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Axis Bank Reserve 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: 17 July 2026

Both HDFC Bank INFINIA Metal Credit Card and Axis Bank Reserve Credit Card suit premium-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 Reserve Credit Card costs ₹50,000 + GST and earns 1.5% on domestic spends (15 RPs/₹200) & 3% on international spends (30 RPs/₹200). 1 RP = ₹0.20. HDFC Bank INFINIA Metal Credit Card also brings unlimited complimentary airport lounge access in India for primary and add-on cardholders, while Axis Bank Reserve Credit Card counters with unlimited complimentary domestic airport lounge access for both primary and add-on cardholders. Weigh the fee against the reward rate above to see which fits your spending pattern better.

Axis Bank Reserve Credit Card
Axis Bank Reserve Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

Fees & Charges

Joining Fee₹50,000 + GST
Joining Fee₹12,500 + GST
Renewal Fee₹50,000 + GST
Renewal Fee₹12,500 + GST
Spend Based WaiverRenewal fee waived on minimum expenditure of ₹35 lacs in the preceding 12 months.
Spend Based WaiverRenewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees1.5% of the transaction amount.
Foreign Transaction Fees2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)3% per month (or 42.58% annually) on the pending amount if not paid.
Interest Rate (APR)1.99% per month (23.8% annualized) on the due amount.

Rewards & Benefits

Welcome Bonus15,000 Edge Reward Points, complimentary Club ITC Culinaire, Accorplus, Club Marriott, Eazydiner Prime, Swiggy One memberships.
Welcome BonusComplimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards Rate1.5% on domestic spends (15 RPs/₹200) & 3% on international spends (30 RPs/₹200). 1 RP = ₹0.20.
Rewards RateEarn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary domestic airport lounge access for both primary and add-on cardholders.
Domestic Lounge AccessUnlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge AccessUnlimited international airport lounge access with Priority Pass, including 12 guest visits annually.
International Lounge AccessUnlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel BenefitsGlobal travel/medical assistance, exclusive offers at Oberoi Hotels (15% off/3rd night free) & Postcard Hotels.
Travel BenefitsComplimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie BenefitsBOGO on BookMyShow (max ₹500 off on movie tickets, max ₹1,000 off on non-movie tickets), 5 times/month.
Movie Benefits
Dining BenefitsUp to 25% off via Eazydiner Prime & up to 20% off at 4,000+ partner restaurants via Dining Delights.
Dining BenefitsComplimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits50 complimentary rounds of golf every year at premium golf courses across the country.
Golf BenefitsUnlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver1% fuel surcharge waived (₹400-₹4,000 transactions), capped at ₹400 per month.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.

Security & Other

Insurance BenefitsComprehensive cover: Purchase Protection (₹2L), Loss/Delay Baggage (USD 500), Credit Shield (₹5L).
Insurance BenefitsAccidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance ChargesNil
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 Reserve Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

The Axis Bank Reserve Credit Card is Axis Bank’s most premium, invite-only offering, designed for high-net-worth individuals seeking extensive luxury benefits. It provides an effective reward rate of 1.5% on domestic and 3% on international spends, coupled with unlimited lounge access and 50 complimentary golf rounds annually. Cardholders also enjoy prestigious memberships like Club ITC Culinaire, Accorplus, and Club Marriott, along with comprehensive insurance and a low foreign currency markup. This card is ideal for frequent travelers and those desiring top-tier lifestyle privileges.

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.

Enjoy over 50 complimentary golf rounds each year at premium courses nationwide.

Provides unlimited complimentary domestic and international airport lounge access.

Extensive travel benefits with complimentary Accorplus, Club ITC Culinaire, and Club Marriott memberships.

Benefit from a competitive low foreign currency markup fee of just 1.5%.

Enjoy the convenience of zero cash advance charges on your Axis Bank Reserve Credit Card.

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.

The high joining and annual fees of ₹50,000 + GST make this card less accessible.

The card is 'Invite Only', limiting its availability to a select group of individuals.

Reward points are not earned on key categories like utilities, fuel, insurance, and government spends.

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.
Apply for Axis Bank Reserve Credit Card(opens in new tab)Apply for HDFC Bank INFINIA Metal Credit Card(opens in new tab)