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

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

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

HDFC Infinia Credit Card has a lower annual fee (₹10,000 vs ₹3,00,000).

Which card offers better lounge access?

Axis Bank Primus Credit Card: Unlimited domestic lounge. HDFC Infinia Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

HDFC Infinia Credit Card has higher base reward value (~5% vs ~1%).

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.

Travel → Axis Bank Primus Axis Bank Primus is stronger here. Forex markup is 0%.

Forex → Axis Bank Primus Axis Bank Primus is stronger here. Forex markup is 0%.

Rewards → HDFC Bank Infinia HDFC Bank Infinia is stronger here. Estimated base reward value is ~5% on base spend.

Low fee → HDFC Bank Infinia HDFC Bank Infinia is stronger here. HDFC Bank Infinia has a lower annual fee (₹10,000 vs ₹3,00,000).

Quick comparison

Feature	Primus	Infinia
Annual fee	₹3,00,000	₹10,000 Waivable at ₹8,00,000 spend
Forex fee	0%	2%
Domestic lounge	Unlimited	Unlimited

Fees: Infinia wins

Confidence: High

Forex: Primus wins

Confidence: High

Lounge: Tie

Confidence: High

Primus 1 pts / ₹100 on General spend Strong data

Infinia 5 pts / ₹100 on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (Axis Bank Primus: ₹3,00,000 vs HDFC Bank Infinia: ₹10,000), forex markup (0% vs 2%), or lounge access (Unlimited vs Unlimited).

Axis Bank Primus is better for travel Strong data vs Strong data Axis Bank Primus is stronger here. Forex markup is 0%.
Axis Bank Primus is better for forex Strong data vs Strong data Axis Bank Primus is stronger here. Forex markup is 0%.
Both cards are similar for lounge access Domestic lounge access is unlimited.
HDFC Bank Infinia is better for rewards Strong data vs Strong data HDFC Bank Infinia is stronger here. Estimated base reward value is ~5% on base spend.
HDFC Bank Infinia is better for fees Strong data vs Strong data HDFC Bank Infinia is stronger here. HDFC Bank Infinia has a lower annual fee (₹10,000 vs ₹3,00,000).
Both cards are similar for UPI usage Visa network does not support UPI payments.

Explore: Axis Bank Primus card page · HDFC Bank Infinia card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Infinia: ~₹2,500/month at base rate
Primus: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

	Primus Axis Bank	Infinia HDFC Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 2%	0%	2%
Fees
Annual fee ₹3,00,000 vs ₹10,000	₹3,00,000	₹10,000
Joining fee ₹5,00,000 vs ₹10,000	₹5,00,000	₹10,000
Fee waiver spend Only available for Infinia	Not specified	₹8,00,000
Rewards
Points per ₹100 1 pts vs 5 pts	1 pts	5 pts
Point cash value	₹1	₹1

Notes

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

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

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes