SBI AURUM vs HDFC Infinia Metal (2026)
SBI's five-year answer to Infinia never answered the earn — AURUM's 1% plus a voucher ladder against Infinia's 3.3% flowing into 1:1 miles. The metal matches; the math is a 5:1 toll versus an open door.
Head to head
| Metric | SBI AURUM | HDFC Infinia Metal |
|---|---|---|
| Our rank | #79 | #1 |
| Annual fee | ₹9,999 + GST | ₹12,500 + GST |
| Fee waiver | ₹12,00,000 spend | ₹10,00,000 spend |
| Forex markup | 1.99% (AURUM concession; SBI standard 3.5%) | 2% + GST |
| APR | 3.75%/mo (45%/yr) | 1.99%/mo (23.88%/yr) |
| Effective reward rate | 1.0% | 3.3% |
| Currency | AURUM Reward Points | HDFC Reward Points |
| House value | ₹0.25/pt | ₹1.00/pt |
| Welcome benefit | 40,000 AURUM Reward Points (₹10,000 at the 4-per-₹1 peg) + a year of Club Marriott, WSJ and Mint | 12,500 reward points + complimentary Club Marriott, first year |
| Lounge doors opened | 167 of 663 | 607 of 663 |
| Income — salaried | not published | ₹5L+/month net (private sector); ₹3.5L+/month (govt) |
| Income — self-employed | not published | ITR ₹60L+/yr |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
HDFC Infinia Metal out-earns SBI AURUM at every spend level we model, from ₹25k to ₹5L a month.
Transfer reach
Both reach
- British Airways Executive Club (Avios) 5:1 vs 2:1
- Air India Maharaja Club 5:1 vs 2:1
- AirAsia Rewards 4:1 vs 1:1
Only HDFC Infinia Metal
- Singapore Airlines KrisFlyer
- Finnair Plus (Avios)
- Qatar Airways Privilege Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, HDFC Infinia Metal nets ₹55,764 against ₹45,000 — a ₹10,764 gap. At ₹5L/month, HDFC Infinia Metal nets ₹2,78,820 against ₹1,13,000 — a ₹1,65,820 gap. Lounge chasers: HDFC Infinia Metal opens 607 of 663 tracked doors to SBI AURUM's 167.
Our standing verdicts: SBI AURUM — Keep; HDFC Infinia Metal — Keep. On our board, HDFC Infinia Metal sits at #1 to SBI AURUM's #79 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →