1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs HDFC Bank Platinum Times Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the HDFC Bank Platinum Times. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee IndiGo saves ₹201/yrIndiGo ₹799 Annual-fee waiver not offeredPlatinum Times ₹1,000 Waivable at ₹2,50,000 spend
- Forex markup IndiGo 3.5%Platinum Times 3.5%
- Domestic lounge IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsPlatinum Times Lounge access not verified
Reward earning explained
Per card3 pts / ₹150 · Up to 10 pts / ₹150 on Dining
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank Platinum Times: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 1 per quarter. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). HDFC Bank Platinum Times conservative base value ~0.5% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Platinum Times: ~₹250/month at base rate
- IndiGo Axis Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | Platinum Times HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for IndiGo Axis Bank | 4/year (1 per quarter) | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹1,000 | ₹799 | ₹1,000 |
| Annual-fee waiver Not offered vs ₹2,50,000 | Not offered | ₹2,50,000 |
| Monthly interest rate 3.75% / month vs 3.6% / month | 3.75% / month | 3.6% / month |
| Late-payment charge Only available for Platinum Times | 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–₹5,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap |
| Rewards | ||
| Base earn 1 pt / ₹100 vs 3 pts / ₹150 | 1 pt / ₹100 | 3 pts / ₹150 |
| Conservative base value Not safely INR-comparable vs ~0.5% | Not safely INR-comparable | ~0.5% |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs 2,000 points per day; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | 2,000 points per day; at 3 pts / ₹150, this lane reaches the cap at ₹1,00,000 of eligible spend |
| Point validity Only available for Platinum Times | Not specified | 2 years |
Notes
- IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndiGo
Verify with issuer , opens external siteHDFC Bank Platinum Times
Verify with issuer , opens external site