HDFC Infinia Credit Card vs Axis Bank Reserve Credit Card
- Vaani Shrivastava
- Apr 8, 2024
- 7 min read
Updated: Dec 15, 2025
HDFC Infinia Credit Card vs Axis Bank Reserve Credit Card
The HDFC Infinia credit card and the Axis Bank Reserve credit card are the top two players in the industry of high-end credit cards, where luxury is combined with convenience, with a host of value-added advantages, including customised services and glamorous rewards packages. But which of these really is supreme?
This blog post takes us on a trip to deconstruct and contrast the HDFC Infinia Credit Card and the Axis Bank Reserve Credit Card, placing their functions, benefits, and privileges against one another. Keep in mind that you are an experienced credit card enthusiast who wants to expand his or her financial instruments or a beginner who wants to see in high-end credit card is like, this comparison will become your guide when you are buying luxury items in the world of credit cards. Therefore, tighten your seat belt because we are about to unravel the complexities of these high-order financial instruments and find out who in this tussle of titans will be the victor in this battle.
Comparing the Titans of Luxury Credit Cards: HDFC Infinia vs Axis Bank Reserve
When it comes to the sphere of luxury credit cards, the names of HDFC Infinia Credit Card vs Axis Bank Reserve Credit Card are usually heard. Both cards are also targeted towards the high-end consumer who wants to have a combination of convenience, luxury and rewards. This close comparison will break down the features, advantages and exclusivities each of the cards has so that you can determine which card would benefit your high-end lifestyle the most.
HDFC Infinia Credit Card
The HDFC Infinia Credit Card has been touted as the best credit card in the HDFC Bank. It is a card that is not only metallically body-endowed, but is also a package that is filled with benefits that satisfy the sophisticated tastes of the cardholders.
Key Features:
Metallic Card: The design is made of a high-end metal body.
Joining fee: Rs.12,500
Renewal fee: Rs. 5000 (Complete 10 lakhs or above in the past 12 months and waive renewal membership fee of next year)
Rewards: Take 5 Reward Points each time you spend [?]150, and the points could be redeemed for a variety of choices.
Welcome Benefits: Free Club Marriott membership worth 1 year, wherein one can receive up to 20% discounts on Dining and Stay within the Asia-Pacific region. Receive the welcome gift of 12,500 reward points at the time of fee realisation and card activation p during one year in areas with possible twenty per cent discounts on Dining and Staying in Asia - the Pacific region. Welcome benefit in the form of 12500 reward points on the realisation of fees and card activation.
Travel Perks: One year free Club Marriott membership, worldwide airport lounge access, and special treatment at other ITC hotels.
Golf Privileges: Complimentary golf games and training in a few courses all over the world.
Concierge Services: 24x7 personal concierge around the world to help in travel, entertainment and business experience.
Markup on foreign currency: There is a low markup of 2 per cent on foreign currency transactions.
Zero Lost Card Liability: Insurance coverage in case of fraudulent transactions when the card is lost.
Axis Bank Reserve Credit Card
The Reserve Credit Card by Axis Bank is an established player in the super-premium credit card market, which aims to provide consumers with a luxurious experience with each usage.
Key Features:
Joining and Renewal Fees: There is a high joining fee of [?]50,000, similar to renewal and is refunded in case of spending a minimum of [?]25 Lakh the previous year.
Welcome Benefit: 50,000 bonus reward points on joining.
Travel Pluses: Free Priority Pass Membership that allows you to visit the airport any number of times, airport transfers are luxurious, and the equivalent foreign exchange mark-up fee is 1.5%.
Reward rate: This effective Reward rate is 1.5 per cent on domestic expenditures and 2x points on international purchases.
Dining Benefits: 25 per cent dining at the chosen restaurants.
Golf Access: Like HDFC, access to golf clubs and lessons.
Head-to-Head Comparison
Comparing the two, it becomes clear that the two cards are both developed keeping in mind travel and lifestyle benefits. The HDFC Infinia has a small advantage in terms of a higher reward point system and a wider scope of hotel and dining benefits. The Axis Bank Reserve card is, however, lower in its foreign currency markup fee and the welcome bonus, which may be quite attractive.
The decision on the two will be based on personal spending powers and lifestyle choices. Unless you can afford to spend a lot on travelling and want more benefits at hotels, HDFC Infinia could be the solution. Alternatively, in case you want a card that comes with a lower foreign transaction rate and a massive welcome bonus, the Axis Bank Reserve might suit you well.
HDFC Infinia and Axis Bank reserve credit cards are the two credit card companies that have their distinct credit cards in the luxury credit card market segment, and each has its own share of benefits. Your choice must be in line with your spending habits, the number of times you travel and the unique benefits that you appreciate most with a credit card.
