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| Feature | HDFC Bank HDFC Bank Infinia Metal Edition Credit Card | Axis Bank Axis Bank Magnus Credit Card for Burgundy |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | Axis Bank |
| Network | Visa | Visa |
| Annual fee | ₹12,500 + GST per year | ₹30,000 + GST per year |
| Annual fee waiver | At ₹10,00,000 annual spending | At ₹30,00,000 annual spending |
| Base reward rate | 1% | 1.2% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Not eligible |
| Airport lounge access | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits | Unlimited domestic airport lounge visits • Unlimited international airport lounge visits |
| Forex markup | 2% | 2% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 21 Sept 2026 |
| Best suited to | High-net-worth individuals and senior leaders with ₹1 Lakh+ monthly spend. | Axis Burgundy relationship customers with very high, sustained monthly spend. |
| Main trade-off | Strictly invite-only. HDFC does not publish a universal income threshold, and premium redemption values require specific routes. | This card is restricted to eligible Burgundy relationships. The strongest rates require high monthly spend or Travel EDGE, and the ₹30,000 renewal fee needs ₹30 lakh eligible annual spend for waiver. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
