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Credit CardsComparisons

AU Bank Zenith+ Credit Card vs Axis Bank Magnus

A head-to-head comparison of AU Bank Zenith+ Credit Card and Axis Bank Magnus across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

AU Bank Zenith+ Credit Card

Super-Premium Lounge Access & International Travel

Annual Fee
₹4,999
Reward Rate
2 RP per ₹100 on travel & dining (~0.5% at standard redemption)
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PremiumCard B

Axis Bank Magnus

Frequent International Travelers

Annual Fee
₹12,500
Reward Rate
EDGE Rewards
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Feature comparison

FeatureAU BankAxis Bank
Annual Fee₹4,999 + GST (₹5,000 welcome voucher offsets year-1 fee; year-2+ waived on ₹8L annual spend)₹12,500 (Waived on ₹25L spend)
Reward Rate2 RP per ₹100 on travel & dining (~0.5% at standard redemption)EDGE Rewards
Best ForSuper-Premium Lounge Access & International TravelFrequent International Travelers
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankAxis Bank
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose AU Bank Zenith+ Credit Card if:

  • Lower annual fee (₹4,999 vs ₹12,500)
  • You spend heavily on domestic travel

Choose Axis Bank Magnus if:

    Full pros & cons

    AU Bank Zenith+ Credit Card

    What's good
    • 16 domestic lounge visits/year (4/quarter) + 16 international lounge visits/year via Priority Pass
    • 0.99% forex markup — one of the lowest on any Indian credit card
    • ₹5,000 luxury welcome voucher on activation — effectively makes year-1 fee-free
    • Airport meet-and-assist service on arrival and departure
    • 2 railway lounge visits/quarter (no spend trigger); ₹2 crore air accident insurance
    Watch out for
    • ₹8L annual spend required for fee waiver from year 2 — extremely high bar
    • Standard reward rate (~0.5% effective) is unimpressive for a ₹5K-fee card — reward earning is not the selling point
    • ₹99 + GST redemption fee per transaction reduces effective rewards value
    • Caution: the regular Zenith card underwent a major devaluation in January 2026 — ensure you apply for Zenith+, not the standard Zenith
    Apply Now

    Axis Bank Magnus

    What's good
    • Airport meet-and-greet concierge service across India
    • Excellent travel insurance coverage
    • Unlimited international lounge access
    Watch out for
    • Domestic lounge access is heavily spend-gated (₹50K in prior 3 months)
    • Monthly milestone bonus program eliminated in September 2023 — was the biggest value driver
    • EDGE Miles transfer ratios halved (5:4 → 5:2); Accor, Marriott, Qatar Airways removed as partners (April 2026)
    • Fee waiver requires very high ₹25L annual spend (excluding wallet, fuel, rent, utilities)
    • ~2% forex markup on international transactions — better than standard 3.5% but not zero-forex
    Apply Now
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