HDFC Infinia credit card is among the top recommended super premium credit cards which offer their users a bundle of benefits and was launched on July 12th, 2013. But wait, with time there came a new player in the market to give a tough competition to the Infinia credit card.
Axis Magnus credit card, was launched in 2019, and with time has become one of the best to consider for earning great rewards and services on it in the premium card category. The credit card has various Axis Bank’s services and features on it.
So, let’s start with our exploration of which one among the two, Axis Magnus vs HDFC Infinia, has more to offer!
Comparison: Axis Magnus vs HDFC Infinia
The comparison between these two most talked about credit cards takes in several factors like the fee structure of both the cards, the rewarding structure, airport lounge benefits, and also the other factor analysis.
Both the credit cards charge the same amount as their joining fee, and have different bonuses as their welcome gift.
Fee Structure Differences
The one fact that remains common in Axis Magnus vs HDFC Infinia, is that both these cards have the same joining fee, however differ on other aspects.
| Factors | Axis Magnus Credit Card | HDFC Infinia Credit Card |
| Joining fee | Rs.12,500+taxes | Rs.12,500+taxes |
| Annual fee | Rs.12,500+taxes | Rs.12,500+taxes |
| Annual fee waiver | This one has a higher annual fee waiver than Infinia credit card. Annual fee is waived off on spending Rs.25 lakh annually. | The fee is waived off if the annual spend is Rs.10 lakh. |
| Welcome benefits | It offers a voucher worth Rs.12,500. The voucher can be chosen between a Luxe gift card, or the Postcard Hotels gift voucher or a gift voucher from Yatra. | This one offers welcome benefits like Club Marriott Membership for the first year and upto 12,500 reward points if the joining fee is paid off. |
| Renewal fee benefit | Get 1 domestic flight ticket and gift vouchers worth Rs.12,500. | The HDFC Infinia credit card offers 12,500 reward points if the renewal fee is paid off. |
Axis Magnus credit card has a higher annual fee waiver of Rs.25 lakh annually, than that of Infinia credit card which has Rs.10 lakh as its annual fee waiver amount. Both the credit card offers memberships as their welcome gift.
Reward Structure Comparison
Both the cards offer amazing as well as excellent rewarding criteria. The cardholders are provided with various opportunities where they earn great rewards from these credit cards.
| Factors | Axis Magnus Credit Card | HDFC Infinia Credit Card |
| Rewarding pattern | Enjoy 12 reward points on every Rs.200 spent. | Get upto 5 reward points on each Rs.150 spent. |
| Extra rewards | Get upto 35 EDGE reward points for every Rs.200 spent above Rs.1.5 lakh. | Get 10X reward points on travel and shopping spends on Smartbuy. |
| Flight rewards | Enjoy upto 60 reward points on every Rs.200 spent on flight bookings and essentials. | Get 25 reward points per Rs.100 spent on flight bookings. |
| Milestone reaching benefits | Get 25,000 EDGE reward points on spending Rs.1 lakh in a month. | No rewards |
| Grocery transaction rewards | No rewards | Get a maximum of 2,000 reward points on grocery transactions per calendar year. |
| Rewards on rent and government services | Enjoy upto 12 reward points on every Rs.200 spent. | No rewards |
| Wallet and fuel rewards | No rewards | No rewards |
From the above table, we can clearly note that both the credit cards have different approaches for their reward criteria. The Axis Magnus credit card offers upto 25 EDGE reward points on reaching the spending milestones while in HDFC Infinia credit card, there is as such no service available.
Not only this, the other most notable factor among the rest is that, where Infinia credit cards offer reward points on grocery transactions, the Axis Magnus credit card offers as such no service.
Travel & Airport Lounge Benefits
| Factors | Axis Magnus Credit Card | HDFC Infinia Credit Card |
| Travel benefits | Get a BOGO offer on movie tickets booked through BookMyShow. | Get a complimentary 2+1 night stay at ITC hotels, and also a Club Marriott membership. |
| Enjoy complimentary travel and medical concierge services. | Get a 1+1 buffet on weekends at participating ITC hotels. | |
| Offers various travel related insurance covers and credit card shield cover. | Get an accidental insurance cover of upto Rs.3 lakhs. | |
| Airport lounge benefits | Enjoy unlimited complimentary airport lounge access and access to 8 complimentary international airport lounges every year. | Enjoy unlimited access to airport lounges, both domestic and international, by having a Priority Pass Membership. It is applicable for both the primary card holders as well as for add-on cardholders. |
Both the cards have an unlimited access to airport lounges, however, in Axis Magnus credit card, it offers 8 complimentary access to international airport lounges every year, while Infinia offers unlimited access by just having a Priority Pass membership.
Comparative Analysis: Axis Magnus vs HDFC Infinia
| Factors | Axis Magnus Credit Card | HDFC Infinia Credit Card |
| Eligibility criteria | This credit card also required individuals with good income and spending’s but it has lesser requirements than Infinia credit card. | Being a high super premium credit card, it requires individuals with high income and has higher spendings. |
| Reward redemption options | Here the preferred reward redemption option is AirMiles. It has an extensive list of transfer partners. | Infinia reward points can directly be used for booking flights. Also the points can be redeemed on product vouchers, hotel bookings, partner stores, etc. |
| Games benefits | No such service is there. | This one offers you unlimited access to complimentary golf rounds at selected golf courses within and outside India. |
| Travel perks | The credit card provides an amazing set of offerings, that ranges from travel insurance coverage to lounge access and also provides exclusive discounts at selected locations. | This one opens your way towards the luxurious and premium benefits for travel, with its complementary rounds of golf games, global lounge access, and exciting travel and hotel discounts. |
Both the credit cards offer amazing travel and airport lounge access perks and services, however, in Infinia credit cards the user gets an additional benefit on playing golf. On the other hand, Axis Magnus credit does not provide such service.
Key Takeaways: Axis Magnus vs HDFC Infinia Credit Cards
| Key Takeaway | Explanation |
| Unlimited access | Both the cards offer unlimited access to airport lounges. In Axis Magnus credit card, the cardholders get access to 8 complimentary international lounges each year, while unlimited access to domestic lounges.While Infinia provides unlimited access airport lounges within and outside India. |
| Forex markup fee | Both the credit cards charge a low forex markup fee of 2%, but Magnus offers free lounge visits to guests as well. |
| Higher spenders choice | For higher spenders, Infinia credit card emerges as a top choice as it offers more credit limit and premium benefits. Axis magnus too offers premium benefits, but are lesser than that of Infinia credit card. |
| Annual fee waiver | Axis Magnus charges a higher annual fee waiver on spending Rs.25 lakh annually. While Infinia charges only Rs.10 lakh as their annual fee waiver. |
| Additional service | Axis Magnus provides extended benefits like movie tickets bookings, etc., however in comparison to Infinia it does not offer facilities like golf games access, etc. |
Summing Up: Axis Magnus vs HDFC Infinia Credit Cards
In Axis Magnus credit card the user gets extra EDGE rewards points on reaching the spending milestones, while in HDFC Infinia credit card, it does not offer such service.
Note: Want to know the difference between the top HDFC credit cards? Well, to know more about it, visit our article,
HDFC Infinia credit card is among the top premium cards in the market, and Axis Magnus credit card has emerged as one of the great competitors to Infinia credit card. Both these credit cards offer their cardholders various rewards with other benefits associated with it.
Yup, the joining fee may be same for both the credit cards, but preferred choice would be the HDFC one, as it has more benefits! Have been using it from a long time now!