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Side-by-Side Comparison|Updated March 2026

Axis Bank Reserve 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

Axis Bank Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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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

FeatureAxis Bank Reserve Credit CardHDFC Bank - Infinia Metal
Annual Fee₹50,000₹12,500
Joining Fee₹50,000₹12,500
Fee Waiver Spend₹35,00,000₹10,00,000
Base Reward Rate0.2%1.0989%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating8.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Reserve Credit Card

No accelerated rewards listed

HDFC Bank - Infinia Metal

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

Pros & Cons

Axis Bank Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

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, Axis Bank Reserve Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

Choose HDFC Bank - Infinia Metal if

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

Frequently Asked Questions

Which is better: Axis Bank Reserve Credit Card or HDFC Bank - Infinia Metal?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Reserve 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 Reserve Credit Card and HDFC Bank - Infinia Metal?
Axis Bank Reserve Credit Card has an annual fee of ₹50,000, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Reserve Credit Card or HDFC Bank - Infinia Metal?
Axis Bank Reserve Credit Card offers a base reward rate of 0.2%. 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 Axis Bank Reserve Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Reserve Credit Card and HDFC Bank - Infinia Metal can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Reserve Credit Card or HDFC Bank - Infinia Metal?
For beginners, HDFC Bank - Infinia Metal may be more approachable with a lower annual fee of ₹12,500. However, evaluate based on your expected spending pattern rather than fee alone.

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