Axis Bank Atlas Credit Card VS Axis Bank Magnus Credit Card VS HDFC Bank INFINIA Metal Credit Card
Comparing 3 cards side by side: Axis Bank Atlas Credit Card, Axis Bank Magnus Credit Card, HDFC Bank INFINIA Metal Credit Card. Axis Bank Atlas Credit Card costs ₹5,000 + GST and earns 5 EDGE Miles per ₹100 on travel spends, 2 EDGE Miles per ₹100 on all other transactions. Axis Bank Magnus Credit Card costs ₹12,500 + GST and earns 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). HDFC Bank INFINIA Metal Credit Card costs ₹12,500 + GST and earns 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping. Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
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.
Receive a generous welcome bonus of 2,500 EDGE Miles upon your first transaction.
Enjoy accelerated EDGE Miles earning on all travel-related transactions and bookings.
Benefit from a tiered system (Silver, Gold, Platinum) offering escalating rewards and lounge access.
Unlock attractive milestone benefits, providing bonus EDGE Miles upon achieving spend targets.
Utilize an excellent transfer ratio of 1 EDGE Mile to 2 Partner Points for various loyalty programs.
Pros
Key benefits and features.
Unlimited international and domestic lounge access for primary and add-on cardholders.
Reduced foreign currency markup fee of 2% makes international spends more economical.
Comprehensive insurance benefits including Credit Shield cover and purchase protection.
Lifetime Free option for eligible Axis Bank Burgundy Salary Account holders.
The Burgundy variant offers an improved 5:4 reward point transfer ratio for travel.
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.
The Axis Bank ATLAS Credit Card does not offer any golf or insurance benefits.
The complex tiered reward structure and numerous spend exclusions can be confusing for users.
The card carries a significant joining and annual fee of ₹5,000 + GST.
A high foreign currency markup of 3.50% applies to international transactions.
Additional fees are levied for reward redemption and miles transfer to partner programs.
Cons
Key drawbacks and limitations.
High annual income requirement of ₹24 Lakhs makes it inaccessible for many applicants.
No golf benefits are explicitly listed in the main product details, unlike other premium cards.
Several benefits like movie BOGO offers and concierge services have been removed recently.
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.