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Flipkart Axis Bank 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.

Features

Flipkart Axis Bank Credit Card
Flipkart Axis Bank Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹12,500 + GST
Renewal Fee
₹500 + GST
₹12,500 + GST
Spend Based Waiver
Annual fee waived on annual spends exceeding Rs. 3,50,000.
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees
3.5% of transaction value; 1.5% for DCC.
2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
3.75% per month (55.55% per annum).
1.99% per month (23.8% annualized) on the due amount.

Rewards & Benefits

Welcome Bonus
Rs. 350 worth of activation benefits including a Rs. 250 Flipkart voucher & Rs. 100 Swiggy discount.
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards Rate
Earn 7.5% cashback on Myntra, 5% on Flipkart & Cleartrip, 4% on Swiggy/Uber/PVR/cult.fit, and 1% on others.
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
No charges for cashback redemption.
Nil

Travel & Lifestyle

Domestic Lounge Access
Not offered as of 20th June 2025.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Not offered as of 20th June 2025.
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel Benefits
4% cashback on Uber, up to 15% off on MakeMyTrip flights/hotels & 5% cashback on Cleartrip.
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie Benefits
Unlimited 4% cashback on PVR movie ticket bookings.
Dining Benefits
15% off up to Rs. 500 at 10,000+ partner restaurants & 4% cashback on Swiggy food orders.
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Not Applicable
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver
1% waiver on fuel spends (Rs. 400-Rs. 4000), max Rs. 400/month.
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.

Security & Other

Insurance Benefits
None explicitly offered.
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
2.5% of amount (minimum Rs. 500).
NIL, 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.

Flipkart Axis Bank Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

The Flipkart Axis Bank Credit Card is an excellent choice for online shoppers, providing significant cashback on Flipkart, Myntra, and Cleartrip. It also offers accelerated rewards on popular platforms like Swiggy, Uber, PVR, and cult.fit, making it versatile for various digital spends. Cardholders also enjoy dining benefits. The cashback is directly credited to the statement, ensuring straightforward value.

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.

Offers high cashback rates on major e-commerce platforms like Flipkart and Myntra.

Cashback is directly credited to your statement, simplifying the redemption process.

Enjoy unlimited cashback on preferred partners and most other eligible card spends.

Access exclusive dining benefits and discounts with the Axis Bank Dining Delights program.

Provides a beneficial 1% fuel surcharge waiver at all stations across India.

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.

Offers relatively low 1% cashback on most offline shopping and general spends.

The card currently does not provide any complimentary insurance benefits to cardholders.

High annual spend of Rs. 3,50,000 required to waive off the annual renewal fee.

Welcome benefits for new cardholders have seen a reduction from previous offers.

Reports suggest some users face challenges with voucher redemption and card cancellations.

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.

Ready to Choose?

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