Axis Primus Credit Card vs HDFC Bank Infinia Credit Card: Comparing Fees and Rewards in 2026

Axis Primus charges a ₹3 lakh annual fee and gives a flat 5.0% reward rate across all spending categories. HDFC Bank Infinia charges a ₹12,500 annual fee with a 3.33% base reward rate, but offers up to 33.3% on travel and shopping. Compare their exact fees and reward structures side by side.

By Qrates research desk · 2026-10-30

Axis Primus charges a ₹3 lakh annual fee and gives a flat 5.0% reward rate across all spending categories (Qrates directory). HDFC Bank Infinia charges a ₹12,500 annual fee with a 3.33% base reward rate, but offers up to 33.3% on travel and shopping (Qrates directory). You can check the latest figures on the Axis Primus Credit Card and HDFC Bank Infinia Credit Card Qrates pages.

Quick answer: Axis Primus vs HDFC Infinia

Axis Primus charges a ₹3 lakh annual fee. It gives a flat 5.0% reward rate across all spending categories. This includes fuel and utilities.

HDFC Bank Infinia charges a ₹12,500 annual fee. It has a 3.33% base reward rate. The card offers up to 33.3% on travel and shopping.

Neither card includes domestic or international airport lounge access on credit cards in their base directory facts. You have to pay for your own lounge access based on the Qrates directory data.

At a glance: Axis Primus and HDFC Infinia compared

The table below shows the exact fees and reward rates for both cards. These numbers come from the Qrates directory data.

Feature	Axis Primus	HDFC Infinia
Joining fee	₹5 lakh	₹12,500
Annual fee	₹3 lakh	₹12,500
Base reward rate	5.0%	3.33%
Lounge visits	Zero domestic, zero international	Zero domestic, zero international
Fee waiver	None listed	On ₹10 lakh annual spend

Axis Primus requires a much higher upfront cost. HDFC Infinia offers a way to waive the annual fee based on your spending. The base reward rates also differ significantly.

The massive gap in joining and annual fees

The biggest difference between these two credit cards is the cost to hold them. Axis Primus requires a ₹5 lakh joining fee. You must also pay a ₹3 lakh annual fee. The bank adds an 18% GST to both of these amounts.

HDFC Infinia requires a ₹12,500 joining fee. The annual fee is also ₹12,500, plus 18% GST. This makes the Infinia card much cheaper to open and keep year after year.

HDFC Infinia waives the annual renewal fee entirely. You get this waiver if you spend ₹10 lakh in the previous year. Axis Primus has no listed fee waiver in the directory facts.

Flat 5% rewards vs up to 33.3% category rewards

These cards take very different approaches to reward points. One offers a single flat rate. The other changes based on where you spend your money.

Axis Primus: Flat 5% on everything

Axis Primus gives a flat 5.0% reward rate in EDGE Miles. You earn this rate on dining, travel, grocery, and fuel. You also earn it on utilities and insurance.

This flat structure means you do not have to track different categories. Every transaction earns the exact same 5.0% return. You get a high rate on fuel and utilities, which many other cards exclude.

HDFC Infinia: 33.3% on travel and shopping

HDFC Infinia gives a 3.33% base rate in Reward Points. You earn this base rate for grocery, insurance, utilities, and telecom.

The card increases its reward rate to 33.3% for travel and shopping categories. This makes a big difference if you book flights or buy electronics often. You have to plan your spending to get the highest return on this card.

Lounge access and eligibility rules

According to Qrates directory data, neither the Axis Primus nor the HDFC Infinia includes domestic airport lounge visits. The data also shows zero international airport lounge visits for both cards. You will not get free lounge entry through the base features of these cards.

HDFC Infinia has strict eligibility rules. It requires a minimum annual income of ₹36 lakh. You also need a minimum credit score of 750 to apply.

Who each one suits, by need

We do not recommend cards. You can use the facts to choose based on your exact spending habits.

If you are considering other premium options, you might want to look at our HDFC Infinia vs ICICI Signature comparison or see how the Axis Primus compares to the ICICI Signature card.

If a flat reward rate on utilities and fuel matters to you, note that Axis Primus offers 5.0% on these categories. You get the same return without tracking bonus limits.

If keeping annual fees low matters to you, note that HDFC Infinia costs ₹12,500 and waives it on a ₹10 lakh spend. Axis Primus costs ₹3 lakh every year with no waiver listed.

If high rewards on travel matter to you, note that HDFC Infinia offers 33.3% on travel. This is much higher than the 5.0% rate on Axis Primus. You can see other options on the Qrates credit cards directory.

FAQs

Axis Primus credit card ki annual fee kitni hai?

The annual fee for the Axis Primus credit card is ₹3 lakh. You must also pay an 18% GST on this amount. There is no annual fee waiver listed for this card.

What is the reward rate of Axis Primus vs Infinia?

Axis Primus has a flat 5.0% reward rate across all categories. HDFC Infinia has a 3.33% base rate that goes up to 33.3% for travel and shopping. Axis Primus earns EDGE Miles, while Infinia earns Reward Points.

Does Axis Primus give unlimited lounge access?

Qrates directory data shows zero domestic and zero international lounge visits for the Axis Primus card. The base facts do not list any unlimited lounge access.

HDFC Infinia invite kaise milta hai?

HDFC Infinia requires a minimum income of ₹36 lakh a year. You also need a CIBIL score of at least 750. Meeting these numbers is the first step to getting the card.

The short version

Axis Primus charges a ₹3 lakh annual fee for a flat 5.0% reward rate across all categories.
HDFC Infinia charges a ₹12,500 annual fee and offers up to 33.3% rewards on travel and shopping.
HDFC Infinia waives the annual fee if you spend ₹10 lakh in a year.
Neither card includes domestic or international airport lounge visits in their base directory facts.

Sources

Disclaimer

Qrates is an information directory. It takes no commission from any company listed and does not recommend products. Figures are taken from the sources named and dated, and they change; check the company's own page before you decide. This is not investment, credit, insurance or tax advice for your situation.