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AXIS Primus vs HDFC Infinia

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.

Primus
Infinia

The short answer

Pick Primus for spending abroad.

Infinia costs ₹2,87,500 less a year but waives only at ₹10,00,000 spend, Primus at Not offered.

Head-to-head

  • Annual fee Annual fee outcome: tie.
    Primus ₹3,00,000 Annual-fee waiver not offered
    Infinia ₹12,500 Waivable at ₹10,00,000 spend
    ₹2,87,500/yr apart · waiver gates differ
  • Forex markup Forex markup outcome: Primus wins.
    Primus 0%
    Infinia 2%
    Primus saves ~₹2,000 per ₹1L abroad
  • Domestic lounge Domestic lounge outcome: tie.
    Primus Unlimited
    Infinia Unlimited
  • Rewards Rewards outcome: insufficient data to compare.
    Primus Not safely INR-comparable
    Infinia ~1%
    conservative base value
    Primus: Strong data Infinia: Strong data

Reward earning explained

Primus

1 EDGE Miles / ₹100

Strong data
Infinia

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

Strong data

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.

All fields

Field Primus Axis Bank Infinia HDFC Bank
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
₹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
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

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 Primus

Verify with issuer , opens external site

HDFC Bank Infinia

Verify with issuer , opens external site
Data refreshed through 2 Oct 2026 moneymatters.cards Privacy Current Money Matters snapshot
Important

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

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