WINNER
Standard Chartered Ultimate Credit Card
Standard Chartered
VS
HDFC Infinia Credit Card
HDFC Bank
Standard Chartered Ultimate Credit Card vs HDFC Infinia Credit Card
Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.
credit card
Updated Jul 2026
Recommended
92
Overall Score / 100
4.6/5
98
Overall Score / 100
4.9/5
Scoreboard· 5 measured features
5
Standard Chartered Ultimate Credit Card
Overall winner
0
Tied
0
HDFC Infinia Credit Card
What would you save?· ₹ per year, after fees
₹50,000
₹5k₹1L₹2L
Standard Chartered Ultimate Credit Card
Rewards (3.3%)+ ₹19,980
Annual fee− ₹5,000
Net per year+₹14,980
Better here
HDFC Infinia Credit Card
Rewards (150.0%)+ ₹9,00,000
Annual fee− ₹12,500
Net per year+₹8,87,500
HDFC Infinia Credit Card gives you ₹8,72,520 more per year at this spend level.
Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.
Feature-by-Feature Comparison
Feature
Standard Chartered Ultimate Credit Card
HDFC Infinia Credit Card
Annual Fee
₹5,000
₹12,500
Joining Fee
₹5,000
₹12,500
Reward Rate
3.33
3.3% on SmartBuy, 1 point/₹150 base
Welcome Bonus
None
10,000 reward points on first transaction
Lounge Access
Yes
Unlimited worldwide via Priority Pass
Min. Income
₹2,00,000
₹3,00,000
Min. Credit Score
780
800
InvestingPro Expert Verdict
Based on SEBI-compliant analysis • Affiliate disclosed
HDFC Infinia wins on reward value with 5X SmartBuy points. Standard Chartered Ultimate offers unlimited Priority Pass at lower ₹5,000 annual fee vs ₹12,500.
Who Should Get Which?
💰
Choose Standard Chartered Ultimate Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose HDFC Infinia Credit Card
Higher fee but more premium perks like lounge access and higher reward rates — best for frequent spenders.
Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.