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HDFC Bank INFINIA Metal Credit Card vs Axis Bank Magnus 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.

Features

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

Fees & Charges

Joining Fee
₹12,500 + GST
₹12,500 + GST
Renewal Fee
₹12,500 + GST
₹12,500 + GST
Spend Based Waiver
Renewal fee waived on ₹10 lakhs or more spend in preceding 12 months for Metal Edition.
Annual fee of ₹12,500 + Taxes waived on spending ₹25 Lakhs in the preceding year.
Foreign Transaction Fees
2% + GST (~2.36%) on all foreign currency transactions.
Reduced mark-up fee of 2% on foreign transactions.
Interest Rate (APR)
1.99% per month (23.8% annualized) on the due amount.
3.0% per month (42.58% annually) on extended credit.

Rewards & Benefits

Welcome Bonus
Complimentary Club Marriott membership for 1st year & 12,500 bonus Reward Points on activation.
Choose any one gift voucher worth INR 12,500 from Luxe, The Postcard Hotels, or Yatra.
Rewards Rate
Earn 5 RP for ₹150 retail spends; up to 10X RP on SmartBuy travel & shopping.
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).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil

Travel & Lifestyle

Domestic Lounge Access
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
Unlimited complimentary visits to select airport lounges in India for primary and add-on cardholders.
International Lounge Access
Unlimited complimentary airport lounge access globally via Priority Pass for primary & add-on.
Unlimited complimentary international lounge visits for primary cardholder with Priority Pass, plus 4 guest visits.
Travel Benefits
Complimentary Club Marriott & ITC Hotels stay offers; Redeem RP for flights/airmiles on SmartBuy.
Unlimited lounge access (domestic & intl), complimentary 3rd-night stay & upgrades at Oberoi/Trident Hotels.
Movie Benefits
Not Applicable
Dining Benefits
Complimentary Club Marriott membership; 1+1 buffet at ITC; FLAT 10% EXTRA OFF on Swiggy Dineout.
Upto 30% discount (up to ₹500) at over 4000 restaurants across India via Axis Dining Delights.
Golf Benefits
Unlimited complimentary golf lessons and games at leading courses across India and worldwide.
4 complimentary green fees & 12 golf lessons per year for World Mastercard variant holders.
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹1,00,000, capped at ₹1,000 per statement cycle.
1% fuel surcharge waiver (₹400-₹4000 transactions), max waiver ₹400 per month.

Security & Other

Insurance Benefits
Accidental Air Death ₹3 Cr, Emergency Overseas Hospitalization ₹50 L, Credit Shield ₹9 L.
Credit Shield ₹5L, Purchase protection ₹2L, Credit Liability coverage, Lost/Delayed Baggage $500.
Cash Advance Charges
NIL, but interest charges are applicable from the date of cash advance.
Nil (Interest charges applicable).

HDFC Bank INFINIA Metal Credit Card

Axis Bank Magnus Credit Card

Who is it for?

Who is it for?

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.

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.

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.

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.

Ready to Choose?

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