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
₹9,999 + GST
₹12,500 + GST
₹12,500 + GST
Renewal Fee
₹9,999 + GST
₹12,500 + GST
₹12,500 + GST
Spend Based Waiver
Annual fee waived on achieving annual spends of ₹12,00,000 in the previous anniversary year.
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
1.99% of the transaction amount.
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 (45% per annum).
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
40,000 AURUM Reward Points (₹10,000), plus Club Marriott, WSJ, Mint, and IPV memberships.
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 4 ARP on every ₹100 non-fuel spend (1 ARP = ₹0.25), a 1% reward rate.
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 + applicable taxes per redemption request.
Nil
Nil
Travel & Lifestyle
Domestic Lounge Access
4 complimentary domestic lounge accesses per quarter for primary & add-on cardholders + spa access.
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
Unlimited international lounge access via Dreamfolks program, with 1 complimentary guest visit per quarter.
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
Flight cancellation cover of ₹3,500 (refundable) / ₹3,000 (non-refundable), up to 2 times yearly.
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
4 complimentary BookMyShow movie tickets (₹250 each) every month, max 2 tickets per booking.
Not Applicable
Dining Benefits
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
16 complimentary golf rounds (4/quarter) and 12 golf lessons per calendar year.
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% waiver (₹500-₹4,000 transactions, max ₹250 waiver/cycle) across all petrol pumps.
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
₹1 Lakh travel insurance, ₹3.5 Crore air accidental death, ₹10 Lakh lost card & fraud protection.
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
2.50% of withdrawn amount, minimum charge of ₹500.
Nil (Interest charges applicable).
NIL, but interest charges are applicable from the date of cash advance.