Axis Bank Reserve Credit Card vs Infinia Metal Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹50,000
Max Reward10%
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
Axis Bank Reserve Credit Card leads overall with a CardCheck Score of 87/100 (+2 pts over Infinia Metal Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs InfiniaReward Power
35%Axis35/35
Infinia35/35
Tie (35/35)
Fee Value & ROI
25%Axis18/25
Infinia18/25
Tie (18/25)
Lounge & Travel
20%Axis20/20
Infinia20/20
Tie (20/20)
Forex & Access
20%Axis14/20
Infinia12/20
Axis Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 87Best
- 85
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 20/20
- Forex & Access (20%)
- 14/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Ultra HNI — unlimited lounge, concierge & highest miles earning
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹50,000
- ₹12,500Best
- Annual fee
- ₹50,000
- ₹12,500Best
- Fee waiver
- ₹35,00,000
- ₹10,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- —
- 23.88%
- APR (max)
- —
- 42%
- Cash advance fee
- —
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1.5%
- 3.33%Best
- Max rate
- 10%
- 10%
- Points / ₹100
- 7.5Best
- 3.33
- Point value
- ₹0.2
- ₹1
06—Travel & Lounge
- Domestic lounge / qtr
- Unlimited
- Unlimited
- Lounge spend criteria
- No spend condition
- No spend condition
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.5%Best
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- —
- 21
- Min CIBIL
- —
- 750
- Invite only
Rows won
03of 07
04of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 87Best | 85 |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 20/20 |
| Forex & Access (20%) | 14/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Ultra HNI — unlimited lounge, concierge & highest miles earning | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹50,000 | ₹12,500Best |
| Annual fee | ₹50,000 | ₹12,500Best |
| Fee waiver | ₹35,00,000 | ₹10,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | — | 23.88% |
| APR (max) | — | 42% |
| Cash advance fee | — | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1.5% | 3.33%Best |
| Max rate | 10% | 10% |
| Points / ₹100 | 7.5Best | 3.33 |
| Point value | ₹0.2 | ₹1 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | Unlimited | Unlimited |
| Lounge spend criteria | No spend condition | No spend condition |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.5%Best | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | — | 21 |
| Min CIBIL | — | 750 |
| Invite only | ||
| Rows won | 03of 07 | 04of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Reserve Credit Card | Infinia Metal Credit Card |
|---|---|---|
| CardCheck Score | 87/100Excellent | 85/100Excellent |
| Annual Fee | ₹50,000 | ₹12,500 |
| Fee Waiver Spend | ₹35L/yr | ₹10L/yr |
| Max Reward Potential | 10% | 10% |
| Domestic Lounge Access | Unlimited | Unlimited |
| International Lounge | Priority Pass (Select) | Priority Pass (Select) |
| Forex Markup Fee | 1.5% | 2% |
Choose Axis Bank Reserve Credit Card if:
Your spending centers around ultra hni — unlimited lounge, concierge & highest miles earning and you want direct partner rewards with Axis Bank.
Choose Infinia Metal Credit Card if:
Your spending aligns with travel and lifestyle benefits and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Axis Bank Reserve Credit Card vs Infinia Metal Credit Card
- Which is better: Axis Bank Reserve Credit Card or Infinia Metal Credit Card?
- Axis Bank Reserve Credit Card holds a higher overall rating with a CardCheck Score of 87/100 (Excellent) compared to 85/100 (Excellent) for Infinia Metal Credit Card (a lead of +2 points). Axis Bank Reserve Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Reserve Credit Card charges an annual fee of ₹50,000 with an annual spend threshold of ₹35 Lakh for renewal fee waiver. In comparison, Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh.
- How do the reward rates and cashback compare between Axis Bank Reserve Credit Card and Infinia Metal Credit Card?
- Axis Bank Reserve Credit Card offers a base reward rate of 1.5% and up to 10% on accelerated partner categories. Meanwhile, Infinia Metal Credit Card offers a base rate of 3.33% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Reserve Credit Card or Infinia Metal Credit Card?
- Axis Bank Reserve Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement. On the other hand, Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement.
- Which card is better for international foreign currency spends?
- Axis Bank Reserve Credit Card levies a foreign currency markup fee of 1.5%, while Infinia Metal Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).