The HDFC Infinia Credit Card is arguably one of the best credit cards in the super-premium category of the Indian credit card market. Both cards carry an annual fee of ₹12,500 + GST and offer exceptional lifestyle, travel, and dining benefits. While HDFC Infinia is known for its high reward rate and exclusive perks like unlimited lounge access and premium hotel benefits, Axis Magnus stands out with its reward points and partner privileges. If you’re a frequent traveller or a high spender seeking luxury experiences and maximised rewards, both these cards are worth considering.
HDFC Infinia Credit Card – Overview
The HDFC Infinia Credit Card is often the first name that comes to mind when discussing premium credit cards. Infinia Credit Card offers a reward rate of up to 3.3% on everyday spending and comes with an annual fee of ₹12,500 + GST. Some of the key features of HDFC Infinia Credit Card are as follows:
- Welcome Benefit: Earn 12,500 bonus reward points when you join the card membership, subject to the payment of the membership fee.
- Reward Rate: Earn 5 Reward Points for every ₹150 spent using the card on all categories, excluding fuel. Earn 10x Reward Points on hotel bookings, 5x Reward Points on flight/bus ticket bookings, purchases from the Apple Store, and 3x Reward Points on spending on Flipkart through SmartBuy Portal.
- Reward Redemption: The Reward Points earned on the Infinia Credit Card are redeemable for Air Miles, products, shopping vouchers, or cash back. The reward redemption rate is as per the following table-
| Reward Points Redemption | ||||
| Hotel/Flight via SmartBuy | AirMiles Conversion | Apple/Tanishq Vouchers | Products/Vouchers | Cashback |
| ₹1 | 1 AirMile | ₹1 | ₹0.50 | ₹0.30 |
- Complimentary Airport Lounge Access: Complimentary access to domestic/international airport lounges with Priority Pass.
- Complimentary Golf: Unlimited complimentary access to some of the leading golf destinations across the world.
- Other Benefits: Complimentary 1-year membership in the Club Marriott hotel loyalty program. 2+1 complimentary night stay at partner ITC hotels. A 1+1 buffet is offered on weekends at partner ITC hotels, and an assured 25% discount is available at over 200 partner restaurants. Additionally, a 24/7 global concierge service is available to assist with restaurant table bookings, hotel reservations, and gift deliveries worldwide.
- Low Forex Charge: A lower foreign currency mark-up fee of just 2% of the transaction amount.
- Annual Fee Waiver: The annual membership fee of ₹12,500 is waived on an expenditure of a minimum of ₹10,000 in the preceding year.
Axis Bank Magnus Credit Card – Overview
The Axis Bank Magnus Credit Card is currently the most rewarding credit card available in the market, offering high reward points on standard spending. The Magnus Credit Card has an annual fee of ₹12,500 plus GST. Some of the key features of the Axis Magnus Credit Card are as follows:
- Welcome Benefit: A Luxe, Yatra, or Postcard Hotels voucher worth ₹12,500 as a welcome benefit on joining the card membership.
- Reward Rate: 12 Axis Bank Edge Reward Points per ₹200 spent with the card and 5x Edge Reward Points on travel spends via the Edge Rewards Portal.
- Reward Redemption: Axis Bank Edge Reward Points are redeemable for products and shopping vouchers from the Axis Bank Edge Rewards portal. 1 Edge Reward Point = ₹0.20. The EDGE Points are transferable to partner Airlines and Hotels, including Etihad Airways Club ITC, Marriott Bonvoy, Singapore Airlines, and other partners at a ratio of 5:4.
- Complimentary Airport Lounge Access: Unlimited domestic airport lounge access and eight complimentary international airport lounge accesses every year with a complimentary Priority Pass membership.
- Other Benefits: BOGO offer on movie tickets booked via BookMyShow (a max discount of ₹500 on the second ticket). Enjoy a 25% discount at over 2,000 restaurants with a complimentary Dine Out Passport membership. Complimentary medical benefits like medical concierge service with virtual health assistance, second opinions from medical practitioners, and preventive health packages from leading pathology labs. A 24×7 concierge service for assistance regarding hotel/flight bookings, restaurant table reservations, and gift deliveries.
- Low Forex Charge: A lower markup fee on transactions made in a foreign currency, a lower interest rate, and zero cash withdrawal fee.
- Annual Fee Waiver: The annual fee of ₹12,500 is waived if a minimum of ₹25 lakh was spent with the card in the preceding year.
Quick Comparison
| Particulars | HDFC Infinia Credit Card | Axis Bank Magnus Credit Card |
| Annual Fee | ₹12,500 + GST | ₹12,500 + GST |
| Welcome Benefit | 12,500 Reward Points | Complimentary Voucher Worth ₹12,500 from Luxe, Yatra, or Postcard Hotels |
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| Reward Redemption |
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| Milestone Benefits | N/A | 25,000 Bonus Edge Points on ₹1 Lakh Spend per Month |
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Bottom Line
Both the HDFC Infinia and Axis Bank Magnus Credit Cards offer premium benefits. If you seek a credit card in the luxury segment with the highest reward rate in Reward Points and frequently spend at least ₹1 lakh monthly, the Axis Bank Magnus Credit Card provides a better reward rate. Conversely, if you prefer a card that offers premium travel and dining perks along with a reasonable reward rate, the HDFC Infinia Credit Card is a good choice, including complimentary 2+1 night stays and buffets at partner ITC hotels. Additionally, you can earn Reward Points at up to 10x through SmartBuy.