Axis Bank Miles & More vs HDFC InterMiles Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC InterMiles Signature Credit Card wins 6 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.7/10.
| Feature | Axis Bank Miles & More | HDFC InterMiles Signature |
|---|---|---|
| CardTrail Score | 7.7/10 | 8.4/10 |
| Annual Fee | ₹3,500 | ₹2,500 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 4% | 6% |
| Forex Markup | 3.5% | 2% |
| Domestic Lounges | 0 | 16 |
| International Lounges | 2 | 5 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Signature |
When to Choose Axis Bank Miles & More
- You can meet the fee waiver condition: Waived for HON/Senator members
- Your primary spend is: travel, miles, lufthansa
When to Choose HDFC InterMiles Signature
- You can meet the fee waiver condition: Rs. 3 lakh spend in previous year
- You travel internationally — saves ₹1,500/year on ₹1L forex spend
- You want higher rewards — up to 6% vs 4%
- Airport lounge access matters — 16 domestic visits
Forex Cost Comparison
On ₹1,00,000 annual international spending: Axis Bank Miles & More costs ₹4,130 in forex fees vs HDFC InterMiles Signature at ₹2,360. You save ₹1,770/year with HDFC InterMiles Signature.
Annual Fee Value Analysis
To break even on Axis Bank Miles & More's ₹3,500 fee at 1% rewards, spend ₹29,167/month.
To break even on HDFC InterMiles Signature's ₹2,500 fee at 1% rewards, spend ₹20,833/month.