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The Magnus Credit Card is one of the most rewarding and sought-after cards in Axis Bank’s portfolio. This super-premium card issued by the bank targets high-income individuals who want to enjoy the privilege of a luxurious lifestyle. It has a joining fee of Rs. 12,500 but offers many premium travel, lifestyle, dining, and insurance benefits.

Cardholders get domestic and international lounge access at airports along with a 24*7 concierge service. Premium customers can also make international transactions at a relatively low 2% Forex Markup fee. Also, there are no cash withdrawal charges on the card (Interest charges applicable). Although the annual fee of the card is relatively high, you can get it waived by spending 25 lakhs or above in the previous anniversary year and save Rs. 12,500.

Keep reading our review of the super-premium Magnus credit card to learn about its features and benefits.

Axis Bank Magnus Credit Card


Joining Fee

Rs. 12,500 + GST

Renewal Fee

Rs. 12,500 + GST

Best Suited For

Movies | Travel | Dining | Shopping |

Reward Type

Reward Points

Welcome Benefits

Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels

Movie & Dining

Buy one and get up to Rs. 500 off on the next movie/non-movie ticket on BookMyShow (max 5 times a month), 20% discount at 4,000+ restaurants across India under the Axis Bank Dining Delights program.

Rewards Rate

12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.

Reward Redemption

Axis EDGE REWARDS Points can be redeemed on the EDGE REWARDS portal at a value of 1 Edge Reward = Re. 0.20 or Transfer to Partner Airlines/Hotels Rewards Program.


Complimentary international as well as domestic airport lounge access, airport concierge services and discounted stays at Oberoi Hotels.



Domestic Lounge Access

Unlimited Free Domestic Airport Lounge Access

International Lounge Access

Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass

Insurance Benefits

Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.

Zero Liability Protection

Credit shield cover worth Rs. 5 lakh, liability protection up to the card's credit limit.

Spend Based Waiver

Annual fee waived off on an expenditure of Rs. 25 lakhs in the preceding year.

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

2% of the transaction plus GST

Interest Rates

3.0% per month (42.58% annually)

Fuel Surcharge

1% fuel surcharge waived off at all fuel stations across India

Cash Advance Charges


Add-on Card Fee


  • Rs. 12,500 worth gift voucher from Luxe, Postcard Hotels, or Yatra as welcome benefit
  • 12 Axis EDGE REWARDS Points for every Rs. 200 spent on retail purchases up to Rs. 1.5 Lakhs. Earn 35 RPs per Rs. 200 after exceeding the monthly spend of Rs. 1.5 Lakhs
  • Earn 60 Axis EDGE REWARDS Points for every Rs. 200 spent on Travel Edge portal Rs. 2 Lakhs. Earn 35 RPs per Rs. 200 after exceeding the monthly spend of Rs. 2 Lakhs
  • Unlimited domestic airport lounge access every year.
  • Unlimited complimentary international lounge visits every year with Priority Pass.
  • Discounted stays at Oberoi Hotels.
  • Buy one and get up to Rs. 500 off on the next BookMyShow ticket (max 5 times a month).
  • 40% discount upto Rs 1,000 via Eazydiner at 4,000+ restaurants across India under the Axis Bank Dining Delights program.
  • Credit Shield cover (against misuse of the card) worth Rs. 5 lakh and purchase protection worth Rs. 2 lakh with Axis Bank Magnus Card.
  • Medical benefits include a medical concierge, second medical opinion, preventive healthcare diagnostic programs, and global travel and medical assistance.
  • Lower interest rate (2.5% pm) and foreign currency mark-up (2%) and zero cash withdrawal fee.
  • 24×7 dedicated concierge service for assistance regarding flight or hotel reservations, gift deliveries, etc.


  • There are no cash withdrawal charges with this card.
  • Unlimited international and domestic lounge access with the Magnus Credit Card.
  • You can avail “BOGO” on movies and get discounts on dining with this card.


  • The annual income required to be eligible for the Axis Bank Magnus Credit Card is very high, at Rs. 24 lakh.
  • There are no golf benefits with this card.
  • To qualify for the New Magnus Card for Burgundy, you must maintain the Total Relationship Value associated with the account.

