Infinia vs Atlas Vs Mayura Vs Ashva analyisis

[random-host]

Created this using Gpt for self, though might be useful for others

Feature / Spend Type	HDFC Infinia	Axis Atlas	IDFC First Mayura	IDFC First Ashva
Annual Fee	₹12,500 + GST(Waived on ₹10 L spend)	₹5,000 + GST(Non‑waivable)	₹5,999 + GST	₹2,999 + GST
Base Earn Rate	5 RP/₹150 → ~3.3%	2 EM/₹100 → ~4%	5× → ~0.83%	5× → ~0.83%
Spend > ₹20K / Birthday	Not applicable	Not applicable	10× after ₹20K (incl. birthday) → ~1.66%	10× after ₹20K → ~1.66%
Travel – Flights	SmartBuy up to 33× → ~6.6–22%	5 EM/₹100 → ~10%	40× via IDFC Travel & Shop → ~6.66%	40× → ~5.33%
Travel – Hotels	SmartBuy up to 33× → ~6.6–22%	Same as flight → ~10%	60× via portal → ~10%	60× → ~8%
Govt / Rent / Edu / Wallet	❌ 0% (All excluded)	❌ 0% (Excluded)	✅ 3× (≥ ₹2K) → ~0.50%	✅ 3× (≥ ₹2K) → ~0.50%
Utilities / Insurance	✅ 5 RP/₹150 → ~3.3% up to 5000 RP per day on insurance	❌ 0% (Excluded)	✅ 1× per ₹150 → ~0.16%	✅ 1× per ₹150 → ~0.16%
Reward Redemption Value	₹1/RP (travel), ₹0.50 (vouchers)	₹1/EM (Travel EDGE) or 1:2 partner transfer	₹0.50/pt (travel), ₹0.25 (vouchers)	₹0.40/pt (travel), ₹0.25 (vouchers)
Reward Expiry	Never	3 years	Never	Never
Forex Mark-up Fee	~2% + GST (Global value program refunds 1%)	~3.5% + GST	0%	~1% + GST
Lounge Access (Primary)	Unlimited Intl + Dom(via Priority Pass)	Silver: 4 Intl + 8 DomGold: 6+ IntlPlatinum: 12+ Intl	4 Dom + 2 Intl per Quarter (approx.)	4 Dom + 1 Intl per Quarter (approx.)
Lounge Access (Add-on)	Unlimited Intl + Dom	Follows primary tier	Same as primary	Same as primary
Milestone / Renewal Benefit	12500 renewal point if you pay the fees	2.5k–17.5k Edge Miles (based on tier/spend + renewal)	₹8L: 7,500 RP (₹1,875–₹3,750)₹15L: 15,000 RP (₹3,750–₹7,500)	₹8L: 7,500 RP → ~₹3,000 (travel voucher)

Some fields could be wrong as Gpt is still GPT, I got to fix it some mistakes already, feel free to update if any more inconsistency is found.

update 1 : Added lounge details + Milestones
update 2: Insurance updated for infinia
update 3 : GVP and recommendaitons

Final recommendations
- Infinia + Atlas combo works for most cases, pay with Infinia for normal spends + Atlas for travel spends + vouchers for bills etc
- Atlas reward rate shines with Accor
- IDFC is only one of the few cards which gives points for govt transactions but unless you hit milestones, not that great.

 

[viruss]

add Lougue access

 

[Finchamp!]

Check returns on education spends. I think they are wrong.

 

[Finchamp!]

Check returns on education spends. I think they are wrong.

Also check utilities for Infinia. As much as I recall, it does give some rewards on Airtel Bill payments, etc.

 

[Finchamp!]

Also check utilities for Infinia. As much as I recall, it does give some rewards on Airtel Bill payments, etc.

Also, isn't the expiry of HDFC reward points in 2 years? Please check all and confirm.

 

[Bhokaal]

Also check utilities for Infinia. As much as I recall, it does give some rewards on Airtel Bill payments, etc.

I have an Infinia and it does not give anything extra for bill payments although if you can do it via smartbuy using the Apay voucher then you get a decent return in-spite of the processing fee charged for buying the Apay voucher.

The above table makes Atlas better then Infinia and even Maurya is good if you consider govt spends as well

 

[PavvanPavvan is verified member.]

random-host Please correct the post​

Inifinia gives reward on insurance and utility and reward expire in 3 years

 

[random-host]

add Lougue access

added to the main post

 

[random-host]

I have an Infinia and it does not give anything extra for bill payments although if you can do it via smartbuy using the Apay voucher then you get a decent return in-spite of the processing fee charged for buying the Apay voucher.

The above table makes Atlas better then Infinia and even Maurya is good if you consider govt spends as well

After all devaluations last year, I think only IDFC still gives a bit for govt spends, but not really worth it if you don't hit the milestone benefit if you ask me as there is gateway charges most of the time.

 

[ayman]

Yes infinia does give reward points on utility

 

[Bhokaal]

Infinia also give renewal benefit of equivalent point of the renewal fee ie 12500.

 

[random-host]

random-host Please correct the post​

Inifinia gives reward on insurance and utility and reward expire in 3 years

updated main thread

 

[random-host]

Infinia also give renewal benefit of equivalent point of the renewal fee ie 12500.

only if you pay the renewal fee

 

[Slayer]

Still wondering who asked

 

[Bhokaal]

only if you pay the renewal fee

yes worth mentioning I guess

 

[Bhokaal]

For Infinia there is a global value program as well which give you I think 1% back on international spend. Charges are I think 199+gst for it.
this effectively improves the forex charges.

 

[abhinav2020]

Not sure if these are the right cards to compare. Given an opportunity everyone will go for Infinia

 

[NikTravelEnthusiast]

Final recommendations
- Infinia + Atlas combo works for most cases, pay with Infinia for normal spends + Atlas for travel spends + vouchers for bills etc
- Atlas reward rate shines with Accor
- IDFC is only one of the few cards which gives points for govt transactions but unless you hit milestones, not that great.

In my head,
1. My strategy to spend Infinia for Gift voucher ,Domestic Hotels and flights via Smartbuy. If possible try to hit the 15,000 RP monthly(or atlest 10,000).Primalrly I will use for airmiles.
2.Spend 3 lacs per year on regular spends on Axis atlas. It will generate 17,000 RP. I will use for hotel transfers.(Either Accor, ITC ,Marriott(via ITC to marriott 2/3 ratio,so I get aprx 25,500 marriott points)
3.Curretly spending 4 lacs year on Amex Platinum travel. Generating apprx 58,000 Rp.( Mostly I will add 25,000 marriott points generated via Axis Atlas. So in total 83,000 marriott points).Sadly Amex has stopped 30% transfer bonus.

So going by this I guess, One couple can enjoy one descent stay (alteast 5day)per year in a some nearby countries to India.