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Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara 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 Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
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 Vistara Credit CardHDFC Bank - Infinia Metal
Annual Fee₹1,500₹12,500
Joining Fee₹1,500₹12,500
Fee Waiver SpendN/A₹10,00,000
Base Reward Rate0.8%1.0989%
Reward CurrencyMaharaja PointsReward Points
NetworkVisaVisa
Editor Rating6.5/109.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara 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 Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

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

Choose Axis Bank Vistara Credit Card if

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

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 Vistara 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 Vistara 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 Vistara Credit Card and HDFC Bank - Infinia Metal?
Axis Bank Vistara Credit Card has an annual fee of ₹1,500, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Vistara Credit Card or HDFC Bank - Infinia Metal?
Axis Bank Vistara Credit Card offers a base reward rate of 0.8%. 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 Vistara Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara 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 Vistara Credit Card or HDFC Bank - Infinia Metal?
For beginners, Axis Bank Vistara Credit Card may be more approachable with a lower annual fee of ₹1,500. However, evaluate based on your expected spending pattern rather than fee alone.

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