6 EDGE Reward Points / ₹100
Strong data Pairwise comparison
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AXIS Magnus vs INDUSIND Avios Visa Infinite
Side-by-side comparison of the Axis Bank Magnus and the IndusInd Bank Avios Visa Infinite. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Magnus for lounge access.
Pick Avios Visa Infinite for spending abroad.
Avios Visa Infinite costs ₹2,500 less a year but waives only at Not offered spend, Magnus at ₹25,00,000.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹2,500/yr apart · waiver gates differMagnus ₹12,500 Waivable at ₹25,00,000 spendAvios Visa Infinite ₹10,000 Annual-fee waiver not offered
- Forex markup Forex markup outcome: Avios Visa Infinite wins. Avios Visa Infinite saves ~₹500 per ₹1L abroadMagnus 2%Avios Visa Infinite 1.5%
- Domestic lounge Domestic lounge outcome: Magnus wins. Magnus Unlimited Conditional · Domestic: Unlimited · requires ₹50,000 spend in the previous 3 calendar monthsAvios Visa Infinite 8/year (2 per quarter)
- Rewards Rewards outcome: tie. conservative base valueMagnus ~1.2%Avios Visa Infinite ~1.2%
Reward earning explained
1.5 pts / ₹100 · Up to 6 pts / ₹200 on international spend
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Magnus: ~₹600/month at base rate
- IndusInd Bank Avios Visa Infinite: ~₹600/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Magnus Axis Bank | Avios Visa Infinite IndusInd Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Unlimited vs 8/year (2 per quarter) | Unlimited | 8/year (2 per quarter) |
| International lounge visits Unlimited vs 2 per quarter | Unlimited | 2 per quarter |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 1.5% | 2% | 1.5% |
| Fees | ||
| Recurring annual fee ₹12,500 vs ₹10,000 | ₹12,500 | ₹10,000 |
| Annual-fee waiver ₹25,00,000 vs Not offered | ₹25,00,000 | Not offered |
| Interest-free period Only available for Magnus | Up to 50 days | Not specified |
| Monthly interest rate Only available for IndusInd Bank Avios Visa Infinite | Not specified | 3% / month |
| Late-payment charge Only available for Magnus | ₹500–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap · Fuel rewards excluded vs Surcharge waiver available · ₹500–₹10,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap · Fuel rewards excluded | Surcharge waiver available · ₹500–₹10,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 6 EDGE Reward Points / ₹100 vs 1.5 pts / ₹100 | 6 EDGE Reward Points / ₹100 | 1.5 pts / ₹100 |
| Conservative base value | ~1.2% | ~1.2% |
| Earn ceiling | Not stated | Not stated |
| 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
- Axis Bank Magnus Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- 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 siteIndusInd Bank Avios Visa Infinite
Verify with issuer , opens external site