Which card has a lower forex fee: IndiGo Axis Bank Credit Card or HDFC Bank Platinum Times Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: IndiGo Axis Bank Credit Card or HDFC Bank Platinum Times Credit Card?

IndiGo Axis Bank Credit Card has a lower annual fee (₹799 vs ₹1,000).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. HDFC Bank Platinum Times Credit Card: Domestic lounge details not available.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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.

Quick comparison

Three core metrics

IndiGo Axis Bank

Annual fee ₹799
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Platinum Times HDFC Bank

Annual fee ₹1,000 Waivable at ₹2,50,000 spend
Forex markup 3.5%
Domestic lounge Not specified

Reward earning explained

Per card

IndiGo

3 pts / ₹100 on Indigo + 2 pts / ₹100 on Grocery Dining

Platinum Times

10 pts / ₹150 on Dining (Weekday dining spends earn 10 Reward Points per ₹150.)…

Pick based on what matters

2 dimensions

Start 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 (1/quarter vs Not specified).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only Axis Bank IndiGo has comparable evidence here. Domestic lounge access is 1 per quarter.

IndiGo: Limited data

Verify with issuer

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IndiGo Axis Bank: Base earn not clearly specified
Platinum Times: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndiGo Axis Bank	Platinum Times HDFC Bank
Lounge Access
Domestic lounge visits Only available for IndiGo Axis Bank	1/quarter	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹799 vs ₹1,000	₹799	₹1,000
Joining fee ₹799 vs ₹1,000	₹799	₹1,000
Fee waiver spend Only available for Platinum Times	Not specified	₹2,50,000
Rewards
Reward points (base spend) 1 pts/₹100 vs 3 pts/₹150	1 pts/₹100	3 pts/₹150
Point validity Only available for Platinum Times	Not specified	2 years

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.