Axis Bank Magnus Credit Card Features and Benefits

The Magnus Credit Card offered by Axis Bank is one of its most popular and premium credit cards that comes with exciting benefits across various categories, including travel, rewards, and many more.

Welcome Benefits:

The welcome benefit has been updated and the option to choose the Tata Cliq voucher has been discontinued on the Magnus credit card. Cardholders have the option to choose a Rs. 12,500 worth gift vouchers from Luxe, Postcard Hotels, or Yatra gift voucher.

Travel Benefits:

Domestic Lounge Access

Unlimited domestic lounge access at select airports across India for primary as well as supplementary cardholders using the Magnus Credit Card. Additionally, the following is the list of lounges accessible through the Priority Pass in India-

  • Agartala – Primus Lounge
  • Allahabad and Prayagraj – Zesto Executive Lounge
  • Amritsar – Costa Coffee
  • Bhopal – Primus Lounge
  • Cochin – Earth Lounge
  • Dibrugrah – Primus Lounge
  • Guwahati – The Lounge
  • Kannur – Pearl Domestic Lounge
  • Madurai – Primus Lounge
  • Varanasi – Take Off Bar

International Lounge Access

Unlimited complimentary international airport lounge access with Priority Pass membership for the primary cardholders. Along with free visits for primary cardholders, you also get an additional 8 complimentary visits for the guests per year.

Airport Concierge and VIP Meet & Greet

Airport meet & greet, concierge service with 8 complimentary VIP assistance services for assistance regarding airport processes, including check-in, security check, immigration processes, and porter services.

For example, at the Delhi airport, you get the complimentary Atithya Silver service that costs Rs. 2000 per adult for both departure and arrival at select airports. Get a warm welcome at the aerobridge gate, porter assistance, golf cart gate transfers, and other privileges. The airport Meet & Greet service can also be used for the guests travelling with you.

Movie & Dining Benefits:

  • BookMyShow Benefit – Buy one movie/non-movie ticket from BookMyShow and get Rs. 500 off on the next ticket. This discount can be availed for a maximum of 5 times a month.
  • Dining Delights Program -Enjoy up to 40% off at partner restaurants, up to a maximum of Rs. 1000. With the Birthday Offer, get 50% at partner restaurants, up to Rs. 3000.

Insurance Benefits:

Category Insurance Coverage
Credit shield Rs. 5 lakhs
Credit liability Up to the card limit
Lost/delayed baggage US $500

24×7 Dedicated Concierge Service:

You may call the 24×7 dedicated concierge service at 1800 103 4962 for assistance regarding flight bookings, restaurant table reservations, exclusive events/shows, gift deliveries, and more.

Fuel Surcharge Waiver

1% fuel surcharge waived off for transactions between Rs. 400 and Rs. 4,000 at all fuel stations across India. The maximum waiver is capped at Rs. 400 per month. You do not earn reward points on fuel spends for which you get the surcharge waiver.

Spends Based Waiver:

The annual membership fee of the card is waived off on an expenditure of Rs. 25 lakhs in the preceding anniversary year. This threshold does not include wallet reload and rent transactions.

Axis Bank Magnus Features and Benefits


Axis Bank Magnus Credit Card Reward Points

  • Earn 12 EDGE Reward Points for every INR 200 on cumulative monthly spends up to Rs. 1.5 Lakhs. Further, earn 35 EDGE Reward Points per Rs. 200 on cumulative monthly spends above Rs. 1.5 Lakhs
  • You can earn 60 EDGE Reward Points for every Rs. 200 spent on Travel Edge portal, up to cumulative transactions of Rs. 2 Lakhs per month. Earn 35 EDGE Reward Points per Rs. 200 spent on cumulative transactions of Rs. 2 Lakhs per month.
  • Edge Rewards for rental transactions accrue only up to transactions of Rs. 50,000 per month and you have to pay rental transaction charges of 1% of the total amount.
  • You can get up to 5x Reward Points on purchases from various brands at the Axis Bank Grab Deals website. Maximum 5,000 EDGE Reward Points, and maximum cashback of Rs. 1000 can be earned per customer per month.
  • You can get up to 5x Reward Points along with great discounts on Gyftr. There is no capping on the maximum number of reward points you can earn through the Gyftr portal. Cardholders can purchase only Rs. 20,000 worth of Amazon Pay gift cards and Rs. 10,000 worth of Amazon and Flipkart shopping gift vouchers per month from the Gyftr portal.

