1 EDGE Miles / ₹100
Strong data Pairwise comparison
Compare 3+ cards →
Axis Bank Primus vs HDFC Bank Infinia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank Primus and the HDFC Bank Infinia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Primus for travel and spending abroad.
Head-to-head
Three core metrics- Annual fee Infinia saves ₹2,87,500/yrPrimus ₹3,00,000 Annual-fee waiver not offeredInfinia ₹12,500 Waivable at ₹10,00,000 spend
- Forex markup Primus saves ~₹2,000 per ₹1L abroadPrimus 0%Infinia 2%
- Domestic lounge Primus UnlimitedInfinia Unlimited
Reward earning explained
Per card5 pts / ₹150 · Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs HDFC Bank Infinia: ₹12,500), forex markup (0% vs 2%), or lounge access (Unlimited vs Unlimited).
-
Travel Axis Bank Primus wins Axis Bank Primus is better for travel
Axis Bank Primus is stronger here. Forex markup is 0%.
-
Forex markup Axis Bank Primus wins Axis Bank Primus is better for forex
Axis Bank Primus is stronger here. Forex markup is 0%.
-
Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
-
Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank Primus is not safely INR-comparable (no usable point value). HDFC Bank Infinia conservative base value ~1% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Infinia: ~₹500/month at base rate
- Primus: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Primus 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 0% vs 2% | 0% | 2% |
| Fees | ||
| Recurring annual fee ₹3,00,000 vs ₹12,500 | ₹3,00,000 | ₹12,500 |
| Annual-fee waiver Not offered vs ₹10,00,000 | Not offered | ₹10,00,000 |
| Monthly interest rate Only available for Primus | 1% / 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–₹10,000 transactions vs 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹10,000 transactions | 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 1 EDGE Miles / ₹100 vs 5 pts / ₹150 | 1 EDGE Miles / ₹100 | 5 pts / ₹150 |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling Not stated vs 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend | Not stated | 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 Primus
Verify with issuer , opens external siteHDFC Bank Infinia
Verify with issuer , opens external site