Magnus Credit Card vs Infinia Metal Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹12,500
Max Reward6%
HDFC BankScoreExcellent
Annual Fee₹12,500
Max Reward10%
Infinia Metal Credit Card leads overall with a CardCheck Score of 85/100 (+3 pts over Magnus Credit Card).
4-Pillar Head-to-Head Breakdown
Magnus vs InfiniaReward Power
35%Magnus34/35
Infinia35/35
Infinia Wins
Fee Value & ROI
25%Magnus18/25
Infinia18/25
Tie (18/25)
Lounge & Travel
20%Magnus18/20
Infinia20/20
Infinia Wins
Forex & Access
20%Magnus12/20
Infinia12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 82
- 85Best
- Rating Verdict
- Excellent
- Excellent
- Reward Power (35%)
- 34/35
- 35/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 20/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- High-spend travellers — best-in-class miles earning + unlimited lounge
- Travel and lifestyle benefits
03—Fees
- Joining fee
- ₹12,500
- ₹12,500
- Annual fee
- ₹12,500
- ₹12,500
- Fee waiver
- ₹15,00,000
- ₹10,00,000Best
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 52.86%
- 42%Best
- APR (max)
- 52.86%
- 42%Best
- Late payment fee
- —
- ₹50,000
05—Rewards
- Reward type
- miles
- points
- Min rate
- 1.2%
- 3.3%Best
- Max rate
- 6%
- 10%Best
- Points / ₹100
- 12
- —
- Point value
- ₹1
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 8
- Unlimited
- Intl lounge / year
- 12
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 2%
- 2%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 21
- Min income / month
- ₹1,50,000
- ₹3,00,000
- Min CIBIL
- 750Best
- 800
- Invite only
Rows won
01of 07
06of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 82 | 85Best |
| Rating Verdict | Excellent | Excellent |
| Reward Power (35%) | 34/35 | 35/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 20/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | High-spend travellers — best-in-class miles earning + unlimited lounge | Travel and lifestyle benefits |
03—Fees Differences highlighted | ||
| Joining fee | ₹12,500 | ₹12,500 |
| Annual fee | ₹12,500 | ₹12,500 |
| Fee waiver | ₹15,00,000 | ₹10,00,000Best |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 52.86% | 42%Best |
| APR (max) | 52.86% | 42%Best |
| Late payment fee | — | ₹50,000 |
05—Rewards Differences highlighted | ||
| Reward type | miles | points |
| Min rate | 1.2% | 3.3%Best |
| Max rate | 6% | 10%Best |
| Points / ₹100 | 12 | — |
| Point value | ₹1 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 8 | Unlimited |
| Intl lounge / year | 12 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 2% | 2% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 21 |
| Min income / month | ₹1,50,000 | ₹3,00,000 |
| Min CIBIL | 750Best | 800 |
| Invite only | ||
| Rows won | 01of 07 | 06of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Magnus Credit Card | Infinia Metal Credit Card |
|---|---|---|
| CardCheck Score | 82/100Excellent | 85/100Excellent |
| Annual Fee | ₹12,500 | ₹12,500 |
| Fee Waiver Spend | ₹15L/yr | ₹10L/yr |
| Max Reward Potential | 6% | 10% |
| Domestic Lounge Access | 8 / quarter | Unlimited |
| International Lounge | 12 / year | Priority Pass (Select) |
| Forex Markup Fee | 2% | 2% |
Choose Magnus Credit Card if:
Your spending centers around high-spend travellers — best-in-class miles earning + unlimited lounge and you want direct partner rewards with Axis Bank.
Choose Infinia Metal Credit Card if:
Your spending aligns with travel and lifestyle benefits and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Magnus Credit Card vs Infinia Metal Credit Card
- Which is better: Magnus Credit Card or Infinia Metal Credit Card?
- Infinia Metal Credit Card holds a higher overall rating with a CardCheck Score of 85/100 (Excellent) compared to 82/100 (Excellent) for Magnus Credit Card (a lead of +3 points). Infinia Metal Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- Magnus Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹15 Lakh for renewal fee waiver. In comparison, Infinia Metal Credit Card charges an annual fee of ₹12,500 with an annual spend threshold of ₹10 Lakh.
- How do the reward rates and cashback compare between Magnus Credit Card and Infinia Metal Credit Card?
- Magnus Credit Card offers a base reward rate of 1.2% and up to 6% on accelerated partner categories. Meanwhile, Infinia Metal Credit Card offers a base rate of 3.3% and up to 10% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Magnus Credit Card or Infinia Metal Credit Card?
- Magnus Credit Card provides 8 domestic lounge visit(s) per quarter and 12 international lounge visit(s)/yr. On the other hand, Infinia Metal Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- Magnus Credit Card levies a foreign currency markup fee of 2%, while Infinia Metal 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).