After the calendar month is completed, accelerated reward points are credited within 45 days from the evaluation month’s end. Accelerated reward points are calculated as [Eligible Spends = (Total spends in the month – Rs. 1.5 Lakhs – Spends in the exclusion list – Spends on Travel Edge up to Rs. 2 Lakhs – Rent payments) x 23 reward points.

Categories Excluded from earning reward points – 

  • Wallet reloads/payments
  • EMI spends
  • Incremental spends on rent payments above Rs. 50,000 in a month
  • Spends on utilities and government institutions
  • Refunded/reversed/cancelled transactions
  • Credit card fees and charges
  • Cash withdrawals
  • Spends made on Travel Edge up to Rs. 2 Lakhs in a month, Gyftr, and Grab Deals portal

Reward Redemption:

You can redeem the Axis EDGE REWARDS Points for instant vouchers, gifts, gadgets, fashion accessories, etc. on the Axis EDGE REWARDS redemption portal. 1 Edge Reward = Re. 0.20.

You can also Transfer EDGE REWARDS Points earned to Partner Airlines/Hotels Rewards Program including Club ITC, Marriott Bonvoy, Etihad Guest, KrisFlyer, United, Turkish Miles&Smiles, and much more at a ratio of 5:2. The new ratio is applicable from 1st September 2023 based on the new terms and conditions of the Miles Transfer program on the Magnus credit card.

  • The EDGE RPs earned by you can be transferred to domestic as well international partner hotel and airline loyalty program points. The revised transfer ratio is 5:2, where 5 EDGE RPs = 2 Partner Miles/Points
  • The total number of reward points you can convert in a calendar year is capped at 5,00,000 RPs for a single Customer ID. In 2023, cardholder can convert 5,00,000 reward points from 1st September to 31st December 2023.
  • You can just link one Customer ID to a partner program loyalty membership at a given time. If you want to link another ID, you will first have to delink the existing primary ID and add the new one.
  • The cardholder must wait at least 60 days to update their partner program Customer ID at the Travel EDGE portal.

To continue with the current Miles Conversion ratio of 5:4 on the Magnus credit card, you will have to maintain the Burgundy Private account relationship and get the Burgundy Private credit card. The bank does not charge any extra fee for this special offering on the credit card.

New Magnus Credit Card for Burgundy

Recently, Axis Bank has started taking in applications for the New Magnus Credit Card for Burgundy.  Customers have been notified regarding the same by Axis Bank via email. With the New Axis Bank Magnus Credit Card, you can earn four partner miles/points for every 5 EDGE Reward Points, which is an upgrade from the previous card.

Joining Fees

The joining and renewal fees for the Axis Bank Magnus Burgundy Credit Card are Rs. 30,000 + GST. Till 31st January 2024, there was no joining fee for the new Magnus Credit Card for Burgundy account holders.


The reward structure is the same as the Magnus Credit Card, except with the new card, you can-

  • Earn 4 Partner Miles Against 5 EDGE Reward Points,
  • Up to 10 Lakh EDGE Reward Points.

How to Apply for the New Axis Bank Magnus Burgundy Credit Card?

Existing Burgundy account holders who fulfill the eligibility criteria for the new Magnus Credit Card can ask for an upgrade on their card by calling 1800 419 0065. Once your consent is given, your new card shall be dispatched.

Popular Credit Cards Comparison With Axis Bank Magnus

When it comes to super-premium credit cards, the Axis Bank Magnus card faces competition from the HDFC Infinia and Diners Club Black Credit Cards.

However, there are quite a few differences between the three cards, and we will highlight those in the below table.

