Side-by-side · honest numbers
Axis Bank ACE Credit Card vs HDFC Bank Infinia Credit Card vs SBI Card MILES
Honest side-by-side comparison of Axis Bank ACE Credit Card, HDFC Bank Infinia Credit Card, SBI Card MILES — 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, Axis Bank ACE Credit Card ranks first for estimated net annual value — ahead of SBI Card MILES by about ₹3,370/yr.
| Feature | Axis Bank ACE Credit Card Axis Bank | HDFC Bank Infinia Credit Card HDFC Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹12,500 | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | Waived at ₹3,00,000/yr spend |
| Min income | ₹20,000/mo | ₹1,00,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | -₹4,128/yr | ₹3,290/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | — | — |
| Top reward rate | 5% | 5 RP/₹150 | 6X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank ACE Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank ACE Credit Card leads with an estimated ₹6,660/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
- 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.
Axis Bank ACE Credit Card
Axis Bank
HDFC Bank Infinia Credit Card
HDFC Bank
SBI Card MILES
SBI Card
Your adjusted comparison
| Feature | Axis BankGold Axis Bank ACE Credit Card •••• •••• •••• 4242 Quick facts Axis Bank ACE Credit Card Top reward5% Annual fee₹499 Min income₹20,000/mo Tap to flip back Axis Bank ACE 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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹12,500 | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | ₹10,00,000/yr | Waived at ₹3,00,000/yr spend |
| Min income | ₹20,000/mo | ₹1,00,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | -₹4,128/yr | ₹3,290/yr |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | — | — |
| Top reward rate | 5% | 5 RP/₹150 | 6X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/axis-ace-vs-hdfc-infinia-vs-sbi-card-milesMore Axis Bank ACE Credit Card comparisons
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