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
Rs. 12,500 + GST
₹12,500 + GST
Renewal Fee
Rs. 9,999 + GST
Rs. 12,500 + GST
₹12,500 + GST
Spend Based Waiver
Annual membership fee waived off on annual spends of Rs. 12,00,000
Annual fee waived off on an expenditure of Rs. 25 lakhs in the preceding year.
Renewal Fee Waived on Spends of ₹10 Lakh
Foreign Transaction Fees
1.99% of the transaction amount
2%
2% + GST (~2.36%)
Interest Rate (APR)
3.75% Per Month (45% Per Annum)
3.0% per month (42.58% annually)
1.99% per month or 23.8% annualized
Rewards & Benefits
Welcome Bonus
40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint
Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels
Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.
Rewards Rate
4 Reward Points per Rs. 100 spent (reward rate of 1%)
12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.
5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%
Reward Type
Reward Points
Reward Points
Reward Points
Reward Redemption Fee
Nil
Nil
Travel & Lifestyle
Domestic Lounge Access
4 complimentary domestic lounge access under Visa/MasterCard domestic lounge program
Unlimited Free Domestic Airport Lounge Access
Unlimited Free Domestic Airport Lounge Access
International Lounge Access
Unlimited international airport lounge access with complimentary Dreamfolks lounge program membership
Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass
Unlimited Complimentary International Lounge Access for Primary and Add-On Cardholders Across the Globe with a Priority Pass
Travel Benefits
Complimentary Spa Access
Complimentary Airport Lounge Access, and Discounted Stays at Oberoi Hotels
Complimentary Priority Pass Membership
Dining & Movie Benefits
4 movie tickets from BookMyShow every month (max cap of Rs. 250 per ticket)
20% Discount at 4,000+ Restaurants Across India Under the Axis Dining Delights Program
1 + 1 Complimentary Buffet at ITC Hotels and Up to ₹750 With Swiggy Dineout
Golf Benefits
16 complimentary golf rounds each year (4 each quarter)
Not Applicable
Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India
Fuel Surcharge Waiver
1% fuel surcharge waived off at all fuel stations across India.
1% fuel surcharge waived off at all fuel stations across India
1% Fuel Surcharge Waiver (Up to ₹1,000 Each Statement Cycle)
Security & Other
Insurance Benefits
Travel insurance and air accidental cover is offered
Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.
Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh
Cash Advance Charges
2.50% of the withdrawn amount, subject to a minimum charge of Rs. 500
Nil
NIL (Interests charges applicable)
Ready to Choose?
Based on your comparison, select the credit card that best matches your spending habits and financial goals.