Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Axis Bank Atlas Credit Card vs HDFC Infinia Metal Edition for ₹15,000 Monthly Spend
Comparing Axis Bank Atlas Credit Card vs HDFC Infinia Metal Edition at ₹15,000/month. Axis Bank Atlas Credit Card wins, delivering ₹4 net annual value (0.0% ROI) vs ₹-3,922 for HDFC Infinia Metal Edition.
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₹15,000(₹1,80,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹15,000/mo+ ₹3,926/yr Higher Value
Axis Bank Atlas Credit Card
Delivers ₹4 net annual returns (0% ROI) vs -₹3,922 on HDFC Infinia Metal Edition.
Card A
Axis Bank Atlas Credit Card
Axis Bank
₹4Net Annual Benefit
Gross Rewards:₹5,904/yr
Effective Fee (incl. GST):₹5,900
Net ROI on Spend:0%
Card B
HDFC Infinia Metal Edition
HDFC Bank
-₹3,922Net Annual Benefit
Gross Rewards:₹10,828/yr
Effective Fee (incl. GST):₹14,750
Net ROI on Spend:-2.18%
Fee Waiver Progress (10L target):18%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹2,160/year Extra YieldPair Axis Bank Atlas Credit Card + Airtel Axis Bank Credit Card
Pair Axis Bank Atlas Credit Card with Airtel Axis Bank Credit Card to capture up to ₹2,160/yr extra on zero-reward categories.
Routes excluded categories:Electricity, Water, Gas & Broadband Bills
Detailed 12-Category Rupee Breakdown (@ ₹15,000/mo)
| Spend Category | Monthly Spend | Axis Bank Atlas Credit Card | HDFC Infinia Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹150 (4%) | ₹375 (9.99%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹90 (4%) | ₹75 (3.33%) |
| Electricity, Water, Gas & Broadband BillsUtility and telecom merchant category codes excluded from earning EDGE miles | ₹1,800/mo | 0% Excluded | ₹60 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹1,800/mo | ₹72 (4%) | ₹120 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹1,500/mo | ₹60 (4%) | ₹50 (3.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, capped at ₹400/mo; zero EDGE miles earned | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹120 (10%) | ₹198 (16.5%) |
| LIC, Health & Term Insurance PremiumsInsurance spends excluded from earning EDGE miles | ₹750/mo | 0% Excluded | ₹25 (3.33%) |
| House Rent & School/College Fees1% fee + 18% GST on rental spends; zero EDGE miles earned | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (4%) | ₹0 (3.33%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹1,80,000/yr | +₹4 | +-₹3,922 |
Frequently Asked Questions
Which card is better between Axis Bank Atlas Credit Card and HDFC Infinia Metal Edition for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Axis Bank Atlas Credit Card mathematically outperforms HDFC Infinia Metal Edition by ₹3,926/year. Axis Bank Atlas Credit Card delivers ₹4 net annual benefit (0.0% effective yield), while HDFC Infinia Metal Edition returns ₹-3,922 (-2.18% effective yield).
Will the annual fee be waived at ₹15,000 monthly spend?▼
On an annual spend of ₹180,000: Axis Bank Atlas Credit Card annual fee is payable at ₹5,900 (incl. 18% GST). HDFC Infinia Metal Edition annual fee is payable at ₹14,750 (incl. 18% GST).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Axis Bank Atlas Credit Card loses ₹0/year to monthly cashback caps, while HDFC Infinia Metal Edition loses ₹0/year. Axis Bank Atlas Credit Card remains uncapped at this spend. HDFC Infinia Metal Edition remains uncapped at this spend.
What is the breakeven monthly spend between Axis Bank Atlas Credit Card and HDFC Infinia Metal Edition?▼
The calculated crossover breakeven spend is ₹27,000/month, where higher-fee benefits overtake the lower-fee option.