COMPARE
Axis Bank Atlas Credit Card vs HDFC Bank Infinia Metal Credit Card
On net annual value, HDFC Bank Infinia Metal comes out ahead for everyday spenders, online shoppers and frequent travellers (by up to ₹14,347 a year), and Axis Bank Atlas for high spenders (by ₹5,938 a year). Neither takes open applications: Axis Bank Atlas isn't taking new applications and HDFC Bank Infinia Metal is issued by invitation only. Figures as of .
</> Embed this comparison on your site
Free, no key. The box shows the issuer's published facts — fees, reward rates, forex, income requirement, perks — and keeps itself current. Please keep the credit line under the frame: it's the only part search engines can see, and it's what we ask for in return. Pasting the page URL into WordPress, Ghost, Notion or Substack does this automatically.
Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here. Where the fee is charged, a card’s renewal points are counted too.
| Spender | Axis Bank Atlas Credit Card | HDFC Bank Infinia Metal Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹12,952/yr | ₹24,103/yr✓ +₹11,151/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹25,992/yr | ₹40,339/yr✓ +₹14,347/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹67,760/yr | ₹71,766/yr✓ +₹4,006/yr |
High spender ≈ ₹2.5L/mo across every category | ₹1,36,660/yr✓ +₹5,938/yr | ₹1,30,722/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | Axis Bank Atlas Credit CardAxis EDGE Miles | HDFC Bank Infinia Metal Credit CardHDFC Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.20 | ₹0.30 |
| Gift vouchers | — | ₹0.30 |
| Travel portal | ₹1.00 | ₹0.50 |
| Airline / hotel transfer | ₹2.001:2BEST | ₹1.001:1BEST |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| Axis Bank Atlas Credit Card | HDFC Bank Infinia Metal Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹5,000 | ₹12,500 |
| Annual fee | ₹5,000/yr ✓ | ₹12,500/yr |
| Annual fee — all-in (incl. 18% GST) | ₹5,900 ✓ | ₹14,750 |
| Fee waiver at | — | ₹10,00,000/yr spend |
| Welcome benefit | ~₹5,000 | ~₹12,500 |
| Rewards | ||
| Best everyday reward | 4% on everyday spends ✓ | 3.3% on Groceries |
| Groceries | 4% ✓ | 3.3% |
| Insurance | — | 3.3% |
| Online Shopping | 4% ✓ | 3.3% |
| Base rate — other spends | 4% ✓ | 3.3% |
| Travel | 4% ✓ | 3.3% |
| Utility Bills | — | 3.3% |
| Charges | ||
| Forex markup | 3.5% | 2% ✓ |
| Finance charge | 3.75% p.m. | 1.99% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| concierge | — | ~₹5,000/yr · 24x7 lifestyle and travel concierge service |
| golf | — | ~₹20,000/yr · Unlimited complimentary golf games and lessons, with a 100% green fee waiver at leading courses across India and select courses worldwide |
| hotel membership | — | ✓ · Complimentary Club Marriott membership for the first year, giving discounts on dining and stays across Marriott properties in Asia-Pacific |
| insurance | — | ~₹3,000/yr · Accidental air death cover of ₹3 crore, emergency overseas hospitalisation up to ₹50 lakh, and credit liability cover up to ₹9 lakh |
| lounge access | ~₹8,000/yr · Tier-based visits by annual spend (Silver 8 dom + 4 intl, Gold 12 + 6, Platinum 18 + 12). Two rare strengths: no quarterly-spend gate to unlock access, and guests enter against your remaining balance with no per-guest cap. Not a Priority Pass card. | ~₹24,000/yr · Unlimited domestic and international lounge access via complimentary Priority Pass membership, for the primary cardholder and add-on cardholders alike |
| milestone bonus | ~₹5,000/yr · 2,500 EDGE Miles when eligible annual spend reaches ₹3 lakh | — |
| Eligibility | ||
| Min income | ₹1,00,000/mo | — |
| Min age | 18+ yrs | — |
| UPI linked | — | — |
| Expert rating | 4.7 / 5 | 4.9 / 5 ✓ |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Bonus via the bank's own portal
- 5 EDGE Miles per ₹100 on Axis Travel EDGE and on direct airline/hotel bookings, capped at ₹2 lakh of such spend a calendar month; above the cap, and on online travel agencies, the rate falls to the base 2 per ₹100.
