HDFC Infinia (Metal) vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis MyZone wins 5-4. Entry-tier with strong entertainment partnerships. 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 MyZone |
|---|---|---|
| Annual fee | · ₹12,500 | ₹500 |
| Joining fee | · ₹12,500 | ₹500 |
| Top reward rate | 3.3% (general) | · 1% (general) |
| Base reward rate | 3.3% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 12,500 reward points (offsets joining fee 1:1) | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹100,000 / yr |
| Min income | · ₹4,000,000 | ₹240,000 |
| Min credit score | · 800 | 720 |
| Editorial rating | 4.9/5 | · 4/5 |
Benefits compared
HDFC Infinia (Metal)
- Unlimited international + domestic lounge access (self + guest)
- 10x reward points on SmartBuy partners
- Free annual Club Marriott membership
- Concierge 24x7
- 2% forex markup
Axis MyZone
- Buy-1-get-1 movie tickets on District, spend-gated from 1 Nov 2026 (₹25,000 settled spend in the previous 3 months)
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›HDFC Infinia (Metal) vs Axis MyZone: which is better?
Axis MyZone wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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 MyZone 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 MyZone: ₹500 SonyLIV / Eros Now subscription.