Category Axis Bank Magnus HDFC Infinia HDFC Diners Club Black Magnus Credit Card for Burgundy
Rewards Rate 12 EDGE Reward Points per Rs. 200 spend.5x EDGE Reward Points on the TravelEdge portal. 5 Reward Points per Rs. 150 spent.Accelerated Reward Points on bus/flight/ hotel bookings, railway ticket booking, and Flipkart purchases via SmartBuy. 5 Reward Points per every Rs. 150 spent10X Reward Points via SmartBuy and around 2x on weekend dining. 12 EDGE Reward Points per Rs. 200 spend. 5x EDGE Reward Points on the TravelEdge portal.
Reward Redemption EDGE Reward points can be redeemed against shopping vouchers and products. 1 Reward Point = 1 Rs. to redeem against hotel/flight bookings through SmartBuy. 1 Reward Point = 1 Rs. to redeem against Tanishq or Apple through SmartBuy. Only 70% of the payment can be through RPs, and you have to pay the rest of the amount using your credit card. 1 Reward Point = 1 Rs. to redeem against hotel/flight bookings1 Reward Point = Rs. 0.5 to redeem against product purchases from the HDFC catalogue.Only 70% of the payment can be through RPs, and you have to pay the rest of the amount using your credit card. EDGE Reward points can be redeemed against shopping vouchers and products.
Welcome and Renewal Benefit Rs. 12,500 worth of gift vouchers from Postcard Hotels, Luxe, or Yatra. 12,500 Reward Points on payment of the membership or renewal fee. Complimentary annual membership of Forbes, Club Marriott, Swiggy One, and MMT Black. Welcome benefits worth Rs. 12,500 from Luxe, Yatra and PostCard Hotels.
Milestone Benefits A Bonus of 25000 EDGE Reward Points on reaching a spending milestone of Rs. 1 Lakh in a month. NA cult.fit 1-month membership or Tata Cliq, BookMyShow, or Ola cabs Rs. 500 vouchers on a monthly spend of Rs. 80,000 NA
Joining Fee Rs. 12,500 + GST Rs. 12,500 + GST Rs. 10,000 + GST Rs. 30,000 + GST
Eligibility Minimum income of Rs. 18 Lakhs per year By Invite Only Minimum income of Rs. 1.25 Lakhs per month for salaried employees and minimum income of Rs. 21 Lakhs per year for self-employed people. Burgundy account holders who meet the “Total Relationship Value”

Axis Bank Magnus Credit Card Fees and Charges

There are several fees and charges associated with a credit card, of which some of the most important ones are as follows:

  • The joining and annual fee of the Axis Magnus Credit Card is Rs. 12,500. The renewal fee of Rs. 12,500 is waived off on spending Rs. 25 lakhs or more in the previous year. Existing cardholders who got the card before 1st September 2023 can continue using the card at the old fee of Rs. 10,000 plus taxes.
  • The interest rate on this credit card is 3.0% per month (42.58% annually).
  • The foreign currency markup fee on this credit card is 2% of the total transaction amount.
  • The cash advance fee on the Magnus credit card is zero, i.e., you don’t need to pay any cash withdrawal charges with this card (interest charges are applicable).

Axis Bank Magnus Credit Card Eligibility Criteria

Every credit card has some specific eligibility criteria that need to be fulfilled by the applicants in order to get approved for that particular card. The eligibility requirements for the Magnus Credit Card are as follows:

  • Your age must be between 21 years and 70 years for primary cardholders, and above 18 years for add-on cardholders.
  • Your annual income must be at least Rs. 18 lakh (for both salaried and self-employed applicants).
  • If you have a credit limit of Rs. 3 Lakhs or more on an Axis Bank or any other bank credit card, then you are eligible to apply for the Magnus credit card.


How to Apply for the Axis Magnus Credit Card?

You can apply for Axis Bank Magnus credit cards online as well as offline at your convenience. To apply offline, You will have to visit your nearest Axis Bank branch with all the required documents in order for your application to be processed. To apply online, you can proceed as follows:

  • Click on the Apply Now button at the top of the page,
  • Fill in your details and apply for the Magnus Credit Card.

Customer Care

For any queries/assistance regarding the credit card, you may dial Axis Bank’s retail phone banking numbers- 1860 419 5555 or 1860 500 5555. To block your card, you may contact the 24×7 helpline at +91 22 67987700.

Axis Bank Magnus Credit Card Review

Even though the annual joining fee for the Axis Bank Magnus credit card is high, it is an excellent option for high-net-worth individuals who prefer a premium lifestyle. It offers great benefits for both domestic and international travel, exclusive dining, low-interest rates, and a relatively low foreign currency markup fee.

