vs
In short: Axis Signature With Lifestyle Benefits has the lower annual fee (₹3,000 vs ₹12,500); Axis Signature With Lifestyle Benefits includes 2 airport lounge visits a quarter + Priority Pass, 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 Signature With Lifestyle Benefits | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹3,000 | ₹12,500 |
| Joining fee | ₹5,000 | ₹12,500 |
| Annual fee waived | On ₹3 lakh annual spend | On ₹10 lakh annual spend |
| Top reward rate | 10 EDGE Rewards on every ₹200 on International Spends | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rewards | 10 EDGE Rewards on every ₹200 Domestically | 5 Reward Points For Every ₹150 Spent |
| Lounge access | 2 airport lounge visits a quarter + Priority Pass | 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.
The Axis Bank Signature Credit Card With Lifestyle Benefits and the Infinia Metal Edition Hdfc Credit Card both offer premium features tailored for high spenders, but they differ significantly in fees, rewards structure, and travel perks. Axis Bank's card has a lower joining and renewal fee with a simpler fee waiver, while HDFC's Infinia card commands a much higher fee but provides unlimited lounge access and extensive reward accelerations on select brands. Your choice depends on your spending habits, travel frequency, and preference for reward versatility versus luxury privileges.
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 Signature Credit Card With Lifestyle Benefits | 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 | Annual Fee - Rs.3000 | Renewal Fee of Rs. 12500 |
| Annual fee waiver | Spend Rs.3 Lakhs For Annual Fee Waiver | Spend Rs.10 Lakh For Renewal Fee Waiver |
| Top reward rate | Earn 10 EDGE Rewards on every Rs.200 on International Spends | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rate (other spends) | Earn 10 EDGE Rewards on every Rs.200 Domestically | Earn 5 Reward Points For Every Rs.150 Spent |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Quarter | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | Complimentary Priority Pass Membership | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get 100 EDGE Reward Points on First Online Transaction. | Earn 12500 Reward Points As Welcome Benefit |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the Infinia Metal Edition Hdfc Credit Card offers a richer and more diverse earning potential. It provides 10X reward points on select brands like SmartBuy, IGP.com, and Jockey, and 5X points on categories such as Apple and flights, alongside a base rate of 5 points per Rs.150 spent. In contrast, the Axis Bank Signature card offers a straightforward 10 EDGE Rewards per Rs.200 spent both domestically and internationally, plus a 50% cashback on movie tickets. The Infinia card’s varied accelerations can yield more value for targeted shoppers, while Axis Bank’s card suits those preferring a simpler rewards structure.
Regarding travel benefits, the Infinia Metal Edition card stands out with unlimited complimentary lounge access both domestically and internationally, plus a complimentary Club Marriott membership and 24x7 global concierge services. The Axis Bank Signature card offers 2 complimentary airport lounge visits per quarter domestically and a Priority Pass membership for international lounges. While Axis Bank provides decent travel perks, HDFC’s Infinia card is better suited for frequent travelers seeking premium lounge access and concierge support.
The Axis Bank Signature Credit Card is more accessible in terms of fees, with a joining fee of Rs.5000 and an annual fee of Rs.3000, which can be waived by spending Rs.3 lakhs annually. The Infinia Metal Edition card has a significantly higher joining and renewal fee of Rs.12,500 each, with a waiver threshold of Rs.10 lakhs in annual spend. For users concerned about effective cost, Axis Bank’s card is more beginner-friendly and cost-effective, while the Infinia card’s fees may be justified only if you can fully leverage its premium benefits.
The Axis Bank Signature card charges a 3.5% forex markup on foreign currency transactions, which is higher than the 2% charged by the Infinia Metal Edition card. This makes the HDFC card more cost-effective for international spending.
Both cards offer a 1% fuel surcharge waiver, which helps reduce costs on fuel purchases up to specified limits. This benefit is similar across both cards.
Consider Axis Bank Signature Credit Card With Lifestyle Benefits if you prefer a lower fee premium card with straightforward rewards and decent travel perks like Priority Pass and quarterly lounge access. It suits moderate to high spenders who want a simpler rewards structure and a manageable fee waiver requirement.
Consider Infinia Metal Edition Hdfc Credit Card if you are a high spender who values luxury travel benefits such as unlimited lounge access worldwide, a global concierge, and accelerated rewards on specific brands and categories. It is ideal for those who can meet the higher fee waiver threshold and want to maximize rewards across varied lifestyle and travel spends.
The Axis Bank Signature card has a joining fee of Rs.5000 and an annual fee of Rs.3000, waived on spending Rs.3 lakhs annually. The Infinia Metal Edition card charges Rs.12,500 for both joining and renewal, with a fee waiver on Rs.10 lakhs annual spend.
The Infinia Metal Edition card provides unlimited complimentary lounge visits both in India and internationally, while the Axis Bank Signature card offers 2 complimentary domestic lounge visits per quarter and a Priority Pass membership for international lounges.
Axis Bank Signature card offers 10 EDGE Rewards per Rs.200 spent domestically and internationally, plus 50% cashback on movie tickets. Infinia Metal Edition offers 10X points on select brands and 5X points on categories like Apple and flights, with a base rate of 5 points per Rs.150 spent.
Axis Bank Signature card charges a 3.5% forex markup, whereas the Infinia Metal Edition card charges a lower 2% forex markup on foreign currency transactions.
Yes, both cards provide a 1% fuel surcharge waiver on fuel transactions.
The Infinia Metal Edition card offers 24x7 global personal concierge services and complimentary golf lessons and games. The Axis Bank Signature card does not list concierge or golf benefits in our data.