST. This fee can be waived when you exceed a certain amount of expenses by using the card. Below mentioned is are the detailed features and benefits of this credit card-

  • As a welcome benefit, the cardholders will get 40,000 Reward Points worth ₹10,000 on the successful payment of the joining fee of the credit card (4 Reward Points = ₹1). Additionally, the cardholders will also get a complimentary subscription to Club Marriott, Wall Street Journal, and Mint.
  • With the SBI Aurum Credit Card, the cardholder will get 4 RPs for every ₹100 spent on any transactions made with this credit card.
  • Cardholders will get 4 movie tickets in a month through BookMyShow. The maximum value of one movie ticket is capped at ₹250. A maximum of 2 movie tickets can be booked in a single transaction.
  • You get 4 complimentary visits per quarter to the domestic airport lounges under the Visa/MasterCard domestic lounge program.
  • The cardholders will get unlimited access to the international airport lounges under the Dreamfolks Airport Lounge Program.
  • You also get benefits when you cancel your flight tickets. You get a cover of ₹3,500 per ticket on cancellation of refundable tickets and ₹3,000 per ticket on cancellation of non-refundable tickets. This benefit can be availed twice a year.
  • The cardholders will also get the following milestone benefits –
    • TataCliq voucher worth ₹1,500 on the monthly expenditure of ₹1 Lakh.
    • LUXE voucher worth ₹ 5,000 on spending ₹5 Lakh in a year.
    • Taj voucher worth ₹10,000 on annual spends of ₹10 Lakhs in a year.
    • Apple vouchers worth Rs. 20,000 on yearly spends of ₹20 lakh.
  • This credit card charges a low foreign currency markup fee of 1.99% of the total transaction amount.
  • The annual fee of ₹9,999 for the SBI Aurum Credit Card will be waived on spending ₹ 12,00,000 in an anniversary year using this credit card.
  • Earned rewards with this credit card are redeemable against a variety of offers, such as gift vouchers, flight bookings, and hotel reservations at the dedicated AURUM rewards portal.

For redemption purposes, 1 Reward Point = Re. 0.25.

4 Reward Points 1 Club Vistara Points
5 Reward Points 1 Club ITC Green Points
4 Reward Points 1 Air Asia Point

HDFC Bank Infinia Credit Card

The Infinia Credit Card by HDFC Bank is a top-end credit card that has recently been launched in the metal edition, which gives this credit card a majestic look. This card has been curated to target high-net-worth individuals, providing them with the top-notch services that they need to have a luxurious lifestyle. The cardholders get exclusive welcome benefits, high reward points, complimentary visits to the domestic and international airport lounges, 24×7 concierge services, and much more. This credit card also offers a low forex markup fee of 2% as compared to the standard rate of 3.5%. The annual fee of the HDFC Infinia Credit Card is ₹12,500. The annual fee can be waived on the basis of the amount you spend using the credit card in an anniversary year. Following are the details and benefits of this credit card –

  • As a welcome benefit to the credit card, the cardholder will get a complimentary membership to Club Marriot for one year. With this, the cardholders will get a 20% discount on dining bills for  10 guests at most. With a 20% discount on the best available rates with the participating Marriott hotels in the country and in the Asia Pacific Region, you get the same deal on Weekend Rates.
  • The cardholders will also get a generous 12,500 reward points once they have successfully paid the membership fee for the credit card.
  • 5 Reward Points for every ₹150 spent with this credit card on all transactions except fuel.
  • The cardholders can get accelerated reward points while spending on travel and shopping categories on the SmartBuy portal.
    • 10x Reward Points while spending on hotel, flight, and bus ticket bookings.
    • 5x Reward Points while shopping through Amazon or while booking railway tickets.
    • 3x Reward Points while shopping through Flipkart.
  • The cardholders get unlimited visits to domestic and international airport lounges all across the world with Priority Pass Membership.
  • You also get a complimentary one-night stay at the partnered ITC hotels if you make a booking for a 2-nights stay.
  • Under the Good Food Trial program, the cardholders get a complimentary Dineout Passport Membership. With this, the cardholders get –
    • 1+1 buffet on weekends at the participating ITC hotels.
    • 1+1 on food and drinks at the selected restaurants.
    • 200+ restaurants get you a 1+1 buffet.
    • A guaranteed discount of 25% at the 2000+ premium restaurants.
  • The cardholders also get a fuel surcharge waiver of 1% on all fuel transactions from ₹400 to ₹1,00,000 at all fuel stations in India. The surcharge amount is capped at a maximum of ₹1,000 per month.
  • You get unlimited golf games at the best golf courses in the country and a few selected golf courses around the world as a complimentary benefit.
  • The HDFC Bank Infinia Credit Card offers a low forex mark-up fee of 2% compared to 3.5% for the other credit cards in the market.
  • The annual fee of ₹12,500 for the HDFC Bank Infinia Credit Card will be waived if an amount of ₹10 Lakhs is spent using the credit card in the previous year.
  • The cardholders will not get a bonus of 10,000 Reward Points if the annual fee on the credit card is waived.

