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Side-by-Side Comparison|Updated March 2026

Miles & More Axis Bank World Credit Card vs HDFC Bank - Infinia Metal

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

Axis Bank

Miles & More Axis Bank World Credit Card

7.2/10
Annual Fee₹3,500
Base Rewards0.9000000000000001%
NetworkMastercard
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HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureMiles & More Axis Bank World Credit CardHDFC Bank - Infinia Metal
Annual Fee₹3,500₹12,500
Joining Fee₹3,500₹12,500
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate0.9000000000000001%1.0989%
Reward CurrencyAward MilesReward Points
NetworkMastercardVisa
Editor Rating7.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Miles & More Axis Bank World Credit Card

  • 4.5% on ENTERTAINMENT

HDFC Bank - Infinia Metal

  • 10.99% on SmartBuy Flights & Hotels — 15000 pts/month
  • 5.48% on SmartBuy Other Categories — 15000 pts/month

Pros & Cons

Miles & More Axis Bank World Credit Card

Pros

  • Generous welcome bonus of 5,000 Award Miles upon first transaction
  • Annual renewal bonus of 3,000 Award Miles ensures recurring value
  • Miles do not expire as long as you hold the card and make at least one miles-earning purchase per month
  • High reward rate on movie spends (20 miles per ₹200 spent)

Cons

  • High annual fee of ₹3,500 with no specified spend-based waiver
  • Domestic lounge access is subject to a spend of ₹50,000 in the previous 3 months
  • Miles are primarily valuable for Star Alliance partners, limiting flexibility compared to generic points

HDFC Bank - Infinia Metal

Pros

  • Industry-leading 3.33% base reward rate with 1:1 redemption on travel.
  • Accelerated rewards up to 33% via HDFC SmartBuy platform.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Low 2% foreign currency markup fee, ideal for international spenders.

Cons

  • Strictly invite-only, making it inaccessible to most applicants.
  • High annual fee of ₹12,500 + GST, though offset by renewal points.
  • Recent caps on reward redemptions for Apple products and Tanishq vouchers.

Our Verdict

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

Choose Miles & More Axis Bank World Credit Card if

Travelers who frequently fly with Lufthansa, Swiss Air, or other Star Alliance partners.

Choose HDFC Bank - Infinia Metal if

Exclusive lifestyle benefits, unlimited golf, and concierge services tailored for HNIs.

Frequently Asked Questions

Which is better: Miles & More Axis Bank World Credit Card or HDFC Bank - Infinia Metal?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, Miles & More Axis Bank World Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Miles & More Axis Bank World Credit Card and HDFC Bank - Infinia Metal?
Miles & More Axis Bank World Credit Card has an annual fee of ₹3,500, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Miles & More Axis Bank World Credit Card or HDFC Bank - Infinia Metal?
Miles & More Axis Bank World Credit Card offers a base reward rate of 0.9000000000000001% with accelerated rewards on ENTERTAINMENT. HDFC Bank - Infinia Metal offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Other Categories. The better choice depends on your primary spending categories.
Can I have both Miles & More Axis Bank World Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Miles & More Axis Bank World Credit Card and HDFC Bank - Infinia Metal can complement each other if they cover different reward categories.
Which card is better for beginners: Miles & More Axis Bank World Credit Card or HDFC Bank - Infinia Metal?
For beginners, Miles & More Axis Bank World Credit Card may be more approachable with a lower annual fee of ₹3,500. However, evaluate based on your expected spending pattern rather than fee alone.

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