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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.

Features

Axis Bank Atlas Credit Card
Axis Bank Atlas Credit Card
Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
HDFC Bank INFINIA Metal Credit Card
HDFC Bank INFINIA Metal Credit Card

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.

Axis Bank Atlas Credit Card

Axis Bank Magnus Credit Card

HDFC Bank INFINIA Metal Credit Card

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

Excellent choice for individuals with significant domestic and international travel expenses.

Unique tiered benefits system rewards higher spenders with enhanced privileges effectively.

Favorable 1:2 transfer ratio for EDGE Miles to diverse airline and hotel loyalty programs.

Complimentary access to numerous domestic and international airport lounges for comfort.

Awards additional bonus miles upon reaching specified annual spending milestones.

Pros

Key benefits and features.

Enjoy unlimited international and domestic airport lounge access, including guest visits.

Benefit from a low foreign currency markup of just 2% on all international transactions.

Receive robust insurance coverage like credit shield of ₹5 Lakhs and purchase protection.

Experience appealing welcome benefits with a gift voucher worth ₹12,500 on joining.

The World Mastercard variant offers exclusive golf privileges, including free rounds and lessons.

Pros

Key benefits and features.

Unlimited lounge access globally for primary and add-on cardholders via Priority Pass membership.

Enjoy unlimited complimentary golf games and coaching at premier courses across the world.

Highly rewarding with 5 Reward Points for every ₹150 spent, up to 10X on SmartBuy.

Valuable welcome & renewal benefits, including bonus RPs & complimentary Club Marriott membership.

Comprehensive insurance benefits, including air accidental death cover and overseas hospitalization.

Cons

Key drawbacks and limitations.

Axis Bank Atlas Credit Card does not offer any golf or insurance benefits to cardholders.

A high foreign currency transaction fee of 3.5% can accumulate for international spends.

Fees apply for both reward redemption and for transferring miles to partners.

No EDGE Miles are earned on key spend categories like fuel, rent, utilities, and insurance.

Various transaction-specific fees for rent, wallet loads, education, and online gaming.

Cons

Key drawbacks and limitations.

The card has a high annual income requirement of ₹24 Lakhs, limiting accessibility.

Some prior benefits, such as BOGO movie offers, were discontinued as of May 2024.

The reward point earning structure can be quite complex with varied rates and tiers.

Cons

Key drawbacks and limitations.

The card is strictly invite-only, making it inaccessible to most potential applicants due to rigorous criteria.

Significant joining and renewal fees, though a waiver is possible with very high annual spending.

Reward points have monthly caps on grocery, telecom, and utility transactions, limiting earning potential.

Low cashback redemption value (₹0.30 per point) compared to higher value redemptions for travel.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.