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Side-by-Side Comparison|Updated March 2026

HDFC Bank Infinia vs Axis Bank Aura 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
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Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank InfiniaAxis Bank Aura Credit Card
Annual Fee₹12,500₹749
Joining Fee₹12,500₹749
Fee Waiver Spend₹10,00,000N/A
Base Reward Rate1.0989%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating9.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Infinia

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

Axis Bank Aura Credit Card

  • 0% on Insurance

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 Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Our Verdict

HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura 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 Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Frequently Asked Questions

Which is better: HDFC Bank Infinia or Axis Bank Aura Credit Card?
HDFC Bank Infinia edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura 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 Aura Credit Card?
HDFC Bank Infinia has an annual fee of ₹12,500, while Axis Bank Aura Credit Card has an annual fee of ₹749. HDFC Bank Infinia offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: HDFC Bank Infinia or Axis Bank Aura 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 Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Infinia and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Infinia and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Infinia or Axis Bank Aura Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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