Axis Bank Atlas Credit Card Vs. HDFC Bank Infinia Credit Card

Axis Bank Atlas Credit Card

Axis Bank Atlas Credit Card

HDFC Bank Infinia Credit Card

HDFC Bank Infinia Credit Card

Comparison of Axis Bank Atlas Credit Card and HDFC Bank Infinia Credit Card

Feature	Axis Bank Atlas Credit Card	HDFC Bank Infinia Credit Card
Annual Fee	₹5,000 + GST (~₹5,900)	₹12,500 + GST
Joining Fee	₹5,000 + GST (~₹5,900)	₹12,500 + GST
Welcome Benefits	Receive 2,500 EDGE Miles on completing your first transaction within 37 days of card issuance.	Receive complimentary Club Marriott membership for the first year
Interest Rate (APR)	3.6% per month (43.2% annually)	N/A
Foreign Currency Markup	3.5% + GST (~4.13%)	2% of transaction value
Key Highlights	•Welcome Bonus •Accelerated Travel Rewards •Flexible Redemption •Three-Tier Membership •Dining Benefits •Airport Lounge Access	•Premium Lounge Access •Accelerated Rewards •Exceptional Redemption •Luxury Memberships •Annual Fee Waiver
Dos	Prioritise direct airline and hotel bookings to earn 5 EDGE Miles per ₹100 Aim to achieve at least Gold tier (₹7.5 lakh annual spend) to justify the annual fee Plan partner transfers carefully to maximise the 1:2 conversion value Use the card for everyday non-excluded spending to reach tier milestones faster Pay your credit card bill in full and on time to avoid high interest charges	Use HDFC SmartBuy portal for travel bookings to earn 10X points Redeem points at 1:1 ratio for flights and hotels for maximum value Utilise unlimited lounge access during all domestic and international travels Leverage hotel benefits like ITC's book 3 pay 2 and Club Marriott privileges Use the card for all international transactions to benefit from 2% markup
Don'ts	Do not use the card for rent, fuel, utilities, or insurance as these do not earn EDGE Miles Do not expect an annual fee waiver; plan for the ₹5,900 annual fee Do not book travel through third-party OTAs if possible; direct bookings give 5X rewards Do not exceed ₹2 lakh monthly travel spend without planning, as rewards drop to 2X Do not ignore Group A partner transfer caps of 30,000 miles	Avoid spending beyond financial capacity just to reach fee waiver milestones Do not redeem points for low-value options when premium redemption is available Ignore the comprehensive insurance coverage; understand the benefits fully Share card details, CVV, PIN, or OTP with anyone under any circumstances Use the card for cash withdrawals unless absolutely necessary due to charges

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