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Side-by-Side Comparison|Updated March 2026

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

ICICI Bank Platinum Identity Credit Card

7/10
Annual Fee₹750
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Visa Infinite Credit CardICICI Bank Platinum Identity Credit Card
Annual Fee₹30,000₹750
Joining Fee₹30,000₹2,000
Fee Waiver SpendN/A₹2,00,000
Base Reward Rate0.6000000000000001%0.25%
Reward CurrencyEDGE Reward PointsHand-picked Rewards
NetworkVisaVisa
Editor Rating7/107/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Visa Infinite Credit Card

  • 1.2% on TRAVEL

ICICI Bank Platinum Identity 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 Identity Credit Card

Pros

  • Accelerated rewards of 8 points per ₹200 on annual spends exceeding ₹5 Lakhs.
  • Double rewards on international spends (4 points per ₹200) compared to domestic.
  • Complimentary 24/7 i-Assist concierge services for travel and lifestyle assistance.
  • 1% fuel surcharge waiver at all HPCL pumps for transactions up to ₹4,000.

Cons

  • Low base reward rate of 0.25% (2 points per ₹200) for domestic spends.
  • Domestic lounge access is restricted by a high quarterly spend requirement of ₹75,000.
  • Priority Pass membership is complimentary but individual visits are chargeable at $35+.

Our Verdict

Both Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Identity 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 Identity Credit Card if

Best for those who spend over ₹5 Lakhs annually to unlock the 1% reward rate tier.

Frequently Asked Questions

Which is better: Axis Bank Visa Infinite Credit Card or ICICI Bank Platinum Identity Credit Card?
Both Axis Bank Visa Infinite Credit Card and ICICI Bank Platinum Identity 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 Identity Credit Card?
Axis Bank Visa Infinite Credit Card has an annual fee of ₹30,000, while ICICI Bank Platinum Identity Credit Card has an annual fee of ₹750. ICICI Bank Platinum Identity Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Visa Infinite Credit Card or ICICI Bank Platinum Identity Credit Card?
Axis Bank Visa Infinite Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on TRAVEL. ICICI Bank Platinum Identity Credit Card offers 0.25% 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 Identity 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 Identity 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 Identity Credit Card?
For beginners, ICICI Bank Platinum Identity Credit Card may be more approachable with a lower annual fee of ₹750. However, evaluate based on your expected spending pattern rather than fee alone.

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