Which card has a lower forex fee: Axis Bank Magnus Credit Card or HDFC Infinia Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: Axis Bank Magnus Credit Card or HDFC Infinia Credit Card?

Both cards have the same annual fee (₹12,500).

Which card offers better lounge access?

Axis Bank Magnus Credit Card: Unlimited domestic lounge. HDFC Infinia Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

Axis Bank Magnus Credit Card has higher base reward value (~5% vs ~0.83%).

Pairwise comparison Add another card →

Axis Bank Magnus vs HDFC Bank Infinia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank Magnus and the HDFC Bank Infinia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Magnus Axis Bank

Annual fee ₹12,500 Waivable at ₹25,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Infinia HDFC Bank

Annual fee ₹12,500 Waivable at ₹10,00,000 spend
Forex markup 2%
Domestic lounge Unlimited

Reward earning explained

Per card

Magnus

5 pts / ₹100 on General spend

Limited data

Infinia

5 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Magnus: ₹12,500 vs HDFC Bank Infinia: ₹12,500), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.

Magnus: Limited data Infinia: Limited data
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.

Magnus: Limited data Infinia: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.

Magnus: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Magnus has comparable evidence here. Estimated base reward value is ~5% on base spend.

Magnus: Limited data Infinia: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹12,500.

Magnus: Limited data Infinia: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Magnus: ~₹2,500/month at base rate
Infinia: ~₹420/month at base rate

Illustrative only, using current base rates before caps.

Field	Magnus Axis Bank	Infinia HDFC Bank
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
International lounge visits Only available for Magnus	4/year	Not specified
Forex / International Use
Forex markup	2%	2%
Fees
Annual fee	₹12,500	₹12,500
Joining fee	₹12,500	₹12,500
Fee waiver spend ₹25,00,000 vs ₹10,00,000	₹25,00,000	₹10,00,000
Rewards
Reward points (base spend) 5 pts/₹100 vs 5 pts/₹150	5 pts/₹100	5 pts/₹150
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.