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Axis Bank Magnus Credit Card VS BOBCARD Tiara Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

BOBCARD Tiara Credit Card at ₹2,499 + GST offers 15 RP/₹100 (3.75%) on dining, travel and international spends with unlimited domestic lounge access, tailored with women-focused lifestyle memberships (Swiggy One, Fitpass Pro). Axis Bank Magnus Credit Card costs ₹12,500 + GST but adds unlimited international lounge access, a 3rd-night-free hotel benefit at Oberoi/Trident, and a ₹12,500 welcome voucher. Tiara is the accessible choice for strong dining/travel rewards at low cost; Magnus is for high spenders who want unlimited global lounge access and 5-star hotel perks and can offset the fee with ₹25L annual spend.

Axis Bank Magnus Credit Card
Axis Bank Magnus Credit Card
BOBCARD Tiara Credit Card
BOBCARD Tiara Credit Card

Fees & Charges

Joining Fee₹12,500 + GST
Joining Fee₹2,499 + GST
Renewal Fee₹12,500 + GST
Renewal Fee₹2,499 + GST
Spend Based WaiverAnnual membership fee waived on expenditure of ₹25 Lakhs or more in the preceding anniversary year (₹30 Lakhs for Burgundy variant).
Spend Based WaiverJoining fee waived on ₹25,000 spend in 60 days. Annual fee waived on ₹2.5 Lakh spend in a year.
Foreign Transaction Fees2% of the total transaction amount.
Foreign Transaction Fees2%
Interest Rate (APR)3.0% per month (42.58% annually) on extended credit.
Interest Rate (APR)3.75% Per Month (45% Per Annum)

Rewards & Benefits

Welcome BonusChoose any one gift voucher worth ₹12,500 from Luxe, Yatra, or Postcard Hotels.
Welcome BonusComplimentary Swiggy One, Amazon Prime/Disney Hotstar, Gaana Plus, Women's Health Package. Fee waiver.
Rewards Rate12 EDGE RPs per ₹200 on retail spends up to ₹1.5L/month, then 35 RPs. 60 RPs per ₹200 on Travel EDGE Portal.
Rewards RateEarn 15 RP (5X) per ₹100 on Dining, Travel, International Spends (capped). 3 RP per ₹100 on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge AccessUnlimited complimentary domestic airport lounge access (spend ₹50,000 in preceding 3 months). 4 complimentary guest visits annually.
Domestic Lounge AccessUnlimited domestic lounge access. Requires ₹75,000 spend in previous quarter (₹40,000 from Jan 2025).
International Lounge AccessUnlimited complimentary international airport lounge access with Priority Pass membership. 4 complimentary guest visits annually.
International Lounge AccessThis card offers no international airport lounge access.
Travel BenefitsUnlimited complimentary domestic and international airport lounge access. Discounted stays at Oberoi and Leela Palace Hotels.
Travel BenefitsAccelerated 15 RP (5X) per ₹100 on Travel. Low 2% Forex markup. Unlimited domestic lounge access (spend based).
Movie Benefits
Movie Benefits
Flat ₹250 off on 2 movie/non-movie tickets with BookMyShow, available quarterly.
Dining Benefits15% discount (up to ₹1,000 via Eazydiner) at over 4,000 restaurants under Axis Dining Delights.
Dining BenefitsAccelerated 15 Reward Points (5X) per ₹100 spent on Dining. Complimentary Swiggy One 3-month membership.
Golf Benefits4 complimentary rounds of green fees per calendar year (max 1 per month) via Mastercard World Program.
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400 and ₹4,000. Max waiver ₹400 per month.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹400-₹5,000, capped at ₹250 per cycle.

Security & Other

Insurance BenefitsCredit Shield protection worth ₹5 Lakh, Purchase protection worth ₹2 Lakh, Lost/Delayed Baggage coverage of $500.
Insurance BenefitsZero Liability on Lost Card.
Cash Advance ChargesNil (interest charges are applicable).
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis Bank Magnus Credit Card

BOBCARD Tiara Credit Card

Who is it for?

The Axis Bank Magnus Credit Card is a super-premium offering designed for high-income individuals seeking a luxurious lifestyle. It provides extensive travel benefits, including unlimited domestic and international airport lounge access, and a competitive 2% foreign currency markup. Cardholders enjoy a robust rewards program with accelerated earnings on travel and dining discounts. With comprehensive insurance and an annual fee waiver based on spending, it's ideal for those who frequently travel and spend big.

Who is it for?

The BOBCARD Tiara Credit Card is a premium offering exclusively designed for women, empowering their journeys with tailored benefits. It provides accelerated 5X Reward Points on dining, travel, and international spends, coupled with a competitive low 2% Forex markup. Cardholders enjoy complimentary memberships to Swiggy One, Amazon Prime/Disney Hotstar, and Gaana Plus, alongside unique women's health benefits. This card is ideal for modern women seeking a comprehensive financial tool that blends high rewards, lifestyle perks, and travel advantages.

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.

Highly competitive 2% Forex markup charge, lower than most credit cards in the market.

Accelerated reward points on international spends benefit frequent international travelers.

Offers a high effective reward rate of 3.75% on dining and travel spends.

Wide array of lifestyle benefits including shopping discounts, entertainment, and health perks.

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.

Despite international benefits, the BOBCARD Tiara does not offer international airport lounge access.

Domestic airport lounge access is conditional on meeting a minimum spending requirement.

Reward points on accelerated categories and UPI transactions are capped per statement cycle.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis Bank Magnus Credit Card(opens in new tab)Apply for BOBCARD Tiara Credit Card(opens in new tab)