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

HDFC Infinia 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. HDFC Infinia Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Axis Bank Reserve Credit Card has higher base reward value (~1.5% vs ~0.83%).

Pairwise comparison Add another card →

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.

Travel Axis Bank Reserve Forex Axis Bank Reserve Low fee HDFC Bank Infinia

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 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

5 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start 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).

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).

Reserve: Limited data Infinia: Limited data
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%).

Reserve: Limited data Infinia: Limited data
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: Limited data
Annual fee HDFC Bank Infinia wins

HDFC Bank Infinia is better for fees

HDFC Bank Infinia is stronger here. HDFC Bank Infinia has a lower annual fee (₹12,500 vs ₹50,000).

Reserve: Limited data Infinia: Limited data
upi Tie

Both cards are similar for UPI usage

Mastercard network does not support UPI payments. Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Reserve: ~₹750/month at base rate
Infinia: ~₹420/month at base rate

Illustrative only, using current base rates before caps.

Field	Reserve Axis Bank	Infinia 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 Limited support — verify with issuer. 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 ₹0.25	₹0.2	₹0.25

Notes

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