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Side-by-Side Comparison|Updated March 2026

HDFC Bank Infinia vs Axis Bank My Zone 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 My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank InfiniaAxis Bank My Zone Credit Card
Annual Fee₹12,500₹500
Joining Fee₹12,500₹500
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 My Zone 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 My Zone Credit Card

Pros

  • Complimentary SonyLIV Premium annual subscription worth ₹999 on first spend.
  • Buy One Get One (BOGO) offer on movie tickets via District app, up to ₹200/month.
  • Flat ₹120 discount on Swiggy orders twice a month on minimum spend of ₹500.
  • Up to ₹1,000 off on Ajio for select styles on minimum spend of ₹2,999.

Cons

  • Low base reward rate of 0.4% (4 points per ₹200).
  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Many exclusions for reward points including fuel, utilities, and rent.

Our Verdict

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

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

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

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