Vyaya
Side-by-Side Comparison|Updated March 2026

HDFC Bank Infinia vs Axis Bank ACE 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

9.8/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
View Full Details

Axis Bank

Axis Bank ACE Credit Card

8.5/10
Annual Fee₹499
Base Rewards1%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureHDFC Bank InfiniaAxis Bank ACE Credit Card
Annual Fee₹12,500₹499
Joining Fee₹12,500₹499
Fee Waiver Spend₹10,00,000₹2,00,000
Base Reward Rate1.0989%1%
Reward CurrencyReward PointsCashback
NetworkVisaVisa
Editor Rating9.8/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Infinia

  • 0% on SmartBuy Flights & Hotels
  • 0% on SmartBuy Shopping

Axis Bank ACE Credit Card

No accelerated rewards listed

Pros & Cons

HDFC Bank Infinia

Pros

  • Unmatched 3.33% base reward rate on almost all retail spends.
  • 1:1 redemption ratio for flights, hotels, and premium brands like Apple and Tanishq.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Exclusive luxury hotel benefits including 2+1 night stays and complimentary buffets at ITC Hotels.

Cons

  • Strictly invite-only with very high income and relationship eligibility criteria.
  • Reward points are capped for specific categories like insurance and grocery.
  • High annual fee of ₹12,500 + GST, though offset by welcome points.

Axis Bank ACE Credit Card

Pros

  • 5% cashback on utility bills and recharges via Google Pay (Android only)
  • 4% cashback on Swiggy, Zomato, and Ola with no individual merchant capping
  • Flat 1.5% uncapped cashback on all other eligible spends
  • Complimentary domestic lounge access (4 visits per year)

Cons

  • Combined monthly capping of ₹500 on 5% and 4% cashback categories
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months
  • 5% utility cashback is restricted to Google Pay on Android devices

Our Verdict

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

Choose HDFC Bank Infinia if

Seeking the highest reward rate in India with premium lifestyle and travel privileges.

Choose Axis Bank ACE Credit Card if

Highest cashback rate in the market for electricity, gas, and internet bills via GPay.

Frequently Asked Questions

Which is better: HDFC Bank Infinia or Axis Bank ACE Credit Card?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Axis Bank ACE 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 and Axis Bank ACE Credit Card?
HDFC Bank Infinia has an annual fee of ₹12,500, while Axis Bank ACE Credit Card has an annual fee of ₹499. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend. Axis Bank ACE Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: HDFC Bank Infinia or Axis Bank ACE Credit Card?
HDFC Bank Infinia offers a base reward rate of 1.0989% with accelerated rewards on SmartBuy Flights & Hotels and SmartBuy Shopping. Axis Bank ACE Credit Card offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Infinia and Axis Bank ACE Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Infinia and Axis Bank ACE Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Infinia or Axis Bank ACE Credit Card?
For beginners, Axis Bank ACE Credit Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

HDFC Bank Infinia vs ICICI Bank Emeralde Private Metal Credit CardAxis Bank ACE Credit Card vs ICICI Bank Emeralde Private Metal Credit CardHDFC Bank Infinia vs Axis Bank - Flipkart Axis Bank Credit CardAxis Bank ACE Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardHDFC Bank Infinia vs Amazon Pay ICICI Bank Credit CardAxis Bank ACE Credit Card vs Amazon Pay ICICI Bank Credit Card

Explore More

HDFC Bank Infinia Full ReviewAxis Bank ACE Credit Card Full ReviewAll HDFC Bank CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips