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

Axis Bank Reserve Credit Card has lower forex markup (1.5% vs 2%).

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

HDFC Infinia Metal Edition Credit Card has a lower annual fee (₹12,500 vs ₹50,000).

Which card offers better lounge access?

Axis Bank Reserve Credit Card: Unlimited domestic lounge access. HDFC Infinia Metal Edition Credit Card: Unlimited domestic lounge access.

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 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 Forex Axis Bank Reserve

Quick comparison

Three core metrics

Reserve Axis Bank

Annual fee ₹50,000 Waivable at ₹35,00,000 spend
Forex markup 1.5%
Domestic lounge Unlimited

Infinia Metal Edition HDFC Bank

Annual fee ₹12,500 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Reserve

7.5 pts / ₹100 on General spend

Limited data

Infinia Metal Edition

25 pts / ₹150 on Amazon (domestic) (5X Reward Points on Amazon Shopping Voucher…

Limited data

Pick based on what matters

4 dimensions

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).

Travel Axis Bank Reserve wins

Axis Bank Reserve is better for travel

Axis Bank Reserve is stronger here. Axis Bank Reserve is cheaper for international spend (1.5% vs 2% forex).
Forex markup Axis Bank Reserve wins

Axis Bank Reserve is better for forex

Axis Bank Reserve is stronger here. Axis Bank Reserve has a lower forex markup (1.5% vs 2%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Reserve has comparable evidence here. Estimated base reward value is ~1.5% on base spend.

Reserve: Limited data Infinia Metal Edition: Limited data

Confidence: Low (limited information available)

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:

Reserve: ~₹750/month at base rate
Infinia Metal Edition: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Reserve Axis Bank	Infinia Metal Edition HDFC Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
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 value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Reserve	₹0.2	Not specified
Point validity Only available for Infinia Metal Edition	Not specified	3 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.