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Credit CardsComparisons

Axis Bank Magnus vs HDFC Infinia Metal Edition

A head-to-head comparison of Axis Bank Magnus and HDFC Infinia Metal Edition across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

Axis Bank Magnus

Frequent International Travelers

Annual Fee
₹12,500
Reward Rate
EDGE Rewards
Apply Now Read full review →
PremiumCard B

HDFC Infinia Metal Edition

High Net-Worth Individuals

Annual Fee
₹12,500
Reward Rate
Up to 33% via SmartBuy (5X points)
Apply Now Read full review →

Feature comparison

FeatureAxis BankHDFC Infinia
Annual Fee₹12,500 (Waived on ₹25L spend)₹12,500 (Waived on ₹10L spend; retention now requires ₹18L spend or ₹50L relationship value)
Reward RateEDGE RewardsUp to 33% via SmartBuy (5X points)
Best ForFrequent International TravelersHigh Net-Worth Individuals
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAxis BankHDFC Infinia
Domestic travel
International travel
Airport lounge access

Quick verdict

Choose Axis Bank Magnus if:

    Choose HDFC Infinia Metal Edition if:

    • You spend heavily on domestic travel

    Full pros & cons

    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

    HDFC Infinia Metal Edition

    What's good
    • Unlimited domestic and international lounge access for all add-on members
    • Best-in-class travel rewards via HDFC SmartBuy (5X points on flights & hotels)
    • Comprehensive concierge and lifestyle benefits
    Watch out for
    • Strictly invite-only — no open application
    • Very high ₹10L annual spend criterion for fee waiver
    • Redemption requests capped at 5/month (February 2026) — limits booking flexibility for high-spend cardholders
    • From April 2026, requires ₹18L annual spend or ₹50L relationship value to retain the card
    Apply Now
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