Axis Bank Magnus Credit Card vs HDFC Infinia Metal Edition
A head-to-head comparison on verified fees, waiver math, reward rates, lounge conditions and forex charges.
Our verdict
The two super-premium benchmarks of India: Infinia wins on portal value and simplicity, Magnus wins on transfer partners at very high monthly spends.
Pick Magnus if you spend heavily every month and transfer points to airline and hotel partners.
Pick Infinia if you can get invited and book through SmartBuy; its value per rupee is hard to beat.
| Compare | Axis Bank Magnus Credit Card | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹12,500 + GST (₹14,750 total) | ₹12,500 + GST (₹14,750 total) |
| Fee waiver | Waived on ₹25,00,000 annual spend | Waived on ₹10,00,000 annual spend |
| Headline reward | 12 EDGE Reward Points per ₹200 up to ₹1.5 lakh monthly spends and 35 per ₹200 above that (the 35 rate applies only up to monthly spends equal to your credit limit plus ₹1.5 lakh, from 20 Jun 2025), with 5X points on Travel EDGE spends | 3.3% Base to 33.3% via SmartBuy Portal |
| Online spends return | 1.2% | 16% |
| Dining return | 1.2% | 9% |
| Travel return | 6% | 33% |
| Bills and UPI return | 0% | 5% |
| Fuel return | 0% | 0% |
| Lounge access | Unlimited domestic and international (Priority Pass) visits for the primary cardholder; domestic access needs ₹50,000 spends in the previous 3 calendar months; 4 guest visits per year; Priority Pass is not valid at Indian domestic lounges from 28 Aug 2026 | Unlimited domestic & international (Priority Pass) visits for primary and add-on holders; guests are charged US$27 + GST per visit |
| Forex markup | 2% + 18% GST | 2.0% + 18% GST |
| RuPay UPI payments | Not supported | Not supported |
| Credwiser score | 92/100 | 98/100 |
Green cells mark the stronger card on that row. Returns are effective category rates from each card verified record, before caps; check the fine print below for caps.
The fine print decides it
Axis Bank Magnus Credit Card
Annual fee ₹12,500 plus 18% GST, total ₹14,750. Domestic lounge access is gated on ₹50,000 spends in the previous 3 calendar months, guest visits are 4 per year, and Priority Pass stopped working at Indian domestic lounges from 28 August 2026. The 35 points per ₹200 rate is capped at monthly spends equal to the credit limit plus ₹1.5 lakh (20 June 2025 revision).
Last verified against MITC: 21 October 2026 • View official MITC →
HDFC Infinia Metal Edition
18% GST applies to annual fee (Total ₹14,750). Cash advance charge: 2.5% or min ₹500. Rent surcharge: 1% + GST. Fuel surcharge waiver up to ₹1,000 per billing cycle. Lounge entry is complimentary only for the cardholder; guests are charged US$27 + GST per visit via Priority Pass.
Last verified against MITC: 21 October 2026 • View official MITC →
Frequently asked questions
Which is cheaper, Axis Bank Magnus Credit Card or HDFC Infinia Metal Edition?
Axis Bank Magnus Credit Card charges ₹12,500 + gst (₹14,750 total) and its waiver position is: waived on ₹25,00,000 annual spend. HDFC Infinia Metal Edition charges ₹12,500 + gst (₹14,750 total) with this waiver position: waived on ₹10,00,000 annual spend. Remember the fee is billed first and reversed later on cards that offer a waiver.
Which card has better lounge access, Axis Bank Magnus Credit Card or HDFC Infinia Metal Edition?
Axis Bank Magnus Credit Card: Unlimited domestic and international (Priority Pass) visits for the primary cardholder; domestic access needs ₹50,000 spends in the previous 3 calendar months; 4 guest visits per year; Priority Pass is not valid at Indian domestic lounges from 28 Aug 2026. HDFC Infinia Metal Edition: Unlimited domestic & international (Priority Pass) visits for primary and add-on holders; guests are charged US$27 + GST per visit. Always check the spend gate, if any, before travelling; our Lounge Access Checker shows the exact criteria for both cards.
Axis Bank Magnus Credit Card vs HDFC Infinia Metal Edition: which should I pick?
The two super-premium benchmarks of India: Infinia wins on portal value and simplicity, Magnus wins on transfer partners at very high monthly spends. Pick Magnus if you spend heavily every month and transfer points to airline and hotel partners. Pick Infinia if you can get invited and book through SmartBuy; its value per rupee is hard to beat.
More comparisons with these cards
Compare any two cards freely in the side-by-side comparison matrix, or check gates and caps in the Lounge Access Checker and Cashback Cap Maxer.