Reserve Credit Card
Rs 50,000Annual fee
Rs 35,00,000Fee waiver spend
UnlimitedDomestic lounge
1.5%Forex markup
Best for
Ultra Premium, Travel, Hotels, Golf, Lounge
Top rewards
Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends
Infinia Metal Edition Credit Card
Rs 12,500Annual fee
Rs 10,00,000Fee waiver spend
UnlimitedDomestic lounge
Domestic lounge conditions
- A verification transaction fee of ₹2 is charged at domestic lounge terminals inside India for Visa cardholders, which is later reversed.
- Unlimited complimentary airport lounge access worldwide via Priority Pass (for both primary and add-on cardholders)
- Priority Pass lounge visits outside India by guests or visits exceeding the complimentary limit are charged at USD 27 + GST per person per visit. Add-on cardholders must use their own Priority Pass card; otherwise they are billed as guests.
2%Forex markup
Best for
Premium Travel, Lounge, SmartBuy, Golf, Luxury Lifestyle
Top rewards
SmartBuy Hotels: Up to 10X Reward Points; SmartBuy Flights: Up to 5X Reward Points; SmartBuy Gyftr: Up to 5X Reward Points
| Feature | Reserve Credit Card | Infinia Metal Edition Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Rs 50,000 | Rs 12,500 |
| Annual fee | Rs 50,000 | Rs 12,500 |
| Fee waiver spend | Rs 35,00,000 | Rs 10,00,000 |
| Reward type | EDGE Reward Points | Reward Points |
| Best for | Ultra Premium, Travel, Hotels, Golf, Lounge | Premium Travel, Lounge, SmartBuy, Golf, Luxury Lifestyle |
| Top reward categories | Domestic Spends: 15 EDGE REWARD Points / ₹200 spent on domestic spends; International Spends: 30 EDGE REWARD Points / ₹200 spent on international spends | SmartBuy Hotels: Up to 10X Reward Points; SmartBuy Flights: Up to 5X Reward Points; SmartBuy Gyftr: Up to 5X Reward Points |
| SmartBuy / accelerated caps | Not Listed | SmartBuy Hotels: Daily 15,000 Reward Points, Monthly 15,000 Reward Points; SmartBuy Flights: Daily 15,000 Reward Points, Monthly 15,000 Reward Points; SmartBuy Gyftr: Daily 15,000 Reward Points, Monthly 3,000 Reward Points |
| Domestic lounge | Unlimited | Unlimited |
| International lounge | Unlimited | Unlimited |
| Forex markup | 1.5% | 2% |
| Milestone benefits | Not Listed | Not Listed |
| Redemption | Air miles: upto ₹ 0.4 per point; Statement credit: upto ₹ 0.2 per point | SmartBuy travel: upto ₹ 1 per point; Air miles: upto ₹ 1 per point; Statement credit: upto ₹ 0.3 per point |
| Key exclusions | Fuel transactions, Rent payments, E-wallet loading transactions, Insurance premium payments, Purchase of gold or jewellery, Educational institution payments via third-party apps | fuel, rent, wallet loads, government transactions, cash withdrawal, emi transactions |