Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs OneCard Metal Credit Card vs SBI SimplyCLICK
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, OneCard Metal Credit Card, SBI SimplyCLICK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of SBI SimplyCLICK by about ₹2,179/yr.
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | OneCard Metal Credit Card OneCard (BOB/FPL) | SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹12,500 | ₹0 | ₹499 |
| Min income (monthly) | ₹1,00,000 | ₹15,000 | ₹20,000 |
| Top reward rate | 5 RP/₹150 | 1% cashback | 10X points |
| Net annual value (moderate spend) | -₹2,641/yr | ₹3,960/yr | ₹1,781/yr |
| Secured / FD-backed | No | No | No |
| Signup bonus | — | — | ₹500 |
Frequently asked questions
- Which card has the lower annual fee?
- OneCard Metal Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- OneCard Metal Credit Card leads with an estimated ₹3,960/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- OneCard Metal Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Your adjusted comparison
| Feature | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) | SBI CardGold SBI SimplyCLICK •••• •••• •••• 4242 Quick facts SBI SimplyCLICK Top reward10X points Annual fee₹499 Min income₹20,000/mo Tap to flip back SBI SimplyCLICK SBI Card |
|---|---|---|---|
| Annual fee | ₹12,500 | ₹0 | ₹499 |
| Min income | ₹1,00,000 | ₹15,000 | ₹20,000 |
| Top reward rate | 5 RP/₹150 | 1% cashback | 10X points |
| Net value (moderate) | -₹2,641/yr | ₹3,960/yr | ₹1,781/yr |
| Secured / no bureau | Standard | Standard | Standard |
| Signup bonus | — | — | ₹500 |
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