HDFC Bank
ReviewedHDFC Bank Infinia
India's benchmark super-premium card, with unlimited lounge access and strong SmartBuy redemptions.
5 pts per ₹150Lounge access
Annual fee
₹12,500 + GST
Axis Bank · Visa Signature
Axis Bank Atlas
A miles-first card whose EDGE Miles transfer to airline and hotel partners at real value.
Our verdict
Worth the fee only if you fly a few times a year and will transfer miles to partners. Otherwise a flat cashback card beats it.
What works
- 5 EDGE Miles per ₹100 on direct airline, hotel and Axis travel bookings.
- Transfers to partner airline and hotel programmes, where miles are worth more than statement credit.
- Tiered lounge access — domestic and international visits scale with annual spend.
Watch-outs
- ₹5,000 fee has no waiver, so you must actually redeem miles to break even.
- 2 miles per ₹100 on general spend is average if you never travel.
- Miles capped monthly on the accelerated travel category.
Eligibility snapshot
Typical income
₹9,00,000+ / year
Credit score
750+
Best suited to
4+ flights a year
Underwriting is decided by the issuer and is often stricter than the advertised minimums. An existing relationship with the bank materially improves your odds.
Also worth comparing for travel and miles
HDFC Bank
Data verifiedHDFC Diners Club Black Metal
Metal super-premium card with unlimited lounge visits and 2x golf and dining memberships.
5 pts per ₹150Lounge access
Annual fee
₹10,000 + GST
ICICI Bank
Data verifiedICICI Emeralde Private Metal
Metal card with unlimited lounge access, EazyDiner Prime, golf and a large voucher on renewal.
6 pts per ₹200Lounge access
Annual fee
₹12,499 + GST
Ready to apply for the Axis Bank Atlas?
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