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Axis Bank Reserve vs HDFC Bank Infinia Metal Edition Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Reserve and the HDFC Bank Infinia Metal Edition. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel → Axis Bank Reserve Axis Bank Reserve is stronger here. Axis Bank Reserve is cheaper for international spend (1.5% vs 2% forex).
Forex → Axis Bank Reserve Axis Bank Reserve is stronger here. Axis Bank Reserve has a lower forex markup (1.5% vs 2%).
Rewards → HDFC Bank Infinia Metal Edition HDFC Bank Infinia Metal Edition is stronger here. Estimated base reward value is ~3.3% on base spend.
Low fee → HDFC Bank Infinia Metal Edition HDFC Bank Infinia Metal Edition is stronger here. HDFC Bank Infinia Metal Edition has a lower annual fee (₹12,500 vs ₹50,000).

Quick comparison

Feature Reserve Infinia Metal Edition
Annual fee ₹50,000 Waivable at ₹35,00,000 spend ₹12,500 Waivable at ₹10,00,000 spend
Forex fee 1.5% 2%
Domestic lounge Unlimited Unlimited

Fees: Infinia Metal Edition wins

Confidence: Medium (verify with issuer)

Forex: Reserve wins

Confidence: Medium (verify with issuer)

Lounge: Tie

Confidence: Medium (verify with issuer)

Confidence varies by card — verify issuer terms

Reserve 7.5 pts / ₹100 on General spend Strong data
Infinia Metal Edition 5 pts / ₹150 on General spend Strong data

Pick based on what matters

Start with the constraint you care about most: annual fee (Axis Bank Reserve: ₹50,000 vs HDFC Bank Infinia Metal Edition: ₹12,500), forex markup (1.5% vs 2%), or lounge access (Unlimited vs Unlimited).

Explore: Axis Bank Reserve card page · HDFC Bank Infinia Metal Edition card page · best credit cards in India

If this pair is close, these are the next useful side-by-side checks.

Confidence: Medium (verify with issuer)

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Confidence: High

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Example usage at this monthly spend

At ₹50k/month spend:

Illustrative only, using current base rates before caps.

Reserve Axis Bank Infinia Metal Edition HDFC Bank
Lounge Access
Domestic lounge visits Unlimited Unlimited
International lounge visits
Only available for Reserve
 12/year Not specified
Forex / International Use
Forex markup
Source agreement differs — verify both.
1.5% vs 2%
 1.5% 2%
Fees
Annual fee
₹50,000 vs ₹12,500
 ₹50,000 ₹12,500
Joining fee
₹50,000 vs ₹12,500
 ₹50,000 ₹12,500
Fee waiver spend
₹35,00,000 vs ₹10,00,000
 ₹35,00,000 ₹10,00,000
Rewards
Reward points (base spend)
7.5 pts/₹100 vs 5 pts/₹150
 7.5 pts/₹100 5 pts/₹150
Point cash value
₹0.2 vs ₹1
 ₹0.2 ₹1

Notes