vs
In short: Axis Atlas has the lower annual fee (₹5,000 vs ₹12,500); Axis Atlas includes 12 airport lounge visits (Gold tier), HDFC Infinia Metal Edition unlimited domestic & international lounge access; HDFC Infinia Metal Edition has the lower forex markup (2% vs 3.5%).
| Key facts | Axis Atlas | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹5,000 | ₹12,500 |
| Joining fee | ₹5,000 | ₹12,500 |
| Annual fee waived | Not listed | On ₹10 lakh annual spend |
| Top reward rate | 5 EDGE Miles per ₹100 Spent on Travel | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rewards | 2 EDGE Miles per ₹100 spent | 5 Reward Points For Every ₹150 Spent |
| Lounge access | 12 airport lounge visits (Gold tier) | Unlimited domestic & international lounge access |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Infinia Metal Edition returns about ₹11,900 more a year after annual fees (₹26,000 vs ₹6,600 in rewards).
| Spend profile | Axis Atlas | HDFC Infinia Metal Edition |
|---|---|---|
| Reward value: top rate / base rate | 5% / 2% | 33.33% / 3.33% |
| ₹20,000 a month, all general spends | ₹4,800 | ₹8,000 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹6,600 | ₹26,000 |
| Annual fee | ₹5,000 | ₹12,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Axis Bank Atlas Visa Credit Card and the HDFC Bank Infinia Metal Edition Visa Credit Card cater to premium customers with distinct reward structures and travel benefits. Axis Bank Atlas offers a steady accumulation of EDGE Miles with milestone bonuses, while HDFC Infinia focuses on high-value reward points with multiple accelerated categories. Both cards provide fuel surcharge waivers and lounge access, but differ significantly in fees and forex charges.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Atlas Visa Credit Card | Infinia Metal Edition Hdfc Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.5000 | Joining Fee of Rs.12500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.5000 | Renewal Fee of Rs. 12500 |
| Annual fee waiver | — | Spend Rs.10 Lakh For Renewal Fee Waiver |
| Top reward rate | Earn 5 EDGE Miles per Rs.100 Spent on Travel | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rate (other spends) | Earn 2 EDGE Miles per Rs.100 spent | Earn 5 Reward Points For Every Rs.150 Spent |
| Lounge — domestic | Gold Tier - 12 Domestic Lounge Access | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | Gold Tier - 6 International Lounge Access | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Enjoy 2500 EDGE Miles as Welcome Benefit | Earn 12500 Reward Points As Welcome Benefit |
| Milestone benefit | Annual Benefits 2500 EDGE Miles - Gold Tier; Annual Benefits 5000 EDGE Miles - Platinum Tier | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the HDFC Infinia Metal Edition clearly leads with its top reward rate of 10X points on select brands like SmartBuy, IGP.com, and Jockey, and a base rate of 5 points per Rs.150 spent. This translates to about Rs.26,000 in annual rewards at Rs.20,000 monthly spend, significantly higher than the Axis Bank Atlas’s Rs.6,600. Axis Bank Atlas offers 5 EDGE Miles per Rs.100 on travel and 2 EDGE Miles generally, with milestone bonuses that add value but do not match Infinia’s overall earning potential. If maximizing rewards is a priority, Infinia is the stronger choice.
Travel benefits favor the HDFC Infinia card, which offers unlimited complimentary domestic and international lounge access, along with a global personal concierge and a Club Marriott membership. Axis Bank Atlas provides a Gold Tier membership with 12 domestic and 6 international lounge visits annually, which is more limited. Additionally, Infinia’s lower forex markup of 2% versus 3.5% on Axis Bank Atlas makes it more cost-effective for foreign currency transactions. For frequent travelers seeking premium perks and lounge access, Infinia is better suited.
Axis Bank Atlas has a joining and renewal fee of Rs.5,000, whereas HDFC Infinia charges Rs.12,500 for both, with a renewal fee waiver if you spend Rs.10 lakh annually. Axis Bank Atlas does not list a fee waiver in our data. While Infinia’s fee is higher, the waiver condition can make it cost-effective for high spenders. Additionally, Axis Bank Atlas has a higher forex markup of 3.5%, potentially increasing costs on international spends. For those prioritizing lower fees and simpler costs, Axis Bank Atlas is more accessible.
Axis Bank Atlas uses EDGE Miles with milestone bonuses rewarding higher spends, while HDFC Infinia offers a points system with multiple accelerated categories including 5X and 10X points on brands like Apple, Flights, Hotels, and more. This makes Infinia more versatile for diverse spending patterns.
Axis Bank Atlas provides limited lounge access with a Gold Tier membership allowing 12 domestic and 6 international visits yearly. In contrast, HDFC Infinia offers unlimited complimentary lounge visits both in India and abroad, plus concierge services and a Club Marriott membership, enhancing the travel experience.
HDFC Infinia charges a lower forex markup of 2% compared to Axis Bank Atlas’s 3.5%, making it more cost-effective for international transactions. However, Infinia’s higher joining and renewal fees are offset by a renewal fee waiver on spending Rs.10 lakh annually, which Axis Bank Atlas does not list.
Consider Axis Bank Atlas Visa Credit Card if you prefer a moderate joining fee and annual fee with a consistent earning of EDGE Miles, especially if you value milestone rewards and a decent number of domestic and international lounge visits. It suits users who want steady travel rewards without the higher fee commitment of premium metal cards.
Consider Infinia Metal Edition Hdfc Credit Card if you seek top-tier rewards with accelerated points on multiple popular brands, unlimited lounge access both domestically and internationally, and additional luxury benefits like concierge services and golf perks. It is ideal for high spenders who can leverage the fee waiver and want maximum value from travel and lifestyle benefits.
Axis Bank Atlas Visa Credit Card charges Rs.5,000 as joining and renewal fees. HDFC Infinia Metal Edition charges Rs.12,500 for both joining and renewal, with a renewal fee waiver if you spend Rs.10 lakh in a year.
Axis Bank Atlas offers 5 EDGE Miles per Rs.100 spent on travel, while HDFC Infinia provides 5X reward points on flights and 10X points on hotels and other categories, making Infinia more rewarding for travel-related spends.
Axis Bank Atlas provides 12 domestic and 6 international lounge visits annually under its Gold Tier membership. HDFC Infinia offers unlimited complimentary lounge visits both in India and internationally.
Axis Bank Atlas charges a 3.5% forex markup on foreign currency transactions, whereas HDFC Infinia charges a lower 2% markup.
Axis Bank Atlas offers milestone EDGE Miles on spending Rs.3 lakh, Rs.7.5 lakh, and Rs.15 lakh annually. Milestone benefits are not listed in our data for HDFC Infinia.
Yes, both cards provide a 1% fuel surcharge waiver.