Side-by-side · honest numbers
Axis Bank Airtel Credit Card vs HDFC Bharat Cashback Credit Card vs HDFC Bank Infinia Credit Card
Honest side-by-side comparison of Axis Bank Airtel Credit Card, HDFC Bharat Cashback 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, Axis Bank Airtel Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹2,640/yr.
| Feature | Axis Bank Airtel Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | HDFC Bank Infinia Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹12,500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | ₹10,00,000/yr |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | ₹5,430/yr | -₹4,128/yr |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 5% cashback | 5 RP/₹150 |
| Primary reward cap | ₹250 rewards/mo cap | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback 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.
Axis Bank Airtel Credit Card
Axis Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
HDFC Bank Infinia Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC 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 | ₹500 | Lifetime free | ₹12,500 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Lifetime free | ₹10,00,000/yr |
| Min income | ₹20,000/mo | ₹15,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | ₹5,430/yr | -₹4,128/yr |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Fuel | — | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 5% cashback | 5 RP/₹150 |
| Primary reward cap | ₹250 rewards/mo cap | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | — |
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