Axis Bank Magnus Credit Card vs HDFC Infinia Metal Edition Credit Card: Which Earns You More? (2026)
Most comparisons show a spec sheet. This one does the maths: set your monthly spend and pick how you redeem points to see the honest net annual value in ₹ for each card — caps, exclusions, fee waivers and milestones applied. Card details verified 2026-07.
Your monthly spend
₹50,000/moMost cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1HDFC Bank · fee ₹12,500
2Axis Bank · fee ₹12,500
Smart verdict
Get the HDFC Infinia Metal Edition Credit Card — it earns you +₹1,112/yr over the Axis Bank Magnus Credit Card, mostly from your travel (flights/hotels) spend.
It flips to the Axis Bank Magnus Credit Card if that drops to about ₹0/mo.
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Axis Bank Magnus Credit Card vs HDFC Infinia Metal Edition Credit Card at different spend levels
- At ₹25,000/month, HDFC Infinia Metal Edition Credit Card nets -₹8,362/yr vs Axis Bank Magnus Credit Card at -₹8,690/yr — a ₹328 edge.
- At ₹50,000/month, HDFC Infinia Metal Edition Credit Card nets -₹3,384/yr vs Axis Bank Magnus Credit Card at -₹4,496/yr — a ₹1,112 edge.
- At ₹1,00,000/month, HDFC Infinia Metal Edition Credit Card nets ₹20,391/yr vs Axis Bank Magnus Credit Card at ₹6,232/yr — a ₹14,159 edge.
Worked examples use a typical category split at each spend level and cashback-mode point valuation. Your split changes the result.
Full specification comparison
| Feature | Axis Bank Magnus Credit CardAxis Bank | HDFC Infinia Metal Edition Credit CardHDFC Bank |
|---|---|---|
| Annual fee | ₹12,500/yr | ₹12,500/yr |
| Fee waiver | Spend ₹25,00,000/yr | Spend ₹10,00,000/yr |
| Base reward | 6 pts / ₹100 | 3.33 pts / ₹100 |
| Top categories | 30x travel, 17.5x other | 33.33x travel, 3.33x insurance, 3.33x groceries |
| Redemption | Moderate | Easy |
| Point expiry | 36 months | 36 months |
| Lounge access | 99 dom · 99 intl⚠ Unlimited domestic lounge access (requires min ₹50,000 spend in previous 3 calendar months, since May 2024). Unlimited international via Priority Pass. 4 guest visits/year (reduced from 8, since Apr 2024). | Unlimited dom · Unlimited intl⚠ Unlimited complimentary global airport lounge access for primary and add-on cardholders. |
| Forex markup | 2% | 2% |
| Fuel surcharge | 1% waiver, up to ₹400/mo | 1% waiver, up to ₹1,000/mo |
| Stated income | ₹24L net annual income (salaried or ITR) | Invite only. No stated income threshold on official page. |
| Recent devaluations |
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Frequently asked questions
Which is better, Axis Bank Magnus Credit Card or HDFC Infinia Metal Edition Credit Card?
At a typical ₹50,000/month spend (cashback redemption), HDFC Infinia Metal Edition Credit Card comes out ahead by about ₹1,112 per year, driven mostly by travel (flights/hotels) spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, Axis Bank Magnus Credit Card or HDFC Infinia Metal Edition Credit Card?
Axis Bank Magnus Credit Card earns 6 pts/₹100 as a base, while HDFC Infinia Metal Edition Credit Card earns 3.33 pts/₹100. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for Axis Bank Magnus Credit Card and HDFC Infinia Metal Edition Credit Card?
Axis Bank Magnus Credit Card: ₹12,500 + GST per year, waived on ₹25,00,000 annual spend. HDFC Infinia Metal Edition Credit Card: ₹12,500 + GST per year, waived on ₹10,00,000 annual spend.
Do Axis Bank Magnus Credit Card and HDFC Infinia Metal Edition Credit Card earn rewards on rent, fuel and utilities?
Like most Indian cards, several everyday categories are excluded. Axis Bank Magnus Credit Card excludes fuel, rent, insurance, utilities; HDFC Infinia Metal Edition Credit Card excludes fuel, rent. The calculator shows these as ₹0 earners so your net value stays honest.
Is Axis Bank Magnus Credit Card ever the better pick over HDFC Infinia Metal Edition Credit Card?
Yes. Holding other spends constant, Axis Bank Magnus Credit Card overtakes once your travel (flights/hotels) spend falls to roughly ₹0/month. Below that point the fee and base-rate maths flip in its favour.