HDFC Infinia (Metal) vs Axis Atlas
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Atlas wins 5-4. Travel-heavy spenders who transfer to airline partners (Vistara, Singapore Airlines, etc.) HDFC Infinia (Metal) is still the right call if top-tier travelers, invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | HDFC Infinia (Metal) | Axis Atlas |
|---|---|---|
| Annual fee | · ₹12,500 | ₹5,000 |
| Joining fee | · ₹12,500 | ₹5,000 |
| Top reward rate | · 3.3% (general) | 5% (travel) |
| Base reward rate | 3.3% | · 2% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = 2,500 EDGE Miles on 1 transaction within 37 days |
| Fee waiver threshold | ₹1,000,000 / yr | · No waiver |
| Min income | · ₹4,000,000 | ₹1,000,000 |
| Min credit score | · 800 | 780 |
| Editorial rating | 4.9/5 | · 4.5/5 |
Benefits compared
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott + Club Vistara Gold
- Concierge 24x7
- 2% forex markup
Axis Atlas
- 5 EDGE Miles per ₹100 on travel (capped ₹2 lakh/month), 2 per ₹100 on other spends
- No annual fee waiver offered
- 8 international + 8 domestic lounge visits/year
- Transferable to 20+ airline + hotel partners
- 3.5% forex markup (high, pair with a zero-forex card for international)
FAQ
›HDFC Infinia (Metal) vs Axis Atlas: which is better?
Axis Atlas wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use HDFC Infinia (Metal) for its best categories, Axis Atlas for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1). Axis Atlas: 2,500 EDGE Miles on 1 transaction within 37 days.