Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Flipkart Axis Bank Credit Card vs HDFC Infinia Metal Edition for ₹15,000 Monthly Spend
Comparing Flipkart Axis Bank Credit Card vs HDFC Infinia Metal Edition at ₹15,000/month. Flipkart Axis Bank Credit Card wins, delivering ₹3,694 net annual value (2.05% 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+ ₹7,616/yr Higher Value
Flipkart Axis Bank Credit Card
Delivers ₹3,694 net annual returns (2.05% ROI) vs -₹3,922 on HDFC Infinia Metal Edition.
Card A
Flipkart Axis Bank Credit Card
Axis Bank
₹3,694Net Annual Benefit
Gross Rewards:₹4,284/yr
Effective Fee (incl. GST):₹590
Net ROI on Spend:2.05%
Fee Waiver Progress (3.5L target):51%
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 Flipkart Axis Bank Credit Card + Airtel Axis Bank Credit Card
Pair Flipkart Axis Bank 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 | Flipkart Axis Bank Credit Card | HDFC Infinia Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹3,750/mo | ₹188 (5%) | ₹375 (9.99%) |
| Scan & Pay Merchant UPI | ₹2,250/mo | ₹23 (1%) | ₹75 (3.33%) |
| Electricity, Water, Gas & Broadband BillsUtility payments excluded from earning cashback | ₹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 | ₹15 (1%) | ₹50 (3.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, max ₹400/mo | ₹1,200/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹1,200/mo | ₹60 (5%) | ₹198 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹750/mo | 0% Excluded | ₹25 (3.33%) |
| House Rent & School/College Fees1% fee + 18% GST on rental spends; zero cashback earned | ₹750/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex Spends | ₹0/mo | ₹0 (1%) | ₹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 | +₹3,694 | +-₹3,922 |
Frequently Asked Questions
Which card is better between Flipkart Axis Bank Credit Card and HDFC Infinia Metal Edition for ₹15,000/month?▼
At ₹15,000/month (₹180,000/year), Flipkart Axis Bank Credit Card mathematically outperforms HDFC Infinia Metal Edition by ₹7,616/year. Flipkart Axis Bank Credit Card delivers ₹3,694 net annual benefit (2.05% 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: Flipkart Axis Bank Credit Card annual fee is payable at ₹590 (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, Flipkart Axis Bank Credit Card loses ₹0/year to monthly cashback caps, while HDFC Infinia Metal Edition loses ₹0/year. Flipkart Axis Bank Credit Card remains uncapped at this spend. HDFC Infinia Metal Edition remains uncapped at this spend.
What is the breakeven monthly spend between Flipkart Axis Bank Credit Card and HDFC Infinia Metal Edition?▼
The calculated crossover breakeven spend is ₹34,000/month, where higher-fee benefits overtake the lower-fee option.