The card is similar to HDFC’s Infinia and ICICI’s Emeralde cards. One feature that differentiates this card from the other two is the extra medical benefits that it offers. What do you think of this super-premium credit card by Axis Bank? And how does it stack up against the competition from HDFC and ICICI? Please let us know in the comments below. If you’re an existing customer, feel free to share your experience for the benefit of others.


The Axis EDGE REWARDS Points are valid for three years from the date of accural.
No, you can not redeem your Axis EDGE REWARDS Points for paying your credit card bills.
Yes, this card does support contactless payment.
You get unlimited complimentary domestic lounge access and unlimited complimentary international lounge access every year with this credit card.
Axis Bank Magnus Credit Card

Axis Bank Magnus Credit Card



  1. Bengal Reply

    wrong info about international lounge access
    unlimited for card holders and 8 guest pass per year.

    • Ankur Mittal Reply

      Hi, thanks for pointing this out. The card was recently updated with new features.

  2. Vin Reply

    Are you aware of any limitations on maximum of 6000 edge reward points per transaction on this card? That means transaction limit of ₹1,00,000.
    I have this card and made a transaction of more than 1L, but received only 6K points. Axis customer service being as useless as ever where front-end support opens a SR saying you should get for entire value but back-end support closes it saying 6000 is the limit without citing any T&C.

    • Ankur Mittal Reply

      I have done a transaction of more than 1 lac and have got more than 6000 points on that transaction.

  3. AK Reply

    HEY, just applied and got approved for the card, waiting for the delivery, I was wondering if this is a metal card? if yes, then is the quality of metal comparable to HDFC Infinia metal card?

    • Ankur Mittal Reply

      Yes, the Magnus card is a Metal card and the quality is similar to Infinia.

      • Ak Reply

        Some users are saying it’s quality is not similar to infinia, is that right?

        • Ankur Mittal Reply

          We have both Infinia Metal and Magnus Metal. The Magnus metal is lighter than Infinia Metal, but overall both cards are solid.

          • AK

            received the card few days back. just wanna clarify one thing; do I need to show priority pass to access the domestic lounges or just my Magnus card?

        • ashok Reply

          Dont use priority pass for domestic, if u use priority pass they will charge 27$ plus taxes in India, priority pass is only for international, i mean outside country.

  4. Himanshu Reply


    I have a couple of questions?
    Would you prefer it on Visa or Mastercard? What’s the difference?
    Is there any chance to get it LTF?
    Can I transfer my balance from other credit card to Axis Credit Cards? If yes then what are the charges?

    Thank you so much

  5. Bhargav Reply

    What is the maximum rewards point on can earn on Axis Grab Deal, Axis Travel Edge and Axis GIft Edge portal?

    • GyFTR Reply

      Hey Bhargav! We would like to inform you that you can earn up to 10X EDGE REWARD Points on Brand voucher purchased on http://www.gyftr.com/edgerewards/ with Axis Bank Credit and Debit Cards.
      Buy Gift Vouchers of 160+ Brands and Get Exclusive Offers & Discounts. Not only this, each customer would also get Up to 10X EDGE REWARD Points on all Credit & Debit Cards (*T&C apply). The EDGE REWARD Points (Accelerated Points) will be posted within 120 days from the date of transaction.
      For more details we request you to please click on https://www.gyftr.com/edgerewards/terms-and-conditions
      Team GyFTR

  6. SPMuduli Reply

    Domestic lounges have become too crowded these days. They queue for entry is also never ending. Can the Priority Pass be used to access “The Exclusive Lounges” like the one in Hyderabad which is just opposite the regular domestic lounge. Is International Travel boarding pass mandatory to use this lounge or can the same be availed with domestic boarding pass as well. Thanks

  7. Ankit Mittal Reply

    i dont see ITC club while converting the points. Is it still available?

  8. manas Reply

    If I link my HDFC infinia credit card to Google-pay, and pay for govt transactions, will I get reward points? or will I atleast bypass the additional credit card gateway fees?

    • Kartik Kanwar Reply

      Hello, Sir. Only RuPay Credit Cards can be linked to UPI.

  9. Suraj Sharma Reply

    I am doing a calculation.
    I buy Reliance Digital Gift Cards for ₹249900 as I want to buy a MacBook Pro.
    I will also get the 5X RP mean of 75000 RP
    So basically I will get 75000RP*0.8*1.8=108000 worth in ACCOR.
    This means my MacBook Pro will cost me Rs.250000-108000=Rs.142000/-

    Am I right on the calculation?

