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Axis Bank Olympus Credit Card VS HDFC Bank INFINIA Metal Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 30 June 2026

Both HDFC Bank INFINIA Metal Credit Card and Axis Bank Olympus Credit Card suit travel-focused spenders, but they earn and cost differently. HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. Axis Bank Olympus Credit Card costs ₹20,000 + GST and earns 1 EDGE Mile/₹100 domestic (4% effective) & 2 EDGE Miles/₹100 international (5.8% effective). HDFC Bank INFINIA Metal Credit Card also brings unlimited complimentary airport lounge access in India for primary and add-on cardholders, while Axis Bank Olympus Credit Card counters with unlimited domestic lounge access for primary & add-on cardholders + 10 guest visits annually. If premium spending matters more, go with HDFC Bank INFINIA Metal Credit Card; if international spends is the priority, Axis Bank Olympus Credit Card fits better.

Axis Bank Olympus Credit Card
Axis Bank Olympus Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

Fees & Charges

Joining Fee₹20,000 + GST
Joining Fee₹12,500 + GST
Renewal Fee₹20,000 + GST
Renewal Fee₹12,500 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees1.8% + GST (effective 2.12%) on international spends.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)3.6% Monthly (52.86% Annually).
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.

Rewards & Benefits

Welcome BonusTaj/ITC Hotel vouchers worth ₹10,000 & 2,500 EDGE Miles on first transaction.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards RateEarn 1 EDGE Mile/₹100 domestic (4% effective) & 2 EDGE Miles/₹100 international (5.8% effective).
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUnlimited domestic lounge access for primary & add-on cardholders + 10 guest visits annually.
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge AccessUnlimited international lounge access via Priority Pass for primary & add-on cardholders + 10 guest visits.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel BenefitsUnlimited lounge access, 8 concierge services, 2 airport transfers, 3rd night free on Hotels.com.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie BenefitsBOGO on movie tickets (up to ₹650) & non-movie tickets (up to ₹1,000) via BookMyShow.
Movie Benefits
Dining Benefits30% discount up to ₹1,000 on dining via Axis Dining Delights. Also Taj Epicure membership.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits8 complimentary golf rounds/lessons annually; earn 1 extra round per ₹50,000 spend.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges2.5% (Minimum ₹500).
Cash Advance ChargesNIL, but interest charges are applicable from the date of cash advance.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Olympus Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

The Axis Bank Olympus Credit Card is a super-premium offering designed for high-spenders seeking extensive travel, dining, and lifestyle benefits. It provides an exceptional reward rate of up to 5.8% on international spends, coupled with unlimited domestic and international lounge access for both primary and add-on cardholders. Cardholders also enjoy complimentary Taj Epicure membership, golf privileges, and valuable BookMyShow offers. This card is ideal for affluent individuals who frequently travel, dine out, and appreciate exclusive luxury perks.

Who is it for?

The HDFC Bank INFINIA Metal Credit Card is a super-premium, invite-only offering designed for high-net-worth individuals. It provides luxurious benefits like unlimited global lounge access, complimentary golf, a 24x7 concierge, and high reward earnings. With its low foreign currency markup and comprehensive insurance, it caters to an uncompromising lifestyle.

Pros

Key benefits and features.

Exceptional reward rate of 4% on domestic and 5.8% on international spends.

Unlimited domestic and international lounge access for primary and add-on cardholders.

Complimentary Taj Epicure membership offers significant dining and stay discounts.

Flexible redemption via Travel EDGE (1 EDGE Mile = 4 Partner Points) or transfer to partners.

Enjoy 8 complimentary golf rounds/lessons annually, with additional rounds on spend.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Cons

Key drawbacks and limitations.

High joining and annual fees of ₹20,000 + GST make it a significant investment.

Lacks milestone benefits, which are often expected from super-premium credit cards.

No spend-based waiver for the annual fee, requiring full payment each year.

Exclusion of reward points on key categories like utilities, rent, and fuel.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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