Conclusion
In conclusion, the HDFC Infinia and Axis Bank Reserve credit cards stand out as prestigious options for the discerning cardholder. The HDFC Infinia card, with its lower joining fee and a host of luxury benefits such as concierge services, complimentary lounge access, and a high reward rate, appeals to those who desire a blend of value and exclusivity. On the other hand, the Axis Bank Reserve card, though it comes with a higher joining fee, offers substantial rewards on domestic and international spending, along with exclusive dining discounts and hotel loyalty program memberships. Ultimately, the choice between the two will depend on the individual's lifestyle, spending habits, and the specific perks they value most. Both cards offer a gateway to a world of luxury, convenience, and rewards, making them top contenders in the super-premium credit card market.
To learn more about our credit card offerings, please visit our website.
FAQs
HDFC Infinia Credit Card
Q: What is the HDFC Infinia Metal Edition?
The HDFC Infinia Metal Edition is an exclusive credit card available by invitation only. It features a sleek metallic design and offers premium benefits, including complimentary nights at participating ITC hotels, unlimited airport lounge access, and more.
Q: Should I upgrade my existing Infinia card to the Metal Edition?
If you’re eligible for the Infinia Metal Edition, upgrading can provide additional perks and a luxurious experience. Consider the benefits and decide based on your preferences.
Q: Is the Infinia Metal Edition available to all Infinia cardholders?
No, the Infinia Metal Edition is available only to select cardholders who receive an invitation from HDFC Bank.
Q: My Infinia card has a lifetime free (LTF) membership. Will I be charged for the Metal Edition?
The Infinia Metal Edition may have associated fees. Check the terms and conditions for details (Here).
Q: My annual renewal cycle for the Infinia card is approaching. What should I know?
Be aware of any changes in fees, benefits, or terms during your renewal. Review the updated terms and decide whether to continue with the card.
Q: My Infinia card is expiring soon. What should I do?
Contact HDFC Bank to get a replacement card before your current one expires.
Q: Can I upgrade my HDFC Regalia card to the Infinia Metal Edition?
The Infinia Metal Edition is typically available only to existing Infinia cardholders. Upgrading from Regalia to Infinia may not be possible directly.
Q: What is the interest-free period on the Infinia card?
You enjoy an interest-free period of up to 50 days from the date of purchase.
Q: What is the cash withdrawal limit on the Infinia Credit Card?
You can withdraw up to 40% of the credit limit with your Infinia Credit Card.
Q: How do I access my Priority Pass Membership?
As an Infinia cardholder, you have unlimited access to airport lounges globally. Simply present your Priority Pass membership card at participating lounges.
Axis Bank Reserve Credit Card
Q: What is the Axis Bank Reserve Credit Card?
The Axis Bank Reserve Credit Card is a super-premium credit card designed for discerning customers who seek luxury and exclusivity. It offers a suite of best-in-class privileges and indulgences, making every journey special. From concierge services to golf rounds, this card caters to your refined tastes.
Q: Who is eligible for the Axis Bank Reserve Credit Card?
The Reserve Credit Card is available to select customers. While Burgundy clients of Axis Bank receive a complimentary Axis Bank Burgundy Private Credit Card, the Reserve Credit Card requires payment of a joining and yearly fee of Rs. 50,000.
Q: What are the key features of the Axis Bank Reserve Credit Card?
The card offers:
Unlimited complimentary golf rounds at premier golf courses.
Luxury airport transfers for a seamless travel experience.
Unlimited lounge access at domestic and international airports.
Complimentary hotel memberships for added convenience.
An exceptional reward rate across various spending categories.
Q: How do I activate my new Axis Bank Reserve Credit Card?
It’s essential to activate your new credit card within the first 30 days to avoid card closure as per RBI guidelines.
Q: Can I upgrade from another Axis Bank credit card to a Reserve Credit Card?
Upgrading directly from another Axis Bank credit card to the Reserve Credit Card may not be possible. However, you can explore eligibility and options with Axis Bank.
Q: What are the concierge services offered with the Reserve Credit Card?
The concierge desk can assist you with various services, including travel bookings, restaurant reservations, event tickets, and more. Reach out to them at 1800 103 4962.
Q: Is there a Card Member Agreement for the Reserve Credit Card?
Yes, you can find the Card Member Agreement on the Axis Bank website.
Q: What should I know about the Reserve Credit Card renewal?
Be aware of any changes in fees, benefits, or terms during your renewal. Review the updated terms and decide whether to continue with the card.
Q: How can I get more information about the Reserve Credit Card?
For any card-related queries, complaints, or feedback, call Axis Bank at 1800 419 0065 or visit our website (Here).
Q: Where can I find the most important terms and conditions for the Reserve Credit Card?
You can refer to the terms and conditions on the Axis Bank website.
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