    • Ankur Mittal Reply

      and you get extra 25000 points as monthly milestone benefit as well.

      • Mkt Reply

        On website it says that milestone benefits are applicable from the month of card issuance itself . However you have mentioned that it is applicable from the next month. Please clarify

        • Ankur Mittal Reply

          It’s from the 1st month itself. Updated the article.

          • Ankur Mittal

            Hi Sandy, thanks updated the article. Rent and wallet is excluded.

          • Harsh

            I have card and used it multiple times to book flights via travel edge. However, the bonus points have not been credited. Is there a wait time for travel edge 5x bonus points to get credited, or should I reach out to someone?

      • Finhead Reply

        Isn’t there a limit of 10k points, per month per customer?
        Total points is 35000.
        And with Accor, a reduction of 50k.

        • Ankur Mittal Reply

          limit is only on grabdeals.

  10. Mohammed Inzamam Reply

    I have salary of 10lacs per annum…. And I hav citi bank credit card (2lac limit) and axis bank ace(1lac limit)
    Can I apply for magnus credit card

    • Mihir Panbhar Reply

      Here are the easiest way to get Magnus without huge ITR or huge Limit, I have help almost all my friend circle.
      1) Use your Citi card statement and mail to axis with your salary slips to increase limit and match as citi for your Axis Ace.
      1) Apple Card 2 Card any random low variant cc so via bank offline or agent so that you get 2Lac Limit
      2) Wait for 3 Month or sometime even less.
      3) Open Axis Mobile App, Credit Cards > Scroll Bottom, do not select any card > there would be new a button “Apply Now’ Click there
      4) Fill the details and go next, Now if your coll down period ie. step 2 is over then you will get a credit card list which are pre-approved.
      5) For magus you need at least 2Lac on existing axis card, and Voila you will see Magnus in that list.
      6) Thank me later, New Year Gift hehe 😛

  11. GIri Reply

    I’ve a couple of questions.
    1. What’s the difference between Magnus VISA & Magnus Master card on usage / restrictions and please suggest the best.
    2. Regarding International Airport Lounge Program, whether the guest of the card holder (like wife travelling along with the card holder) can also avail the offer.? If so, what’s the limitation ?

  12. Gautam Reply

    I was travelling internationally in last 3 weeks. Whichever airport lounges I asked, none of them accept this card (Canada, Germany, France, Dubai). can anyone share which airports and which lounges accept this cad?

  13. suhag Reply

    are jewellery purchase counted in magnus 1 lac spends per month cretiria and if yes also can i buy kalyan jeweller gift card from gift edge at 5x and take benefit??

    • Ankur Mittal Reply


  14. Puneet Reply

    Anyone has got the 25000 point for the month of march 23?

  15. SK Reply

    hi…will I get any edge reward points if I pay my electricity & other utility bills through Magnus CC?

  16. Yogesh Reply

    Bonus of 25000 points on spending of 1 lakh and more has been withdrawn by axis on magnus card. now it is making magnus less attractive

  17. Raay Reply

    25K points on 1L spend has been withdrawn.. besides a lot of other degradations on the card. There’s a spectacular degradation on this card which makes the WORST card among all premium cards. Stay away from this card (Unless you are a Burgundy account holder)

  18. Mihir Panbhar Reply

    Ankur One Point to change.
    AXIS is now Offering Magnus in MasterCard World from Dec 20th, So we can avail Gold benefits via Master Card.

    World Mastercard cardholders can enjoy the following privileges:
    – 4 complimentary rounds of green fees per calendar year (not more than 1 round in a single calendar month)
    – 12 complimentary golf lessons per calendar year (1 lesson per calendar month)
    – Discounted golf services at 50% of the green fee beyond complimentary sessions

  19. Rajesh Reply

    This card is just hyped way too much. After devaluation the return rate is just 1.2 to 2% max. 1 edge point is 0.2 rs vs 1 point =1 inr for HDFC Infinia and Diners black. Don’t be fooled, I have cancelled my card after devaluation( removal of 25000 point on 1 lakh spends). Even when this offer was there the return rate was about 5% max.. 25000*0.2 rs =5000 rs for every 1L spend.

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