Axis Bank Magnus Credit Card Vs. HDFC Bank Infinia Credit Card
Axis Bank Magnus Credit Card
HDFC Bank Infinia Credit Card
Comparison of Axis Bank Magnus Credit Card and HDFC Bank Infinia Credit Card
Feature
Axis Bank Magnus Credit Card
HDFC Bank Infinia Credit Card
Annual Fee
₹10,000 + GST (~₹11,800)
₹12,500 + GST
Joining Fee
₹10,000 + GST (~₹11,800)
₹12,500 + GST
Welcome Benefits
₹10,000 Tata CLiQ voucher upon card activation
Receive complimentary Club Marriott membership for the first year
Interest Rate (APR)
1.5% to 3.49% per month (18% to 41.88% annually)
N/A
Foreign Currency Markup
2% + GST (~2.36%)
2% of transaction value
Key Highlights
•Premium Rewards Programme
•Welcome Benefits
•Unlimited Lounge Access
•Marriott Bonvoy Gold Elite
•Golf Privileges
•ITC Hotels Benefits
•Milestone Benefits
•Premium Lounge Access
•Accelerated Rewards
•Exceptional Redemption
•Luxury Memberships
•Annual Fee Waiver
Dos
Concentrate spending on eligible categories to maximise EDGE Miles accumulation and work towards annual fee waiver
Transfer EDGE Miles to airline or hotel partners at the 1:4 ratio to maximise redemption value
Make travel bookings through Axis Travel Edge platform to earn the enhanced 15 EDGE Miles per ₹200
Track monthly spending closely if you have Magnus for Burgundy to leverage the accelerated 25 EDGE Miles rate beyond ₹1.5 lakhs
Activate and regularly use your Marriott Bonvoy Gold Elite status for room upgrades, bonus points, and late checkout
Use HDFC SmartBuy portal for travel bookings to earn 10X points
Redeem points at 1:1 ratio for flights and hotels for maximum value
Utilise unlimited lounge access during all domestic and international travels
Leverage hotel benefits like ITC's book 3 pay 2 and Club Marriott privileges
Use the card for all international transactions to benefit from 2% markup
Don'ts
Avoid using the card for excluded categories (rent, utilities, insurance, education, fuel, wallets) as they earn no rewards and don't count towards fee waiver
Don't redeem miles directly from the rewards catalogue unless absolutely necessary, as this typically provides lower value
Avoid carrying a balance beyond the due date, as interest rates can reach up to 41.88% annually
Don't expect automatic annual fee waiver - ensure you meet the ₹1.5 lakh eligible spend threshold on qualifying categories
Never miss the minimum payment deadline to avoid late fees and damage to your credit score
Avoid spending beyond financial capacity just to reach fee waiver milestones
Do not redeem points for low-value options when premium redemption is available
Ignore the comprehensive insurance coverage; understand the benefits fully
Share card details, CVV, PIN, or OTP with anyone under any circumstances
Use the card for cash withdrawals unless absolutely necessary due to charges
