Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Magnus Credit Card vs Axis Bank Select Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Magnus Credit Card

8/10
Annual Fee₹12,500
Base Rewards0.2%
NetworkVisa
View Full Details

Axis Bank

Axis Bank Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Magnus Credit CardAxis Bank Select Credit Card
Annual Fee₹12,500₹3,000
Joining Fee₹12,500₹3,000
Fee Waiver Spend₹25,00,000₹8,00,000
Base Reward Rate0.2%0.2%
Reward CurrencyEDGE Reward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating8/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Magnus Credit Card

No accelerated rewards listed

Axis Bank Select Credit Card

  • 0% on Retail Shopping

Pros & Cons

Axis Bank Magnus Credit Card

Pros

  • High reward rate of 17.5 EDGE points per ₹200 on spends above ₹1.5 Lakhs monthly.
  • Unlimited domestic and international lounge access for primary and add-on cardholders.
  • Low foreign currency markup fee of 2% for international transactions.
  • Welcome benefit voucher worth ₹12,500 effectively offsets the joining fee.

Cons

  • Significant devaluation in 2024 removed monthly milestone bonuses and concierge services.
  • High annual fee waiver threshold of ₹25 Lakhs is difficult for most users to reach.
  • Reward points transfer ratio to air miles reduced from 5:4 to 5:2 for non-Burgundy users.

Axis Bank Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

Both Axis Bank Magnus Credit Card and Axis Bank Select Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Magnus Credit Card if

Best value is unlocked after crossing the ₹1.5 Lakh monthly spend threshold.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: Axis Bank Magnus Credit Card or Axis Bank Select Credit Card?
Both Axis Bank Magnus Credit Card and Axis Bank Select Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Magnus Credit Card and Axis Bank Select Credit Card?
Axis Bank Magnus Credit Card has an annual fee of ₹12,500, while Axis Bank Select Credit Card has an annual fee of ₹3,000. Axis Bank Magnus Credit Card offers a fee waiver on ₹25,00,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: Axis Bank Magnus Credit Card or Axis Bank Select Credit Card?
Axis Bank Magnus Credit Card offers a base reward rate of 0.2%. Axis Bank Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both Axis Bank Magnus Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Magnus Credit Card and Axis Bank Select Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Magnus Credit Card or Axis Bank Select Credit Card?
For beginners, Axis Bank Select Credit Card may be more approachable with a lower annual fee of ₹3,000. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Magnus Credit Card vs Axis Bank Atlas Credit CardAxis Bank Select Credit Card vs Axis Bank Atlas Credit CardAxis Bank Magnus Credit Card vs ICICI Bank Sapphiro Credit CardAxis Bank Select Credit Card vs ICICI Bank Sapphiro Credit CardAxis Bank Magnus Credit Card vs SBI Card PRIMEAxis Bank Select Credit Card vs SBI Card PRIME

Explore More

Axis Bank Magnus Credit Card Full ReviewAxis Bank Select Credit Card Full ReviewAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips