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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Infinia Metal vs Axis Bank Select Credit Card

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

HDFC Bank

HDFC Bank - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Axis Bank

Axis Bank Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Infinia MetalAxis Bank Select Credit Card
Annual Fee₹12,500₹3,000
Joining Fee₹12,500₹3,000
Fee Waiver Spend₹10,00,000₹8,00,000
Base Reward Rate1.0989%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating9.5/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Infinia Metal

  • 10.99% on SmartBuy Flights & Hotels — 15000 pts/month
  • 5.48% on SmartBuy Other Categories — 15000 pts/month

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

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.

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Select Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank - Infinia Metal if

Exclusive lifestyle benefits, unlimited golf, and concierge services tailored for HNIs.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: HDFC Bank - Infinia Metal or Axis Bank Select Credit Card?
HDFC Bank - Infinia Metal edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Select Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank - Infinia Metal and Axis Bank Select Credit Card?
HDFC Bank - Infinia Metal has an annual fee of ₹12,500, while Axis Bank Select Credit Card has an annual fee of ₹3,000. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: HDFC Bank - Infinia Metal or Axis Bank Select Credit Card?
HDFC Bank - Infinia Metal offers a base reward rate of 1.0989% with accelerated rewards on SmartBuy Flights & Hotels and SmartBuy Other Categories. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Infinia Metal and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Infinia Metal and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Infinia Metal or Axis Bank Select Credit Card?
For beginners, Axis Bank Select Credit Card may be more approachable with a lower annual fee of ₹3,000. However, evaluate based on your expected spending pattern rather than fee alone.

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