Which card has a lower forex fee: Axis Bank Magnus Credit Card or Times Black ICICI Bank Credit Card?

Times Black ICICI Bank Credit Card has lower forex markup (1.49% vs 2%).

Which card has a lower annual fee: Axis Bank Magnus Credit Card or Times Black ICICI Bank Credit Card?

Axis Bank Magnus Credit Card has a lower annual fee (₹12,500 vs ₹20,000).

Which card offers better lounge access?

Axis Bank Magnus Credit Card: Unlimited domestic lounge access. Times Black ICICI Bank Credit Card: Unlimited domestic lounge + Unlimited international.

Which card has a higher base reward rate?

Times Black ICICI Bank Credit Card has higher base reward value (~2% vs ~1.2%).

Pairwise comparison Compare 3+ cards →

Axis Bank Magnus vs ICICI Bank Times Black Credit Cards – Fees, Lounge, Forex

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

Travel ICICI Bank Times Black Forex ICICI Bank Times Black Rewards ICICI Bank Times Black

Quick comparison

Three core metrics

Magnus Axis Bank

Annual fee ₹12,500 Waivable at ₹25,00,000 spend
Forex markup 2%
Domestic lounge Not specified

Times Black ICICI Bank

Annual fee ₹20,000 Waivable at ₹25,00,000 spend
Forex markup 1.49%
Domestic lounge Not specified

Reward earning explained

Per card

Magnus

6 pts / ₹100

Limited data

Times Black

2 pts / ₹100

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Magnus: ₹12,500 vs ICICI Bank Times Black: ₹20,000), forex markup (2% vs 1.49%), or lounge access (Not specified vs Not specified).

Travel ICICI Bank Times Black wins

ICICI Bank Times Black is better for travel

ICICI Bank Times Black is stronger here. ICICI Bank Times Black is cheaper for international spend (1.49% vs 2% forex).
Forex markup ICICI Bank Times Black wins

ICICI Bank Times Black is better for forex

ICICI Bank Times Black is stronger here. ICICI Bank Times Black has a lower forex markup (1.49% vs 2%).
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards ICICI Bank Times Black wins

ICICI Bank Times Black is better for rewards

ICICI Bank Times Black is stronger here. ICICI Bank Times Black conservative base value ~2% vs Axis Bank Magnus's ~1.2%.

Axis Bank Magnus

Confidence: Low (limited information available)

Verify with issuer

ICICI Bank Times Black

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Times Black ICICI Bank: ~₹1,000/month at base rate
Magnus: ~₹600/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Magnus Axis Bank	Times Black ICICI Bank
Lounge Access
Domestic lounge visits Missing for one or more cards	Not specified	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 1.49%	2%	1.49%
Fees
Annual fee ₹12,500 vs ₹20,000	₹12,500	₹20,000
Joining fee ₹12,500 vs ₹20,000	₹12,500	₹20,000
Fee waiver spend	₹25,00,000	₹25,00,000
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Points per ₹100 6 pts / ₹100 vs 2 pts / ₹100	6 pts / ₹100	2 pts / ₹100
Conservative base value ~1.2% vs ~2%	~1.2%	~2%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Magnus	₹0.2	Not specified

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.