HDFC Infinia Metal vs Axis Magnus for Burgundy (2026)
#1 vs #2 — the most rounded card in the country against the hardest-earning one.
Head to head
| Metric | HDFC Infinia Metal | Axis Magnus for Burgundy |
|---|---|---|
| Our rank | #1 | #3 |
| Annual fee | ₹12,500 + GST | ₹30,000 + GST |
| Fee waiver | ₹10,00,000 spend | ₹30,00,000 spend |
| Forex markup | 2% + GST | 2% + GST |
| APR | 1.99%/mo (23.88%/yr) | 3.0%/mo (42.58%/yr, compounded as quoted by Axis) |
| Effective reward rate | 3.3% | 4.8% |
| Currency | HDFC Reward Points | Axis EDGE Reward Points |
| House value | ₹1.00/pt | ₹0.40/pt |
| Welcome benefit | 12,500 reward points + complimentary Club Marriott, first year | ₹5,000 flight / Luxe / Postcard voucher (new applications) |
| Lounge doors opened | 588 of 644 | 583 of 644 |
| Income — salaried | ₹5L+/month net (private sector); ₹3.5L+/month (govt) | Burgundy relationship required — official criteria: net salary credit above ₹3L/month in an Axis Salary Account, or ₹10L AMB in savings, or ₹30L TRV (₹1Cr incl. demat) |
| Income — self-employed | ITR ₹60L+/yr | Same Burgundy gates via balances: ₹10L AMB in savings or ₹30L TRV (₹1Cr incl. demat), consistently maintained through the month |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. Tune it to your own spend in the calculator.
HDFC Infinia Metal wins under ₹1.75L/month; Axis Magnus for Burgundy takes over above it.
Transfer reach
Both reach
- Singapore Airlines KrisFlyer 1:1 vs 5:4
- British Airways Executive Club (Avios) 2:1 vs 5:2
- Finnair Plus (Avios) 1:1 vs 5:2
Only HDFC Infinia Metal
- Qatar Airways Privilege Club (Avios)
- Marriott Bonvoy
- ALL - Accor Live Limitless
Only Axis Magnus for Burgundy
- Ethiopian ShebaMiles
- IndiGo BluChip
- ITC Hotels
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, HDFC Infinia Metal nets ₹55,764 against ₹27,600 — a ₹28,164 gap. At ₹5L/month, Axis Magnus for Burgundy nets ₹6,74,400 against ₹2,78,820 — a ₹3,95,580 gap. Lounge chasers: HDFC Infinia Metal opens 588 of 644 tracked doors to Axis Magnus for Burgundy's 583.
Our standing verdicts: HDFC Infinia Metal — Keep; Axis Magnus for Burgundy — Keep. On our board, HDFC Infinia Metal sits at #1 to Axis Magnus for Burgundy's #3 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →