Flipkart Axis Bank vs HDFC Infinia (Metal)
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Flipkart Axis Bank wins 5-4. Flipkart loyalists who also use Myntra and Cleartrip HDFC Infinia (Metal) is still the right call if top-tier travelers — invitation-only, the apex of hdfc reward redemption..
Side-by-side
| Criterion | Flipkart Axis Bank | HDFC Infinia (Metal) |
|---|---|---|
| Annual fee | ₹500 | · ₹12,500 |
| Joining fee | ₹500 | · ₹12,500 |
| Top reward rate | · 5% (shopping) | 33% (travel) |
| Base reward rate | · 1.5% | 3.3% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days | = 12,500 reward points (offsets joining fee 1:1) |
| Fee waiver threshold | ₹350,000 / yr | · ₹1,000,000 / yr |
| Min income | ₹360,000 | · ₹4,000,000 |
| Min credit score | 730 | · 800 |
| Editorial rating | · 4.4/5 | 4.9/5 |
Benefits compared
Flipkart Axis Bank
- 5% cashback on Flipkart, Myntra, 2GUD
- 4% cashback on Cleartrip, Swiggy, Uber, PVR, Cult.fit
- 1.5% cashback on every other transaction
- 4 complimentary domestic 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
›Flipkart Axis Bank vs HDFC Infinia (Metal): which is better?
Flipkart Axis Bank 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 Flipkart Axis Bank 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?
Flipkart Axis Bank: ₹500 Flipkart voucher + ₹600 spend bonus on first 90 days. HDFC Infinia (Metal): 12,500 reward points (offsets joining fee 1:1).