6 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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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.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee Magnus ₹12,500 Waivable at ₹25,00,000 spendInfinia ₹12,500 Waivable at ₹10,00,000 spend
- Forex markup Magnus 2%Infinia 2%
- Domestic lounge Magnus UnlimitedInfinia Unlimited
Reward earning explained
Per card5 pts / ₹150 · Up to 25 pts / ₹150 on Amazon through HDFC SmartBuy
Strong dataPick based on what matters
4 dimensionsStart 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).
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Travel Tie Both cards are similar for travel
Forex markup is 2%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 2%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is unlimited.
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Rewards Tie Both cards are similar for rewards
Axis Bank Magnus conservative base value ~1.2% vs HDFC Bank Infinia's ~1%. HDFC Bank Infinia conservative base value ~1% vs Axis Bank Magnus's ~1.2%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Magnus: ~₹600/month at base rate
- Infinia: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | Magnus Axis Bank | Infinia HDFC Bank |
|---|---|---|
| Insurance — Air accident cover Only available for Infinia | Not specified | ₹3 crore |
| Insurance — Emergency medical cover Only available for Infinia | Not specified | ₹50 lakh |
| Insurance — Lost card liability cover Only available for Infinia | Not specified | ₹9 lakh |
| Insurance — Underwriter Only available for Infinia | Not specified | Insured by HDFC ERGO General Insurance Company Limited |
| Lounge Access | ||
| Domestic lounge visits | Unlimited | Unlimited |
| International lounge visits | Unlimited | Unlimited |
| Forex / International Use | ||
| Forex markup | 2% | 2% |
| Fees | ||
| Recurring annual fee | ₹12,500 | ₹12,500 |
| Annual-fee waiver ₹25,00,000 vs ₹10,00,000 | ₹25,00,000 | ₹10,00,000 |
| Late-payment charge Only available for Infinia | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400+ transactions · ₹1,000/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 6 EDGE Reward Points / ₹100 vs 5 pts / ₹150 | 6 EDGE Reward Points / ₹100 | 5 pts / ₹150 |
| Conservative base value ~1.2% vs ~1% | ~1.2% | ~1% |
| Earn ceiling Not stated vs 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend | Not stated | 15,000 points per month; at 25 pts / ₹150, this lane reaches the cap at ₹90,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1 | ₹0.2 | ₹1 |
| Point validity Only available for Infinia | Not specified | 3 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank Magnus
Verify with issuer , opens external siteHDFC Bank Infinia
Verify with issuer , opens external site