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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik Credit Card vs HDFC Bank Infinia

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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HDFC Bank

HDFC Bank Infinia

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Kwik Credit CardHDFC Bank Infinia
Annual FeeFree₹12,500
Joining FeeFree₹12,500
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate0.04000000000000001%1.0989%
Reward CurrencyEDGE Reward PointsReward Points
NetworkRuPayVisa
Editor Rating7.2/109.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

HDFC Bank Infinia

  • 0% on SmartBuy Flights & Hotels
  • 0% on SmartBuy Shopping

Pros & Cons

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

HDFC Bank Infinia

Pros

  • Unmatched 3.33% base reward rate on almost all retail spends.
  • 1:1 redemption ratio for flights, hotels, and premium brands like Apple and Tanishq.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Exclusive luxury hotel benefits including 2+1 night stays and complimentary buffets at ITC Hotels.

Cons

  • Strictly invite-only with very high income and relationship eligibility criteria.
  • Reward points are capped for specific categories like insurance and grocery.
  • High annual fee of ₹12,500 + GST, though offset by welcome points.

Our Verdict

HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Choose HDFC Bank Infinia if

Seeking the highest reward rate in India with premium lifestyle and travel privileges.

Frequently Asked Questions

Which is better: Axis Bank Kwik Credit Card or HDFC Bank Infinia?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Kwik Credit Card and HDFC Bank Infinia?
Axis Bank Kwik Credit Card has no annual fee, while HDFC Bank Infinia has an annual fee of ₹12,500. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Kwik Credit Card or HDFC Bank Infinia?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. HDFC Bank Infinia offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Shopping. The better choice depends on your primary spending categories.
Can I have both Axis Bank Kwik Credit Card and HDFC Bank Infinia?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik Credit Card and HDFC Bank Infinia can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Kwik Credit Card or HDFC Bank Infinia?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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