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Axis Bank Magnus Credit Card Apply Now	HDFC Bank INFINIA Metal Credit Card Apply Now
Joining Fee Rs. 12,500 + GST	Joining Fee Rs. 12,500 + GST
Rewards and Benefits
Welcome Benefits Choose a gift voucher worth Rs. 12,500 from any one of Luxe, Yatra, or Postcard Hotels	Welcome Benefits Welcome bonus of 12,500 Reward Points and complimentary Club Marriott membership for the first year offering 20% discounts on dining and stay in the Asia-Pacific region.
Rewards Rate 12 Axis EDGE REWARDS Points for every Rs. 200 spent with the card, 5X EDGE REWARDS on travel spends via TRAVEL EDGE.	Rewards Rate 5 Reward Points on every retail spend of Rs. 150, reward rate of up to 3.3%
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.	Movie & Dining 1 + 1 Complimentary Buffet at ITC Hotels and 15% off With Swiggy Dineout
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.	Reward Redemption RPs can be redeemed for flight and hotel bookings via SmartBuy (1 RP = Re. 1), Airmiles through net banking (1 RP = 1 Airmile), products and vouchers via net banking or SmartBuy (1 RP = Rs. 0.50), Apple and Tanishq vouchers (1 RP = Re. 1) cashback (1 RP = Rs. 0.30)
Travel Complimentary international as well as domestic airport lounge access, airport concierge services and discounted stays at Oberoi Hotels.	Travel Complimentary Priority Pass Membership
Golf NA	Golf Unlimited complimentary golf games at leading golf courses across India and abroad. Unlimited golf coaching at multiple golf courses across India
Domestic Lounge Unlimited Free Domestic Airport Lounge Access	Domestic Lounge Unlimited Free Domestic Airport Lounge Access
International Lounge Unlimited complimentary international airport lounge access for primary cardholders and 8 complimentary visits for the guests every year with Priority Pass	International Lounge Unlimited free access to international lounges across the globe for the primary cardmember and all add-on cardholders.
Insurance Benefits Credit shield protection worth Rs. 5 lakh (in case the card is lost) and a purchase protection worth Rs. 2 lakh.	Insurance Benefits Insurance cover worth Rs. 3 crores against accidental air death, a cover worth Rs. 50 lakh against medical emergencies during international air travel, and credit shield cover worth Rs. 9 lakh
Zero Liability Protection Credit shield cover worth Rs. 5 lakh, liability protection up to the card's credit limit.	Zero Liability Protection In case the card is lost, if you report the same within 24 hours, you have zero cost liability on any fraudulent transaction made with your credit card. Bank not liable for any fraudulent transaction made prior to the time of reporting.
Fees & Charges

Renewal Fee Rs. 12,500 + GST	Renewal Fee Rs. 12,500 + GST
Spend Based Waiver Annual fee waived off on an expenditure of Rs. 25 lakhs in the preceding year.	Spend Based Waiver Get renewal fee waived by spending Rs. 10 lakh in the previous year.
Rewards Redemption Fee Nil	Rewards Redemption Fee Nil
Foreign Currency Markup 2% of the transaction plus GST	Foreign Currency Markup 2% of the total transaction amount + taxes
Interest Rates 3.0% per month (42.58% annually)	Interest Rates 1.99% per month or 23.8% annualized
Fuel Surcharge 1% fuel surcharge waived off at all fuel stations across India	Fuel Surcharge 1% fuel surcharge waiver up to Rs. 1,000 each month
Cash Advance Charges Nil	Cash Advance Charges NIL (Interests charges applicable)
Add-on Card Fee Nil	Add-on Card Fee Nil

Axis Bank Magnus Credit Card

HDFC Bank INFINIA Metal Credit Card

Rewards and Benefits

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