#1-₹8,246/yr
HDFC Bank Infinia Credit Card
5 RP/₹150 · Premium Metal
Best net value on this list — about -₹8,246/yr in your pocket after fees on typical spends.
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Premium Metal·Axis Bank
For high spenders who want lounge and miles.
Age 25–60 · From ₹1,00,000/mo income · Unsecured
Key Benefits
All 12 benefits →Travel spends
12 Edge Miles/₹200
Transfer to remaining Travel Edge partners
Other spends
6 Edge Miles/₹200
Transfer partners
Accor/Marriott/Qatar removed
From 2 Apr 2026 — verify current Travel Edge list
Lounge
Unlimited domestic + 8 intl/year
Signup bonus: ₹25,000 (year 1)
High annual fee — may not pay off at moderate spend
At ₹31,000/mo (our moderate profile), net value is -₹11,102/yr after fees. Rewards alone turn positive around ₹1,25,336/mo in similar category spends.
Model your spends in the calculator →Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
19 Jul 2026
HDFC Infinia Cancellation / Downgrade Calls: Why You're Being Asked to Spend ₹18L or Lose the Card
Cardholders are posting about the calls on X and Reddit today. Here's what's actually behind them.
11 Jul 2026
Every Credit Card Benefit Cut in India: 2025–2026 Tracker (HDFC, SBI, Axis, ICICI, Amex)
Banks didn’t tweak rewards — they capped, gated, and thinned them. Here’s what changed at the five big issuers, who loses ₹, and what still works.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: Axis Magnus T&Cs (Apr 2026 Travel Edge partner revision)
High income, metal cards, max perks
Source: Axis Magnus T&Cs (Apr 2026 Travel Edge partner revision)
Travel spends
Transfer to remaining Travel Edge partners
12 Edge Miles/₹200
Other spends
6 Edge Miles/₹200
Transfer partners
ChangedFrom 2 Apr 2026 — verify current Travel Edge list See what changed
Accor/Marriott/Qatar removed
Lounge
Unlimited domestic + 8 intl/year
Lounge access
Unlimited domestic + 8 international/year
Spend criteria: ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance)
See worked examples of how points convert to cash value
travel — 12 pts per ₹200 spend
You spend
₹10,000
You earn
600 pts
Worth ≈
₹240
@ ₹0.40/point
all — 6 pts per ₹200 spend
You spend
₹10,000
You earn
300 pts
Worth ≈
₹120
@ ₹0.40/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.40/pt in calculations. Points expire in 36 months if unused.
Based on moderate spend for this market
Est. net annual
-₹11,102
per year
Annual fee
₹14,750
per year
Effective return
-3.0%
of spend
Rewards minus annual fee on your spend profile
Annual fee ₹12,500 · Forex 2% on international transactions — tap for full fees
Joining fee
Charged in first year
₹12,500
Annual / renewal fee
Charged every year unless waived
₹12,500
Forex markup
2% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
25–60 years · ₹1,00,000/mo — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹3,888/year. After the ₹12,500 annual fee, net value is approximately -₹11,102/year. Use the calculator above to model your own spends.
₹1,00,000/month for salaried applicants (indicative — bank decides).
EMI transactions, Fuel, Rent, Wallet top-ups, Jewellery.
Deeper rankings and comparisons for similar use cases.
HDFC Bank Infinia Credit Card
5 RP/₹150 · Premium Metal
Best net value on this list — about -₹8,246/yr in your pocket after fees on typical spends.
HDFC Diners Club Black Metal
10X points · Premium Metal
Strong runner-up at -₹8,920/yr net — roughly ₹674 behind #1 on the same spend mix.
ICICI Bank Emeralde Private Metal Credit Card
4X reward points · Premium Metal
Worth a look — -₹11,808/yr net, still ahead of 0 other eligible cards.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.
