SBI AURUM 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
Rs. 9,999 + GST
₹12,500 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Renewal Fee
Rs. 9,999 + GST
₹12,500 + GST
₹12,500 + Applicable Taxes (for Infinia Metal Edition)
Spend Based Waiver
Annual fee waived on achieving annual spends of Rs. 12,00,000 in previous year.
Annual fee is waived off on spends of ₹25 Lakhs in the preceding year (for Magnus Credit Card).
Spend ₹10 lakh or more in preceding 12 months to get renewal fee waived for the next year.
Foreign Transaction Fees
1.99% of the transaction amount.
2% on foreign transactions.
Lowest markup fee of 2% + GST (~2.36%) on all foreign currency transactions.
Interest Rate (APR)
3.75% per month (45% per annum).
3.0% per month (42.58% annually) on extended credit.
1.99% per month or 23.8% annualized on the due amount for revolving credit.
Rewards & Benefits
Welcome Bonus
40,000 Reward Points (worth ₹10,000) & 1-year memberships to Club Marriott, WSJ, Mint.
Receive a welcome gift voucher worth INR 12,500 from Luxe, Postcard Hotels, or Yatra.
Complimentary Club Marriott membership for the first year & 12,500 bonus Reward Points upon fee realization.
Rewards Rate
Earn 4 Reward Points for every Rs. 100 spent (1% reward rate).
Earn 12 RPs/₹200 on spends up to ₹1.5L, 35 RPs/₹200 above ₹1.5L. Up to 60 RPs/₹200 on Travel Edge.
Earn 5 Reward Points on every ₹150 retail spend, up to 10x on Smartbuy (up to 3.3% rate).
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
Rs. 99 plus applicable taxes per redemption request.
Nil
Nil.
Travel & Lifestyle
Domestic Lounge Access
4 complimentary domestic airport lounge access per quarter for primary & add-on cardholders.
Unlimited complimentary domestic airport lounge visits for cardholders (₹50K quarterly spend applies).
Unlimited complimentary airport lounge access in India for primary and add-on cardholders.
International Lounge Access
Unlimited international airport lounge access with Dreamfolks membership + 1 guest visit quarterly.
Unlimited international lounge access via Priority Pass for primary cardholders (4 guest visits annually).
Unlimited complimentary airport lounge access abroad via Priority Pass for primary and add-on cardholders.
Travel Benefits
Complimentary Spa access quarterly. Flight cancellation cover of up to Rs. 3,500/ticket.
Unlimited domestic & international lounge access. Exclusive offers on stays at Oberoi & Trident Hotels.
Unlimited lounge access, ITC hotel stay benefits, flight/hotel bookings via SmartBuy, and concierge.
Movie Benefits
4 complimentary BookMyShow movie tickets every month, each capped at Rs. 250.
Not Applicable
Not Applicable
Dining Benefits
Not Applicable
Enjoy up to 30% discount at over 4,000 restaurants across India under the Axis Dining Delights Program.
Up to 20-25% discounts on dining with Club Marriott & FLAT 10% EXTRA OFF via Swiggy Dineout.
Golf Benefits
16 complimentary golf rounds & 12 golf lessons per calendar year.
Not Applicable
Unlimited complimentary golf lessons and games at leading courses globally with 100% green fee waiver.
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations across India.
1% fuel surcharge waiver for transactions between ₹400 to ₹4,000, capped at ₹400 per month.
1% fuel surcharge waiver (₹400-₹1L transactions), max ₹1,000 per statement cycle.
Security & Other
Insurance Benefits
Travel insurance (₹1L flight delay/baggage) & Lost Card/Fraud Protection (₹10L).
Includes ₹5L Credit Shield, ₹2L Purchase Protection, Credit Liability & Lost/Delayed Baggage cover.
Accidental Air Death cover (₹3 Cr), overseas hospitalization (₹50L), Credit Shield (₹9L).
Cash Advance Charges
2.50% of withdrawn amount, minimum Rs. 500.
Nil (Interest charges are applicable on cash advances).
NIL. Interest charges are applicable.