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Axis Bank Burgundy Private vs HDFC Bank Infinia Metal Edition Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Burgundy Private and the HDFC Bank Infinia Metal Edition. Verify fees, lounge access, forex markup, and base rewards before you apply.

Burgundy Private
Infinia Metal Edition

The short answer

Verdict

Pick Burgundy Private for travel, spending abroad and rewards.

Head-to-head

Three core metrics
  • Annual fee
    Burgundy Private ₹50,000 Annual-fee waiver not offered
    Infinia Metal Edition ₹12,500 Waivable at ₹10,00,000 or more spend
    Infinia Metal Edition saves ₹37,500/yr
  • Forex markup
    Burgundy Private 0%
    Infinia Metal Edition 2%
    Burgundy Private saves ~₹2,000 per ₹1L abroad
  • Domestic lounge
    Burgundy Private Unlimited
    Infinia Metal Edition Unlimited

Reward earning explained

Per card
Burgundy Private

7.5 EDGE Reward Points / ₹100

Strong data
Infinia Metal Edition

5 pts / ₹150 · Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Burgundy Private: ₹50,000 vs HDFC Bank Infinia Metal Edition: ₹12,500), forex markup (0% vs 2%), or lounge access (Unlimited vs Unlimited).

  • Travel Axis Bank Burgundy Private wins

    Axis Bank Burgundy Private is better for travel

    Axis Bank Burgundy Private is stronger here. Forex markup is 0%.

  • Forex markup Axis Bank Burgundy Private wins

    Axis Bank Burgundy Private is better for forex

    Axis Bank Burgundy Private is stronger here. Forex markup is 0%.

  • Lounge access Tie

    Both cards are similar for lounge access

    Domestic lounge access is unlimited.

  • Rewards Axis Bank Burgundy Private wins

    Axis Bank Burgundy Private is better for rewards

    Axis Bank Burgundy Private is stronger here. Axis Bank Burgundy Private conservative base value ~1.5% vs HDFC Bank Infinia Metal Edition's ~1%.

View Axis Bank Burgundy Private → View HDFC Bank Infinia Metal Edition → See more rankings →

All fields

Example usage at this monthly spend

At ₹50k/month spend:

  • Burgundy Private: ~₹750/month at base rate
  • Infinia Metal Edition: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field Burgundy Private Axis Bank Infinia Metal Edition HDFC Bank
Insurance — Air accident cover
Only available for Infinia Metal Edition
 Not specified ₹3 crore
Insurance — Emergency medical cover
Only available for Infinia Metal Edition
 Not specified ₹50 lakh
Lounge Access
Domestic lounge visits Unlimited Unlimited
International lounge visits Unlimited Unlimited
Forex / International Use
Forex markup
Source agreement differs — verify both.
0% vs 2%
 0% 2%
Fees
Recurring annual fee
₹50,000 vs ₹12,500
 ₹50,000 ₹12,500
First-year cost
Only available for Infinia Metal Edition
 Not specified ₹12,500
Annual-fee waiver
Not offered vs ₹10,00,000 or more
 Not offered ₹10,00,000 or more
Monthly interest rate
1.5% / month vs 1.99% / month
 1.5% / month 1.99% / month
Late-payment charge
Only available for Infinia Metal Edition
 Not specified ₹100–₹1,300 depending on outstanding balance
Fuel benefit
1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded
 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded
Rewards
Base earn
7.5 EDGE Reward Points / ₹100 vs 5 pts / ₹150
 7.5 EDGE Reward Points / ₹100 5 pts / ₹150
Conservative base value
~1.5% vs ~1%
 ~1.5% ~1%
Earn ceiling
6,000 EDGE Reward Points per month; at 7.5 EDGE Reward Points / ₹100, this lane reaches the cap at ₹80,000 of eligible spend vs 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
 6,000 EDGE Reward Points per month; at 7.5 EDGE Reward Points / ₹100, this lane reaches the cap at ₹80,000 of eligible spend 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend
Point value (headline channel)
Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option.
Only available for Infinia Metal Edition
 Not specified ₹1
Point validity
Only available for Infinia Metal Edition
 Not specified 3 years

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Related comparisons

Next useful checks

Axis Bank Burgundy Private

Verify with issuer , opens external site

HDFC Bank Infinia Metal Edition

Verify with issuer , opens external site
Data refreshed through 4 Sept 2026 moneymatters.cards Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.