- 5X Reward Points on SmartBuy flights and buses (~16.5%), 10X on hotels (~33%); 1 point = ₹1. HDFC caps the accelerated points at 15,000 a month across all SmartBuy, vouchers included; base points keep earning. Brand vouchers have their own row.
- 5X Reward Points on GyFTR/Woohoo brand vouchers bought on SmartBuy (~16.5%). The accelerated points cap at 3,000 a month, inside the 15,000 SmartBuy cap; base points keep earning after that.
Which should you pick?
Choose the Axis Bank Atlas Credit Card if you want strong rewards on everyday spends at a lower annual fee. Consider the HDFC Bank Infinia Metal Credit Card if you spend more on groceries. Your actual best card depends on how you spend — run your numbers below.
Axis Bank Atlas Credit Card vs HDFC Bank Infinia Metal Credit Card — FAQs
Which has a lower annual fee, Axis Bank Atlas Credit Card or HDFC Bank Infinia Metal Credit Card?
As of 24 Oct 2026, Axis Bank Atlas has the lower annual fee: ₹5,000 (₹5,900 with 18% GST), against ₹12,500 (₹14,750 with 18% GST) on HDFC Bank Infinia Metal. HDFC Bank Infinia Metal waives its fee after ₹10,00,000 of spend in a card year; Axis Bank Atlas has no spend-based waiver.
Do Axis Bank Atlas Credit Card and HDFC Bank Infinia Metal Credit Card offer airport lounge access?
As of 24 Oct 2026, Axis Bank Atlas and HDFC Bank Infinia Metal both include airport lounge access, on different terms. Axis Bank Atlas lists domestic and international airport lounge access, with visits set by annual-spend tier. HDFC Bank Infinia Metal lists unlimited domestic and international airport lounge access. For spending abroad, HDFC Bank Infinia Metal adds 2% in forex markup against 3.5% on Axis Bank Atlas.
Which card has lower forex markup, Axis Bank Atlas Credit Card or HDFC Bank Infinia Metal Credit Card?
As of 24 Oct 2026, HDFC Bank Infinia Metal has the lower forex markup: 2%, against 3.5% on Axis Bank Atlas. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹2,360 extra on HDFC Bank Infinia Metal and ₹4,130 on Axis Bank Atlas, a ₹1,770 difference.
For a frequent traveller, is the Axis Bank Atlas Credit Card or HDFC Bank Infinia Metal Credit Card better value?
On figures as of 24 Oct 2026, HDFC Bank Infinia Metal comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹71,766 against ₹67,760 on Axis Bank Atlas, a ₹4,006 gap. That figure includes the forex markup on this traveller's spend abroad, where HDFC Bank Infinia Metal charges 2% against 3.5% on Axis Bank Atlas.
For everyday spending, which returns more: Axis Bank Atlas Credit Card or HDFC Bank Infinia Metal Credit Card?
On figures as of 24 Oct 2026, HDFC Bank Infinia Metal comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks, milestones and renewal points, less the annual fee and forex markup) of ₹24,103 against ₹12,952 on Axis Bank Atlas, a ₹11,151 gap. Best everyday rates: 4% on everyday spends for Axis Bank Atlas, 3.3% on everyday spends for HDFC Bank Infinia Metal.
Which is better, Axis Bank Atlas Credit Card or HDFC Bank Infinia Metal Credit Card?
As of 24 Oct 2026, Axis Bank Atlas earns 4% on everyday spends outside merchant or portal bonuses, paid as Axis EDGE Miles, and HDFC Bank Infinia Metal earns 3.3% on everyday spends outside merchant or portal bonuses, paid as HDFC Reward Points. Axis Bank Atlas comes out ahead on net annual value for high spenders, and HDFC Bank Infinia Metal for everyday spenders, online shoppers and frequent travellers. Axis Bank Atlas costs ₹5,000 a year against ₹12,500.