Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Visa Infinite Credit Card vs ICICI Bank Platinum Chip Credit Card

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

Axis Bank

Axis Bank Visa Infinite Credit Card

7/10
Annual Fee₹30,000
Base Rewards0.6000000000000001%
NetworkVisa
View Full Details

ICICI Bank

ICICI Bank Platinum Chip Credit Card

6.5/10
Annual FeeFree
Base Rewards0.125%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Visa Infinite Credit CardICICI Bank Platinum Chip Credit Card
Annual Fee₹30,000Free
Joining Fee₹30,000Free
Fee Waiver SpendN/AN/A
Base Reward Rate0.6000000000000001%0.125%
Reward CurrencyEDGE Reward PointsICICI Bank Reward Points
NetworkVisaVisa
Editor Rating7/106.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Visa Infinite Credit Card

  • 1.2% on TRAVEL

ICICI Bank Platinum Chip Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Visa Infinite Credit Card

Pros

  • Unlimited domestic lounge access for both primary and add-on cardholders
  • Complimentary 6 golf rounds per year at premier golf courses in India
  • Comprehensive insurance cover including air accident cover up to ₹4.5 Crores
  • Dedicated 24/7 Concierge services for travel and lifestyle assistance

Cons

  • High annual fee of ₹30,000 with no clearly defined spend-based waiver
  • Low reward earn rate (0.6% domestic) compared to other super-premium cards
  • Reward points value is relatively low at ₹0.20 per point for most redemptions

ICICI Bank Platinum Chip Credit Card

Pros

  • Lifetime free card with no joining or annual fees ever
  • Earn 2 reward points for every ₹100 spent on retail purchases
  • 1% fuel surcharge waiver at HPCL pumps for transactions up to ₹4,000
  • Minimum 15% savings on dining bills at 2,500+ partner restaurants via Culinary Treats

Cons

  • No complimentary airport lounge access
  • Low reward rate of 0.5% on general retail spends
  • Reward points on utilities and insurance are capped at 1 point per ₹100

Our Verdict

Both Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Chip Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Visa Infinite Credit Card if

Individuals seeking premium lifestyle privileges, unlimited domestic lounge access, and golf benefits.

Choose ICICI Bank Platinum Chip Credit Card if

Ideal for beginners looking to build a credit history without the burden of annual fees.

Frequently Asked Questions

Which is better: Axis Bank Visa Infinite Credit Card or ICICI Bank Platinum Chip Credit Card?
Both Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Chip Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Chip Credit Card?
Axis Bank Visa Infinite Credit Card has an annual fee of ₹30,000, while ICICI Bank Platinum Chip Credit Card has no annual fee.
Which card has better rewards: Axis Bank Visa Infinite Credit Card or ICICI Bank Platinum Chip Credit Card?
Axis Bank Visa Infinite Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on TRAVEL. ICICI Bank Platinum Chip Credit Card offers 0.125% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Chip Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Chip Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Visa Infinite Credit Card or ICICI Bank Platinum Chip Credit Card?
For beginners, ICICI Bank Platinum Chip Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Visa Infinite Credit Card vs HDFC Bank - Infinia MetalICICI Bank Platinum Chip Credit Card vs HDFC Bank - Infinia MetalAxis Bank Visa Infinite Credit Card vs ICICI Bank Emeralde Private Metal Credit CardICICI Bank Platinum Chip Credit Card vs ICICI Bank Emeralde Private Metal Credit CardAxis Bank Visa Infinite Credit Card vs SBI Card AURUMICICI Bank Platinum Chip Credit Card vs SBI Card AURUMAxis Bank Visa Infinite Credit Card vs Amazon Pay ICICI Bank Credit CardICICI Bank Platinum Chip Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

Axis Bank Visa Infinite Credit Card Full ReviewICICI Bank Platinum Chip Credit Card Full ReviewAll Axis Bank CardsAll ICICI Bank CardsBest Travel CardsBest Lounge Access CardsBrowse All Credit CardsCredit Card Guides & Tips