Axis Bank Atlas Credit Card vs Axis Bank Magnus Credit Card vs HDFC Bank INFINIA Metal Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹5,000 + GST
₹12,500 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Renewal Fee
₹5,000 + GST
₹12,500 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Spend Based Waiver
Not Applicable
Annual fee is waived off on spends of ₹25 Lakhs in the preceding year (for Magnus Credit Card).
Spend ₹10 lakh or more in preceding 12 months to get renewal fee waived for the next year.
Foreign Transaction Fees
3.50% of the transaction value; 1.5% for Dynamic Currency Conversion.
2% on foreign transactions.
Lowest markup fee of 2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
3.75% per month (55.55% per annum) for retail purchases & cash.
3.0% per month (42.58% annually) on extended credit.
1.99% per month or 23.8% annualized on the due amount for revolving credit.
Rewards & Benefits
Welcome Bonus
Enjoy 2,500 EDGE Miles as a welcome benefit upon first transaction within 37 days (for cards sourced from 20th April 2024 onwards).
Receive a welcome gift voucher worth INR 12,500 from Luxe, Postcard Hotels, or Yatra.
Complimentary Club Marriott membership for the first year & 12,500 bonus Reward Points upon fee realization.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends (up to ₹2 Lakh/month); 2 EDGE Miles per ₹100 on other spends.
Earn 12 RPs/₹200 on spends up to ₹1.5L, 35 RPs/₹200 above ₹1.5L. Up to 60 RPs/₹200 on Travel Edge.
Earn 5 Reward Points on every ₹150 retail spend, up to 10x on Smartbuy (up to 3.3% rate).
Reward Type
EDGE Miles
Reward Points
Reward Points
Reward Redemption Fee
₹99 for each redemption on EDGE portal; ₹199 for each transfer to partner loyalty programs.
Nil
Nil.
Travel & Lifestyle
Domestic Lounge Access
Complimentary domestic lounge access, with visits increasing across Silver (8), Gold (12), Platinum (18) tiers annually.
Unlimited complimentary domestic airport lounge visits for cardholders (₹50K quarterly spend applies).
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Complimentary international lounge access, with visits increasing across Silver (4), Gold (6), Platinum (12) tiers annually.
Unlimited international lounge access via Priority Pass for primary cardholders (4 guest visits annually).
Unlimited complimentary airport lounge access abroad via Priority Pass for primary and add-on cardholders.
Travel Benefits
Extensive benefits for frequent travelers; redeem EDGE Miles for flights/hotels; favorable transfer ratio to partner airlines/hotels.
Unlimited domestic & international lounge access. Exclusive offers on stays at Oberoi & Trident Hotels.
Unlimited lounge access, ITC hotel stay benefits, flight/hotel bookings via SmartBuy, and concierge.
Movie Benefits
Not Applicable
Not Applicable
Not Applicable
Dining Benefits
Up to 25% off (max ₹800) twice a month at partner restaurants via EazyDiner on minimum spend of ₹2,500.
Enjoy up to 30% discount at over 4,000 restaurants across India under the Axis Dining Delights Program.
Up to 20-25% discounts on dining with Club Marriott & FLAT 10% EXTRA OFF via Swiggy Dineout.
Golf Benefits
Not Applicable
Not Applicable
Unlimited complimentary golf lessons and games at leading courses globally with 100% green fee waiver.
Fuel Surcharge Waiver
1% waiver for transactions between ₹400-₹4,000, capped at ₹400 per statement cycle.
1% fuel surcharge waiver for transactions between ₹400 to ₹4,000, capped at ₹400 per month.
1% fuel surcharge waiver (₹400-₹1L transactions), max ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Includes ₹5L Credit Shield, ₹2L Purchase Protection, Credit Liability & Lost/Delayed Baggage cover.
Accidental Air Death cover (₹3 Cr), overseas hospitalization (₹50L), Credit Shield (₹9L).
Cash Advance Charges
2.5% of cash amount (minimum ₹500).
Nil (Interest charges are applicable on cash advances).
NIL. Interest charges are applicable.