7.5 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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Axis Bank Reserve vs HDFC Bank Infinia Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank Reserve and the HDFC Bank Infinia. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Reserve for travel, spending abroad and rewards.
Head-to-head
Three core metrics- Annual fee Infinia saves ₹37,500/yrReserve ₹50,000 Waivable at ₹35,00,000 spendInfinia ₹12,500 Waivable at ₹10,00,000 spend
- Forex markup Reserve saves ~₹500 per ₹1L abroadReserve 1.5%Infinia 2%
- Domestic lounge Reserve 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 Reserve: ₹50,000 vs HDFC Bank Infinia: ₹12,500), forex markup (1.5% vs 2%), or lounge access (Unlimited vs Unlimited).
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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).
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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%).
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
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Rewards Axis Bank Reserve wins Axis Bank Reserve is better for rewards
Axis Bank Reserve is stronger here. Axis Bank Reserve conservative base value ~1.5% vs HDFC Bank Infinia's ~1%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Reserve: ~₹750/month at base rate
- Infinia: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | Reserve 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 Source agreement differs — verify both. 1.5% vs 2% | 1.5% | 2% |
| Fees | ||
| Recurring annual fee ₹50,000 vs ₹12,500 | ₹50,000 | ₹12,500 |
| Annual-fee waiver ₹35,00,000 vs ₹10,00,000 | ₹35,00,000 | ₹10,00,000 |
| Late-payment charge Only available for Infinia | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 7.5 EDGE Reward Points / ₹100 vs 5 pts / ₹150 | 7.5 EDGE Reward Points / ₹100 | 5 pts / ₹150 |
| Conservative base value ~1.5% vs ~1% | ~1.5% | ~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 redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1 | ₹0.2 | ₹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 Reserve
Verify with issuer , opens external siteHDFC Bank Infinia
Verify with issuer , opens external site