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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.

Features

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

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.

SBI AURUM 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.

Generous welcome benefit of 40,000 Reward Points (equivalent to ₹10,000).

Attractive milestone benefits offer premium brand vouchers like Tata CLiQ Luxury, Taj, and Apple.

Exclusive complimentary memberships to Club Marriott, WSJ, Mint, and the Angel Investor Network (IPV).

Extensive travel benefits with unlimited international and domestic lounge access, plus spa access.

Comprehensive insurance coverage for travel, accidental death, and fraud protection.

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.

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.

A 1% standard reward rate is basic for a super-premium card with such a high annual fee.

Discontinuation of valuable prior subscriptions like Amazon Prime, Zomato Gold, and Discovery Plus.

Being an invite-only card significantly limits its accessibility, even for eligible high-income applicants.

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.

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.

Ready to Choose?

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