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4.4/ 53 cards selected · tap any row to highlight
Trending matchups
Infinia Metal Credit Card
HDFC Bank
Magnus Credit Card
Axis Bank
Regalia Gold Credit Card
HDFC Bank
- CardCheck Score
- 85Best
- 84
- 82
- Rating Verdict
- Excellent
- Excellent
- Excellent
- Reward Power (35%)
- 35/35
- 34/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- 18/25
- Lounge & Travel (20%)
- 20/20
- 20/20
- 18/20
- Forex & Access (20%)
- 12/20
- 12/20
- 12/20
- Bank
- HDFC Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Visa
- Mastercard
- Card type
- Premium
- Premium
- Premium
- Best for
- Travel and lifestyle benefits
- Travel & Lifestyle
- Travel rewards
- Joining fee
- ₹12,500
- ₹12,500
- ₹2,500Best
- Annual fee
- ₹12,500
- ₹12,500
- ₹2,500Best
- Fee waiver
- ₹10,00,000
- ₹25,00,000
- ₹4,00,000Best
- Interest-free days
- 50
- 50
- 50
- APR (min)
- 23.88%Best
- 36%
- 43.2%
- APR (max)
- 42%
- 36%Best
- 45%
- Late payment fee
- —
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- —
- 2.5%
- Reward type
- points
- points
- points
- Min rate
- 3.33%Best
- 1.2%
- 1.33%
- Max rate
- 10%Best
- 6%
- 6.67%
- Points / ₹100
- 3.33
- 6Best
- 2.67
- Point value
- ₹1
- ₹0.2
- ₹0.5
- Monthly cap
- —
- ₹1,50,000
- —
- Domestic lounge / qtr
- Unlimited
- Unlimited
- 3
- Lounge spend criteria
- No spend condition
- ₹50,000 spend req.
- ₹60,000 spend in preceding calendar quarter
- Intl lounge / year
- —
- —
- 6
- Priority Pass
- DreamFolks
- Forex markup
- 2%
- 2%
- 2%
- Fuel surcharge waiver
- Metal card
- Contactless
- UPI linked
- Invite only
| Attribute ↓ | |||
|---|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | |||
| CardCheck Score | 85Best | 84 | 82 |
| Rating Verdict | Excellent | Excellent | Excellent |
| Reward Power (35%) | 35/35 | 34/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 | 18/25 |
| Lounge & Travel (20%) | 20/20 | 20/20 | 18/20 |
| Forex & Access (20%) | 12/20 | 12/20 | 12/20 |
02—Basic Info Differences highlighted | |||
| Bank | HDFC Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa | Mastercard |
| Card type | Premium | Premium | Premium |
| Best for | Travel and lifestyle benefits | Travel & Lifestyle | Travel rewards |
03—Fees Differences highlighted | |||
| Joining fee | ₹12,500 | ₹12,500 | ₹2,500Best |
| Annual fee | ₹12,500 | ₹12,500 | ₹2,500Best |
| Fee waiver | ₹10,00,000 | ₹25,00,000 | ₹4,00,000Best |
| Interest-free days | 50 | 50 | 50 |
04—Interest Differences highlighted | |||
| APR (min) | 23.88%Best | 36% | 43.2% |
| APR (max) | 42% | 36%Best | 45% |
| Late payment fee | — | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | — | 2.5% |
05—Rewards Differences highlighted | |||
| Reward type | points | points | points |
| Min rate | 3.33%Best | 1.2% | 1.33% |
| Max rate | 10%Best | 6% | 6.67% |
| Points / ₹100 | 3.33 | 6Best | 2.67 |
| Point value | ₹1 | ₹0.2 | ₹0.5 |
| Monthly cap | — | ₹1,50,000 | — |
06—Travel & Lounge Differences highlighted | |||
| Domestic lounge / qtr | Unlimited | Unlimited | 3 |
| Lounge spend criteria | No spend condition | ₹50,000 spend req. | ₹60,000 spend in preceding calendar quarter |
| Intl lounge / year | — | — | 6 |
| Priority Pass | |||
| DreamFolks | |||
07—Forex & Fuel Differences highlighted | |||
| Forex markup | 2% | 2% | 2% |
| Fuel surcharge waiver | |||
08—Features Differences highlighted | |||
| Metal card | |||
| Contactless | |||
| UPI linked | |||
09—Eligibility Differences highlighted | |||
| Invite only | |||
| Rows won | 04of 09 | 02of 09 | 03of 09 |
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CardCheck Comparison Index & Cardholder Ratings
Rated by verified cardholders and updated daily with zero sponsored placement bias. All fee waivers, lounge quotas, and net reward earnings are computed using official RBI MITC disclosures.
Based on 111 verified cardholder ratings
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Frequently Asked Questions: Infinia Metal Credit Card vs Magnus Credit Card
Which is better: Infinia Metal Credit Card or Magnus Credit Card?
Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 84/100 (Excellent) for Magnus Credit Card (a lead of +1 points). Infinia Metal Credit Card gains its scoring lead primarily through reward potential (35 vs 34) while tying on fee value & ROI and lounge & travel privileges and forex & terms.
How do annual fees and fee waiver spend rules compare?
Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, Magnus Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹25 Lakh.
How do the reward rates and cashback compare between Infinia Metal Credit Card and Magnus Credit Card?
Infinia Metal Credit Card offers a base reward rate of 3.33% and up to 10% on accelerated partner categories. Meanwhile, Magnus Credit Card offers a base rate of 1.2% and up to 6% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
Which card has better airport lounge access: Infinia Metal Credit Card or Magnus Credit Card?
Infinia Metal Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges with no prior spend requirement. On the other hand, Magnus Credit Card provides unlimited complimentary domestic airport lounge access and complimentary Priority Pass for international lounges (requires ₹50,000 spend in the previous period to unlock).
Which card is better for international foreign currency spends?
Infinia Metal Credit Card levies a foreign currency markup fee of 2%, while Magnus Credit Card charges 2%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
Is CardCheck's comparison data unbiased and verified against official bank MITC?
Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).