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 + GST
Renewal Fee
₹5,000 + GST
₹12,500 + GST
₹12,500 + GST
Spend Based Waiver
Not Applicable
Annual fee of ₹12,500 + Taxes waived on spending ₹25 Lakhs in the preceding year.
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Foreign Transaction Fees
3.50% on foreign currency transactions; 1.5% for Dynamic Currency Conversion.
Reduced mark-up fee of 2% on foreign transactions.
2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
3.75% per month (55.55% per annum) on retail purchases and cash advances.
3.0% per month (42.58% annually) on extended credit.
1.99% per month (23.8% annualized) on the due amount.
Rewards & Benefits
Welcome Bonus
2,500 EDGE Miles on first transaction within 37 days of Axis Bank Atlas card issuance.
Choose any one gift voucher worth INR 12,500 from Luxe, The Postcard Hotels, or Yatra.
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Rewards Rate
Earn 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions.
Earn 12 EDGE RPs per ₹200 (up to ₹1.5L monthly); 35 RPs per ₹200 (above ₹1.5L). 60 RPs on Travel Edge (up to ₹2L).
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
₹99 per redemption transaction on EDGE portal; ₹199 for transfers to partner loyalty programs.
Nil
Nil
Travel & Lifestyle
Domestic Lounge Access
8-18 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
Unlimited complimentary visits to select airport lounges in India for primary and add-on cardholders.
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
4-12 complimentary visits per year based on Silver, Gold, or Platinum tier membership.
Unlimited complimentary international lounge visits for primary cardholder with Priority Pass, plus 4 guest visits.
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Travel Benefits
Accelerated EDGE Miles on travel, lounge access, flight/hotel redemptions, partner miles transfers.
Unlimited lounge access (domestic & intl), complimentary 3rd-night stay & upgrades at Oberoi/Trident Hotels.
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Up to 25% off (Max ₹800) twice a month at partner restaurants via EazyDiner on ₹2,500+ spend.
Upto 30% discount (up to ₹500) at over 4000 restaurants across India via Axis Dining Delights.
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Golf Benefits
Not Applicable
4 complimentary green fees & 12 golf lessons per year for World Mastercard variant holders.
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
Fuel Surcharge Waiver
1% fuel surcharge (refunded for ₹400-₹4,000 transactions, max ₹400/cycle).
1% fuel surcharge waiver (₹400-₹4000 transactions), max waiver ₹400 per month.
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Credit Shield ₹5L, Purchase protection ₹2L, Credit Liability coverage, Lost/Delayed Baggage $500.
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Cash Advance Charges
2.5% of cash amount, minimum ₹500.
Nil (Interest charges applicable).
NIL, but interest charges are applicable from the date of cash advance.