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Side-by-Side Comparison|Updated March 2026

Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card

6.2/10
Annual Fee₹100
Base Rewards0.04000000000000001%
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

FeatureAxis Bank Titanium Smart Traveler Credit CardHDFC Bank - Infinia Metal
Annual Fee₹100₹12,500
Joining Fee₹250₹12,500
Fee Waiver Spend₹50,000₹10,00,000
Base Reward Rate0.04000000000000001%1.0989%
Reward CurrencyEDGE Reward PointsReward Points
NetworkMastercardVisa
Editor Rating6.2/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Titanium Smart Traveler Credit Card

  • 0% on International Spends
  • 0% on Domestic Travel (Hotels, Ai...

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 Titanium Smart Traveler Credit Card

Pros

  • Accelerated 8X EDGE points on international transactions
  • 4X EDGE points on domestic travel bookings including flights and hotels
  • Extremely low annual fee of ₹100, waivable on ₹50,000 annual spend
  • 15% discount at over 4,000 partner restaurants via Dining Delights

Cons

  • No complimentary airport lounge access
  • Very low base reward rate of 0.2% on general spends
  • High interest rate of 46.78% p.a. if balance is not cleared

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

Choose Axis Bank Titanium Smart Traveler Credit Card if

Ideal for those who want a low-cost card that provides extra rewards on travel bookings and international spends.

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 Titanium Smart Traveler 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 Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card and HDFC Bank - Infinia Metal?
Axis Bank Titanium Smart Traveler Credit Card has an annual fee of ₹100, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. Axis Bank Titanium Smart Traveler Credit Card offers a fee waiver on ₹50,000 annual spend. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Titanium Smart Traveler Credit Card or HDFC Bank - Infinia Metal?
Axis Bank Titanium Smart Traveler Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on International Spends and Domestic Travel (Hotels, Ai.... 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 Titanium Smart Traveler Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Titanium Smart Traveler 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 Titanium Smart Traveler Credit Card or HDFC Bank - Infinia Metal?
For beginners, Axis Bank Titanium Smart Traveler Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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