Side-by-side · honest numbers
AU Altura Credit Card vs Axis Bank Reserve Credit Card vs HDFC Bank Infinia Credit Card
Honest side-by-side comparison of AU Altura Credit Card, Axis Bank Reserve Credit Card, HDFC Bank Infinia Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, AU Altura Credit Card ranks first for estimated net annual value — ahead of HDFC Bank Infinia Credit Card by about ₹6,048/yr.
| Feature | AU Altura Credit Card AU Small Finance Bank | Axis Bank Reserve Credit Card Axis Bank | HDFC Bank Infinia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹12,500 | ₹12,500 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹10,00,000/yr |
| Min income | ₹15,000/mo | ₹1,00,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | -₹10,580/yr | -₹4,128/yr |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — |
| Travel | — | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 24 EDGE miles/₹150 | 5 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge · No minimum spend required for lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- AU Altura Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- AU Altura Credit Card leads with an estimated ₹1,920/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU Altura Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Altura Credit Card
AU Small Finance Bank
Axis Bank Reserve Credit Card
Axis Bank
HDFC Bank Infinia Credit Card
HDFC Bank
Your adjusted comparison
| Feature | AU Small Finance BankClassic AU Altura Credit Card •••• •••• •••• 4242 Quick facts AU Altura Credit Card Top reward2% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back AU Altura Credit Card AU Small Finance Bank | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹12,500 | ₹12,500 |
| Fee waiver threshold | Lifetime free | No waiver published | ₹10,00,000/yr |
| Min income | ₹15,000/mo | ₹1,00,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,920/yr | -₹10,580/yr | -₹4,128/yr |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — |
| Travel | — | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Utilities & bills | 2% cashback → ₹80/mo (₹960/yr) | — | — |
| Top reward rate | 2% cashback | 24 EDGE miles/₹150 | 5 RP/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge · No minimum spend required for lounge access | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
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