The Reward Points earned with this credit card can be redeemed on SmartBuy or via Netbanking. Check the table below for details on the full reward point conversion.

Against Hotel/Flight Bookings, DTH Recharges, etc on SmartBuy 1 RP = ₹1
Against AirMiles 1 RP = 1 AirMile
Against Products or Vouchers 1 RP = ₹0.50
Against Apple and Tanishq Vouchers on SmartBuy 1 RP = ₹1
Against Cashback 1 RP = ₹0.30

Quick Comparison

Now that we have discussed the features of both the cards individually, let us now have a quick comparison between the SBI AURUM Credit Card and the HDFC Bank Infinia Credit Card –

Basis SBI AURUM Credit Card HDFC Bank Infinia Credit Card
Reward Rate 4 Reward Points for every ₹100 spent. 5 RPs for every ₹150 spent.
Reward Redemption Can be redeemed against gift vouchers, flight tickets, etc, available on the AURUM Rewards Portal. Can be redeemed via Netbanking or on the SmartBuy Portal.
Milestone Benefit
  • TataCliq voucher worth ₹1,500 on a monthly spend of ₹1 Lakh.
  • LUXE Voucher is worth ₹5,000 for spending ₹5 Lakhs in a year.
  • Taj voucher worth ₹ 10,000 on annual spends of ₹10 Lakhs.
  • NA
Lounge Access
  • 4 complimentary visits to domestic lounges per quarter with Visa/MasterCard Domestic Lounge Program.
  • Unlimited international lounge access with complimentary membership to Dreamfolks Airport Lounge Program.
  • Unlimited free domestic lounge visits per quarter with Visa/MasterCard domestic lounge program
  • Unlimited free access to international lounge across the globe for the primary cardmember and all add-on cardholders.
Dining Benefits Complimentary membership to Club Marriott.
  • Complimentary dining benefits with the Good Food Trial Program and 20% off while dining at Club Marriott Hotels.
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 (4 each quarter) Unlimited complimentary golf games at all golf courses in India and selected golf courses across the globe.
Joining Fee ₹9,999 + GST ₹12,500 + GST
Renewal Fees ₹9,999 + GST

(renewal fee can be waived off upon spending ₹12 Lakh or more in the previous year)

₹12,500 + GST

(renewal fee waiver upon spending over ₹10 Lakh or more in the last year)

Eligibility
  • The applicant should be an Indian resident.
  • The card can be issued to both salaried and self-employed applicants with ages above 18 years.
  • The applicant should have a high annual income.
  • The applicant is required to have a b credit score in order to be eligible for this credit card.
  • Gross annual income should be above ₹40 lakhs.
  • The applicant should be an Indian resident.
  • The card can be issued to both salaried and self-employed applicants with ages above 21 years.
  • The applicant should have a stable and high annual income.
  • The applicant is required to have an excellent credit score and a good relationship with the issuer bank to be eligible for this credit card.

Bottom Line

The SBI AURUM Credit Card and the HDFC Bank Infinia Credit Card are quite high-end credit cards and are specially designed for the elite section of society, providing them with top-notch benefits and luxurious lifestyles. The SBI AURUM Credit Card is a metal credit card, giving the card a classy look. This card provides various exclusive benefits to cardholders, including huge welcome benefits, travel benefits, etc. This card also provides cardholders with complimentary access to domestic and international airports, milestone benefits, dining, and movie benefits. Although this card comes with a rather high joining and renewal fee, it is justified with respect to the benefits that this card provides. On the other hand, the HDFC Bank Infinia Credit card is also a metal credit card that gives the card an elegant look. This card provides you with complimentary membership to various famous applications as a joining benefit to this credit card.

Apart from this, the credit card provides the cardholders with a complimentary Good Food Trail Program, which allows them to enjoy various dining benefits. Additionally, you get unlimited access to domestic and international airport lounges and golf courses. The joining fee for this credit card is even more than that of the SBI AURUM Credit Card, but the features that this card provides are more than those of the AURUM Credit Card. Because the joining and annual fees of these credit cards are on the higher side, they will be affordable to the premium section of society who have a high and stable source of income. Individuals can choose among the two on the basis of their needs and spending patterns.

For any more queries related to these cards, please feel free to ask us in the comment section below!

5 Comments

  1. Piyush Reply

    Tanishq vouchers are also priced at 0.5 reward rate. And I didn’t see any Apple vouchers on SMARTBUY.

  2. swapan kundu Reply

    arum credit card is best credit card

    • Kartik Kanwar Reply

      Indeed, it is one of the most premium offerings by SBI Card.

  3. sandeep Reply

    sbi has upgraded my card to aurum from signature but the limit is only 2.5 lac how it can be upgraded. my record about on time payment is 100%

    • Kartik Kanwar Reply

      You can contact SBI Customer Care or even write to them via mail. It’s usually best to ask for a limit upgrade after six months. But no harm in trying.

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