Axis ACE vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis ACE wins 5-4. Bill payments + utilities + fuel — set-and-forget cashback HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | Axis ACE | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹499 | · ₹12,500 |
| Joining fee | ₹499 | · ₹12,500 |
| Top reward rate | · 4% (fuel) | 33% (travel) |
| Base reward rate | · 1.5% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹200,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹360,000 | · ₹4,000,000 |
| Min credit score | 750 | · 800 |
| Editorial rating | · 4.5/5 | 4.9/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
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
FAQ
›Axis ACE vs HDFC Infinia (Metal): which is better?
Axis ACE 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 Axis ACE for its best categories, HDFC Infinia (Metal) for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).