Side-by-side · honest numbers
HDFC Bank Infinia Credit Card vs PhonePe SBI Card SELECT BLACK
Honest side-by-side comparison of HDFC Bank Infinia Credit Card, PhonePe SBI Card SELECT BLACK — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC Bank Infinia Credit Card
HDFC Bank
PhonePe SBI Card SELECT BLACK
SBI Card
Your adjusted comparison
| Feature | Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Bank Infinia Credit Card Top reward: 5 RP/₹150 Annual fee: ₹12,500 Min income: ₹1,00,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank | SBI Card PhonePe SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card SELECT BLACK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,500 | ₹1,499 |
| Fee waiver threshold | ₹10,00,000/yr | Waived at ₹3,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,246/yr | ₹7,350/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo |
| Travel | ₹3,000 → 100 pts/mo × ₹1/pt = ₹100/mo (₹1,200/yr) | — |
| Utilities & bills | — | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo |
| Top reward rate | 5 RP/₹150 | 10% |
| Primary reward cap | 3,000 accelerated pts/mo | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Domestic + international (Priority Pass) — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter required for domestic lounge; international per PP rules — verify MITC | 4 domestic airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹1,500 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-infinia-vs-phonepe-sbi-select-blackReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads HDFC Bank Infinia Credit Card by about ₹15,596/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC Bank Infinia Credit Card HDFC Bank | PhonePe SBI Card SELECT BLACK SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹12,500 | ₹1,499 |
| Fee waiver threshold | ₹10,00,000/yr | Waived at ₹3,00,000/yr spend |
| Min income | ₹1,00,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,246/yr | ₹7,350/yr |
| Online shopping | — | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo |
| Travel | ₹3,000 → 100 pts/mo × ₹1/pt = ₹100/mo (₹1,200/yr) | — |
| Utilities & bills | — | ₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo |
| Top reward rate | 5 RP/₹150 | 10% |
| Primary reward cap | 3,000 accelerated pts/mo | ₹1,500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | Domestic + international (Priority Pass) — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in the previous calendar quarter required for domestic lounge; international per PP rules — verify MITC | 4 domestic airport lounge visits per year · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends |
| Key exclusions | EMI · Fuel · Rent · Wallet | Fuel · Wallet top-ups · Rent · EMI · Cash advance |
| Bonuses | ||
| Signup bonus | — | ₹1,500 |
Frequently asked questions
- Which card has the lower annual fee?
- PhonePe SBI Card SELECT BLACK has the lowest annual fee at ₹1,499.
- Which card earns more on moderate spend?
- PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- PhonePe SBI Card SELECT BLACK lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC Bank Infinia Credit Card comparisons
- HDFC Bank Infinia Credit Card vs 811 Dream Different Credit Card
- HDFC Bank Infinia Credit Card vs AU Altura Credit Card
- HDFC Bank Infinia Credit Card vs AU Zenith Credit Card
- HDFC Bank Infinia Credit Card vs American Express Gold Card
- HDFC Bank Infinia Credit Card vs American Express Platinum Travel Card
- HDFC Bank Infinia Credit Card vs American Express SmartEarn Credit Card
- HDFC Bank Infinia Credit Card vs Amex Membership Rewards CC
- HDFC Bank Infinia Credit Card vs Axis Bank ACE Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Airtel Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Atlas Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Bank Infinia Credit Card vs Axis Bank Magnus Credit Card