Axis ACE vs HDFC Infinia Metal
Side-by-side credit card comparison to help you choose the best one.
HDFC Infinia Metal
Why this card wins: Ultra High Spenders — 5 reward points for every ₹150 spent
| Feature | ||
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Card Type | Cashback | Super Premium |
| Annual Fee | Lifetime Free | ₹12,500 + GST |
| Joining Fee | Nil | ₹12,500 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 5 reward points for every ₹150 spent |
| Best For | Bill Payments | Ultra High Spenders |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹10,00,000+ |
| Welcome Benefit | None | 12,500 reward points on card activation |
| Min Income | ₹15,000/month | Invite only (₹4L+/month) |
| Lounge Access | None | Unlimited domestic + international (Priority Pass) |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 2.0% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 5 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
HDFC Infinia Metal
Ultra High Spenders
Visa Infinite • Super Premium
- Unlimited Airport lounge access globally
- Global Concierge & Golf privileges
- Club Marriott membership for 1 year
- Dedicated Relationship Manager
Verdict
Based on rating and overall value, HDFC Infinia Metal ranks highest among your selected cards. It excels at Ultra High Spenders and offers 5 reward points for every ₹150 spent.
Frequently asked questions
Which is better: Axis ACE or HDFC Infinia Metal?
HDFC Infinia Metal has the higher CardKhoj rating (5/5) and is best for ultra high spenders. Axis ACE is the better fit if your priority is bill payments. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and HDFC Infinia Metal?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹12,500 + GST for HDFC Infinia Metal.
Do Axis ACE and HDFC Infinia Metal offer airport lounge access?
Axis ACE: no complimentary lounge access. HDFC Infinia Metal: unlimited domestic + international (priority pass).
Which card is better for international spending?
HDFC Infinia Metal has the lowest forex markup at 2.0% + GST, which makes it cheaper for travel abroad and foreign-currency shopping.
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