HDFC Bank Infinia Metal Edition Credit Card vs Axis Bank Reserve Credit Card

• Metallic Card
• Enjoy complimentary nights and buffet at participating ITC hotels: Book a stay for 3-nights and simply pay for two at participating ITC hotels. Also avail 1+1 complimentary buffet at the participating ITC hotels 
• In the preceding 12 months, spend 10 lakhs or more to avail renewal membership fee waived off for next year. The Renewal benefit 12,500 Reward Points will be availed upon fee realization and card activation
• Enjoy unlimited complimentary golf games at leading courses in India and selected courses across the globe. Unlimited complimentary Golf coaching at selected golf courses in India
• Lowest markup fee of 2% on foreign currency transactions
• Zero Lost card liability 
• Enjoy up to 50 days of interest-free period
• Revolving Credit is available at nominal interest rate
• Global Personal Concierge -24 X 7
• Enjoy unlimited complimentary airport lounge access domestic and international using Priority Pass. This benefit is also available for add-on Priority Pass holders
• Enjoy wonderful dining benefits with the Good Food Trail program: HDFC Bank x Swiggy Dineout - Good food Trail- Indulge in wonderful discounts by obtaining FLAT 15% EXTRA OFF on dining bills at 35K+ restaurants!
• Get 1% fuel surcharge waiver at fuel stations in India on transactions between Rs. 400 and Rs. 1,00,000
• You can convert big spends into EMI after the purchase
• The credit card is enabled for contactless payments 
• Accidental Air Death cover worth Rs. 3 Crore
• Emergency overseas hospitalization up to Rs. 50 lakhs in case of emergency
• Credit Shield Cover for up to Rs. 9 lakhs
• Obtain 5 Reward Points on every Rs. 150 retail spending including Insurance, Utilities and Education
• Earn up to 10 times Reward Points on travel and shopping spends on Smartbuy 

• Upon joining Axis Bank Reserve Credit Card, avail 50000 reward points on card activation and renewal
• 15 edge reward points for every Rs.200 spent
• 2X rewards on international spends
• Annual fee will be waived off on spending Rs.25 lakh in the preceding year
• Reduced markup of 1.5% on international transactions
• No cash withdrawal charges
• Fuel surcharge waiver: 1% for transactions between Rs.400 to Rs.4000 (Capped at Rs.400 per month)
• Reduced APR of 2.5% on extended credit
• Counterfeit/lost card liability up to credit limit
• Purchase protection: Rs.2 Lakhs
• Loss/Delay in baggage & Personal Documents: 500 USD
• Credit shield: Rs.5 Lakhs
• Air accident cover: Rs.450 Lakhs
• Complimentary airport concierge services: Get 8 complimentary VIP Assistance Services for a hassle-free experience. The services include assistance across airport processes, such as check-in, security check, immigration processes and porter services
• Complimentary luxury airport transfers: Get 4 complimentary chauffeured luxury airport pick-ups/drops every year
• Complimentary Priority Pass membership with unlimited visits: Cherish the benefit of unlimited complimentary international lounge visits for both primary and add-on cardholders along with the Priority Pass membership. 12 complimentary visits in a year for accompanying guests
• Avail unlimited complimentary domestic lounge visits for both the primary and add-on card holders. 12 complimentary guest visits in a year for accompanying guests
• Club ITC Culinaire Membership: Complimentary third night stay, 50% savings on published room tariff for suites on weekends, 25% Green Points on Food & Beverage spends, and Bouquet of 10 certificates and more
• Accorplus membership: Get 1 night complimentary stay across Asia Pacific region, complimentary room upgrade, 50% off on dining, and complimentary lunch buffet for 2 across Accor hotels in India
• Handcrafted Club Marriott Asia Pacific membership: Avail 20% off on food and beverage and 20% off on best available rates at participating Marriott hotels in India and on Weekend rates in the Asia Pacific
• Exclusive offers at Oberoi Hotels and Resorts: Get 15% savings on Room Only Rate and Room with Breakfast Rate or 3rd Night complimentary, 50% savings on Best Available Rates on suites
• 20% savings at Postcard hotels: Avail 20% off on best available room rate, anytime check-in and check out, and a complimentary lifestyle consultation (applicable at our hotels in Goa)
• Complimentary golf rounds: 50 Complimentary golf rounds every year across best golf courses in India
• Complimentary EazyDiner Prime membership: Savings of up to 25% across premium restaurants
• Buy 1 and Get 1 complimentary on BookMyShow: Buy 1 movie ticket and get up to Rs.500 off on the second ticket for a maximum of 5 times a month. And buy 1 non-movie ticket and get up to Rs.1000 off on the second ticket for a maximum of 5 times a month
• Dining delights: A dining proposition on Axis Bank cards which provides up to 20% discount at over 4,000 restaurants across India
• Handpicked experiences at extraordinaryweekends.com: Curated experiences such as sailing, golf, chef for a day, unique tours, etc
• Concessions on health and wellness coaching at Weljii: 1st complimentary information session and 25% savings on all health and wellness coaching plans
• Second medical opinion with world-class medical specialists: Referral-based service for second medical opinion with world-class specialists at reputed international hospitals
• Diagnoses at leading medical institutions: Exclusive savings on healthcare packages and pathology tests at Dr. Lal Pathlabs, Metropolis and SRL Diagnostics
• Global travel and medical assistance for international travel

Pros

• Unlimited lounge access at domestic and international airports
• Unlimited complimentary golf games at premier golf courses
• Complimentary nights and buffet at participating ITC hotels

Cons

• The card doesn’t offer any yearly or monthly benefits
• No cashback as such
• Joining fee on higher side

Pros

• Fuel Surcharge Waiver
• Handcrafted Club Marriott Asia Pacific Membership
• Exclusive offers at Oberoi Hotels and Resorts

Cons

• High Joining and Annual Fees