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Side-by-Side Comparison|Updated March 2026

Axis Bank Signature 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 Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
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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 Signature Credit CardHDFC Bank Infinia
Annual Fee₹5,000₹12,500
Joining Fee₹5,000₹12,500
Fee Waiver Spend₹3,00,000₹10,00,000
Base Reward Rate1%1.0989%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating7.5/109.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

HDFC Bank Infinia

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

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

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 Signature Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

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 Signature Credit Card or HDFC Bank Infinia?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Signature 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 Signature Credit Card and HDFC Bank Infinia?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while HDFC Bank Infinia has an annual fee of ₹12,500. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or HDFC Bank Infinia?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. 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 Signature Credit Card and HDFC Bank Infinia?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and HDFC Bank Infinia can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or HDFC Bank Infinia?
For beginners, Axis Bank Signature Credit Card may be more approachable with a lower annual fee of ₹5,000. However, evaluate based on your expected spending pattern rather than fee alone.

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