Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Flipkart Axis Bank Credit Card vs HDFC Infinia Metal Edition for ₹150,000 Monthly Spend
Comparing Flipkart Axis Bank Credit Card vs HDFC Infinia Metal Edition at ₹150,000/month. HDFC Infinia Metal Edition wins, delivering ₹108,275 net annual value (6.02% ROI) vs ₹42,840 for Flipkart Axis Bank Credit Card.
Interactive Head-to-Head Simulator
Test Your Monthly Spend & Category Mix
Simulates real-world capping thresholds, 18% GST deductions, and bank waiver rules in real time.
₹1,50,000(₹18,00,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹1,50,000/mo+ ₹65,435/yr Higher Value
HDFC Infinia Metal Edition
Delivers ₹1,08,275 net annual returns (6.02% ROI) vs ₹42,840 on Flipkart Axis Bank Credit Card.
Card A
Flipkart Axis Bank Credit Card
Axis Bank
₹42,840Net Annual Benefit
Gross Rewards:₹42,840/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:2.38%
Fee Waiver Progress (3.5L target):100%
Card B
HDFC Infinia Metal Edition
HDFC Bank
₹1,08,275Net Annual Benefit
Gross Rewards:₹1,08,275/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:6.02%
Fee Waiver Progress (10L target):100%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹18,000/year Extra YieldPair HDFC Infinia Metal Edition + Airtel Axis Bank Credit Card
Pair HDFC Infinia Metal Edition with Airtel Axis Bank Credit Card to capture up to ₹18,000/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹1,50,000/mo)
| Spend Category | Monthly Spend | Flipkart Axis Bank Credit Card | HDFC Infinia Metal Edition |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹37,500/mo | ₹1,875 (5%) | ₹3,746 (9.99%) |
| Scan & Pay Merchant UPI | ₹22,500/mo | ₹225 (1%) | ₹749 (3.33%) |
| Electricity, Water, Gas & Broadband BillsUtility payments excluded from earning cashback | ₹18,000/mo | 0% Excluded | ₹599 (3.33%) |
| Swiggy, Zomato & Dining Out | ₹18,000/mo | ₹720 (4%) | ₹1,199 (6.66%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹15,000/mo | ₹150 (1%) | ₹500 (3.33%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on ₹400-₹4,000 transactions, max ₹400/mo | ₹12,000/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹12,000/mo | ₹600 (5%) | ₹1,980 (16.5%) |
| LIC, Health & Term Insurance Premiums | ₹7,500/mo | 0% Excluded | ₹250 (3.33%) |
| House Rent & School/College Fees1% fee + 18% GST on rental spends; zero cashback earned | ₹7,500/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 | ₹18,00,000/yr | +₹42,840 | +₹1,08,275 |
Frequently Asked Questions
Which card is better between Flipkart Axis Bank Credit Card and HDFC Infinia Metal Edition for ₹150,000/month?▼
At ₹150,000/month (₹1,800,000/year), HDFC Infinia Metal Edition mathematically outperforms Flipkart Axis Bank Credit Card by ₹65,435/year. HDFC Infinia Metal Edition delivers ₹108,275 net annual benefit (6.02% effective yield), while Flipkart Axis Bank Credit Card returns ₹42,840 (2.38% effective yield).
Will the annual fee be waived at ₹150,000 monthly spend?▼
On an annual spend of ₹1,800,000: Flipkart Axis Bank Credit Card annual fee is waived (₹0). HDFC Infinia Metal Edition annual fee is waived (₹0).
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.