Axis Bank 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 200 spent on international spends
HDFC Bank 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 Rs 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 | Axis Bank Reserve Credit Card | HDFC Bank 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 / Rs 200 spent on domestic spends; International spends: 30 EDGE REWARD Points / Rs 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 15,000 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 Rs 0.4 per point; Statement credit: upto Rs 0.2 per point | SmartBuy travel: upto Rs 1 per point; Air miles: upto Rs 1 per point; Statement credit: upto Rs 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 |