Axis Bank ATLAS Credit Card vs HDFC Infinia Credit Card Metal Edition
Which card gives you higher value? Compare annual fees, reward rates, lounge access, and milestone perks side-by-side.
Axis Bank
★ 4.8 / 5.0
Axis Bank ATLAS Credit Card
Frequent Travelers & Airline/Hotel Miles Transfers
HDFC Bank
★ 4.9 / 5.0
HDFC Infinia Credit Card Metal Edition
High-Net-Worth Individuals & Frequent Luxury Travelers
Side-by-Side Feature Breakdown
Open Interactive Matrix →User Rating
★ 4.8 / 5.0
★ 4.9 / 5.0
Annual Fee
₹5,000 + Taxes
₹12,500 + Taxes
Fee Waiver Condition
Annual renewal fee offset by 2,500 to 10,000 EDGE Miles based on tier
Annual fee waived on ₹10 Lakh annual retail spends
Reward Rate
5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends
5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings
Finance APR
3.6% per month (43.2% per annum)
1.99% per month (23.88% per annum)
Welcome Offer
5,000 EDGE Miles upon completing 1st transaction within 30 days
12,500 Reward Points upon fee payment and card activation
Top Perks
- • 5 EDGE Miles per ₹100 spent on travel bookings (Airlines, Hotels, Travel portals)
- • 2 EDGE Miles per ₹100 spent on all other retail transactions
- • 1:2 transfer ratio for miles (1 EDGE Mile = 2 Partner Miles / Points)
- • 8 complimentary domestic lounge visits/year + 4 international lounge visits/year (Silver tier)
- • 5 reward points per ₹150 spent on all retail transactions
- • Up to 10X reward points on travel and shopping bookings via HDFC SmartBuy
- • Unlimited complimentary domestic and international airport lounge access via Priority Pass for primary & add-on members
- • Complimentary 1-year Club Marriott membership giving up to 20% off on dining & stays across Asia-Pacific
Best Suited For
Frequent Travelers & Airline/Hotel Miles Transfers
High-Net-Worth Individuals & Frequent Luxury Travelers