What are the key benefits of SBI Credit Cards?

SBI Credit Cards offer a wide range of benefits, including rewards, cashback, lounge access, discounts, and insurance coverage.

How can I apply for an SBI Credit Card?

You can apply for an SBI Credit Card online through the Paisabazaar platform, where you can compare card options and check for pre-approved offers.

What factors should I consider when choosing an SBI Credit Card?

Consider your spending habits, lifestyle, and financial goals to select a card that best suits your needs, such as travel, shopping, or rewards.

How can I manage my SBI Credit Card efficiently?

SBI Card offers a user-friendly mobile app and online banking services to help you manage your card, check statements, make payments, and access additional features.

What precautions should I take to avoid accumulating credit card debt?

Responsible credit card usage includes paying bills on time, managing credit limits wisely, and avoiding unnecessary spending to prevent debt accumulation.

HDFC Infinia Metal Credit Card: Benefits, Rewards, and Eligibility

HDFC Bank has introduced the HDFC Infinia Credit Card Metal Edition, which offers a range of benefits to cardholders. These include unlimited access to airport lounges for both primary and add-on cardholders, welcome and renewal benefits of 12,500 reward points each, Club Marriott membership for one year, attractive reward points, a fuel surcharge waiver, and more. The HDFC Infinia card is designed to provide a premium lifestyle with exclusive privileges.

This exclusive credit card is available for application on the HDFC Bank website. It features a contactless metallic card, allowing for convenient and secure transactions. Cardholders can enjoy complimentary nights and weekend buffets at participating ITC hotels.

They also receive complimentary Club Marriott membership for the first year, granting them up to 20% discounts on dining and stay experiences across the Asia Pacific region. Additionally, cardholders have unlimited access to airport lounges worldwide, ensuring a luxurious travel experience.

The HDFC Infinia Credit Card also offers a 24/7 global personal concierge service, providing assistance and support wherever and whenever it is needed. Moreover, this card comes with a low markup fee of 2% on all foreign currency transactions, making it an ideal choice for international travelers. In the unfortunate event of card loss, cardholders have zero liability for any fraudulent transactions if they report it immediately to the bank's 24-hour call center.

Cardholders can also enjoy up to 50 days of interest-free period from the date of purchase. They can avail of revolving credit at a nominal interest rate and convert their transactions into equated monthly installments (EMIs) ranging from 6 to 24 months.

In terms of benefits, the HDFC Infinia Credit Card offers a wide range of advantages. The welcome benefits include 12,500 reward points upon fee realization and card activation.

Cardholders also receive complimentary Club Marriott membership for a year, offering up to 20% discounts on dining and stay experiences across the Asia Pacific region. Additionally, if cardholders spend Rs. 10 Lakhs or more in the preceding 12 months, they qualify for the renewal membership fee waiver.

One of the notable features of this card is the unlimited complimentary lounge access at over 1,000 airport lounges in and outside India, using the Priority Pass. This benefit is available not only to the primary cardholder but also to the add-on card members. Moreover, cardholders earn 5 reward points on every Rs. 150 spent on retail purchases, including insurance, utilities, education, and rent payment. They can also earn up to 10X reward points on travel and shopping spends through Smartbuy.

The HDFC Infinia Credit Card also offers a complimentary Club Marriott membership for the first year. This membership provides up to 20% discounts on food and beverage bills at participating restaurants for a maximum of 10 guests. Cardholders can also enjoy up to 20% off on room rates at participating Marriott hotels in India and weekend rates in the Asia Pacific region. Additionally, they receive a 20% discount on spa services at participating Marriott hotels in India from Monday to Friday.

In terms of hotel and dining benefits, cardholders can book a three-night stay with their HDFC Infinia credit card and only pay for two nights at participating ITC hotels. They can also enjoy a complimentary weekend buffet (on Saturdays and Sundays) at these hotels. However, these offers are applicable only on advance bookings made through the concierge desk, and a maximum of one complimentary buffet per booking per month is allowed.

Golf enthusiasts will also appreciate the HDFC Infinia Credit Card, as it offers unlimited complimentary golf games at leading golf courses across India and select courses worldwide. Cardholders can also avail of unlimited complimentary golf coaching at select courses in India and benefit from a green fee waiver.

Food lovers can take advantage of the Good Food Trail program, which provides a complimentary Dineout passport membership for a year. This membership offers flat 25% off at over 2,000 premium restaurants and 1+1 deals on buffet and food and drinks at select restaurants. Cardholders can also enjoy early access to events and festivals, including the Great Indian Restaurant Festival (GIRF), and get additional discounts and cashback on bill payments via Dineout Pay at participating restaurants.

Other benefits of the HDFC Infinia Credit Card include a 1% fuel surcharge waiver at all fuel stations in India, with a maximum waiver of Rs. 1,000 per statement cycle. Cardholders are also provided with insurance coverage, including accidental air death cover valued at Rs. 3 crores, emergency overseas hospitalization of up to Rs. 50 lakhs, and a credit shield cover for up to Rs. 9 lakhs.

When it comes to fees and charges, the HDFC Infinia Credit Card has a joining fee of Rs. 12,500 plus applicable taxes. The renewal fee is also Rs. 12,500 plus applicable taxes, but it is waived off if cardholders spend Rs. 10 lakhs or more in the preceding 12 months. Priority Pass membership comes with a charge of USD 27 plus GST per visit per guest, with a transaction fee of Rs. 2 for complimentary lounge access. Revolving credit charges are 1.99% per month (23.88% annually), and there is a processing fee of Rs. 99 for auto EMI conversions.

Late payment charges can go up to Rs. 1,300, and there is a payment return charge of 2% of the payment amount, with a minimum of Rs. 450. Balance transfer processing charges are 1% of the transfer amount or Rs. 250, whichever is higher. A fee of 1% of the transaction amount plus GST is applicable for railway ticket purchases. In case of a lost, stolen, or damaged card, cardholders are charged Rs. 100 for reissuance. Outstation cheque processing charges range from Rs. 25 to Rs. 50. There is a foreign currency markup fee of 2% on all foreign currency transactions, along with Goods and Services Tax (GST) and a 2% TDS on total cash withdrawals above Rs. 1 crore.

To be eligible for the HDFC Infinia Credit Card, individuals must receive an invitation from HDFC Bank. The primary cardholder can be either a resident or non-resident Indian, between the ages of 18 and 70 years.

To apply for the HDFC Infinia Credit Card, individuals can visit the HDFC Bank website and click on the 'Credit Cards' tab. From there, they can choose HDFC from the dropdown menu and click on the 'Apply Now' button. The required details, such as name, mobile number, email address, employment information, and income details, must be provided. After verifying the mobile number with an OTP, an HDFC credit card expert will contact the applicant to discuss eligibility and assist with the application process.

The HDFC Infinia Credit Card also offers a rewards program, allowing cardholders to earn points for their spending. They can earn 5 reward points for every Rs. 150 spent on retail purchases, including insurance, utilities, education, and rent payment. Travel and shopping spends on Smartbuy can earn up to 10X reward points. These points can be redeemed for flights/hotels booking, Apple products, Tanishq vouchers, airmiles, and more. The value of the reward points varies depending on the redemption option.

In addition to the HDFC Infinia Credit Card, HDFC Bank offers a range of other credit card options to cater to different needs and preferences. Some of these include the HDFC IndianOil Credit Card, Millennia Credit Card, HDFC Freedom Credit Card, and HDFC Diners Club Credit Card, among others.

With its exclusive benefits and privileges, the HDFC Infinia Credit Card is an attractive choice for customers seeking a premium lifestyle and exceptional rewards.