Which card has a lower forex fee: Axis Bank Burgundy Private Credit Card or HDFC Infinia Credit Card?

Axis Bank Burgundy Private Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: Axis Bank Burgundy Private Credit Card or HDFC Infinia Credit Card?

HDFC Infinia Credit Card has a lower annual fee (₹12,500 annual fee vs ₹50,000 annual fee).

Which card offers better lounge access?

Axis Bank Burgundy Private Credit Card: Unlimited domestic lounge + Unlimited international. HDFC Infinia Credit Card: Unlimited domestic lounge + Unlimited international.

Which card has a higher base reward rate?

Axis Bank Burgundy Private Credit Card has higher conservative base reward value (~1.5% vs ~1%).

Pairwise comparison Compare 3+ cards →

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

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

Burgundy Private

Infinia

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 ₹12,500 Waivable at ₹10,00,000 spend

Infinia saves ₹37,500/yr
Forex markup

Burgundy Private 0%

Infinia 2%

Burgundy Private saves ~₹2,000 per ₹1L abroad
Domestic lounge

Burgundy Private Unlimited

Infinia Unlimited

Reward earning explained

Per card

Burgundy Private

7.5 EDGE Reward Points / ₹100

Strong data

Infinia

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: ₹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's ~1%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

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

Illustrative only, using current base rates before caps.

Field	Burgundy Private Axis Bank	Infinia HDFC Bank
Insurance — Air accident cover Only available for Infinia	Not specified	₹3 crore
Insurance — Emergency medical cover Only available for Infinia	Not specified	₹50 lakh
Insurance — Lost card liability cover Only available for Infinia	Not specified	₹9 lakh
Insurance — Underwriter Only available for Infinia	Not specified	Insured by HDFC ERGO General Insurance Company Limited
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
Annual-fee waiver Not offered vs ₹10,00,000	Not offered	₹10,00,000
Monthly interest rate Only available for Burgundy Private	1.5% / month	Not specified
Late-payment charge Only available for Infinia	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	Not specified	₹1
Point validity Only available for Infinia	Not specified	3 years

Notes

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

Axis Bank Burgundy Private

Verify with issuer

HDFC Bank Infinia

Verify with issuer