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Side-by-Side Comparison|Updated March 2026

Axis Bank Magnus Credit Card vs Axis Bank Vistara 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
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Axis Bank

Axis Bank Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Magnus Credit CardAxis Bank Vistara Credit Card
Annual Fee₹12,500₹1,500
Joining Fee₹12,500₹1,500
Fee Waiver Spend₹25,00,000N/A
Base Reward Rate0.2%0.8%
Reward CurrencyEDGE Reward PointsMaharaja Points
NetworkVisaVisa
Editor Rating8/106.5/10
Forex Markup3.5%3.5%

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 Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

Our Verdict

Axis Bank Magnus Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Magnus Credit Card if

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

Choose Axis Bank Vistara Credit Card if

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

Frequently Asked Questions

Which is better: Axis Bank Magnus Credit Card or Axis Bank Vistara Credit Card?
Axis Bank Magnus Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Vistara Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Magnus Credit Card and Axis Bank Vistara Credit Card?
Axis Bank Magnus Credit Card has an annual fee of ₹12,500, while Axis Bank Vistara Credit Card has an annual fee of ₹1,500. Axis Bank Magnus Credit Card offers a fee waiver on ₹25,00,000 annual spend.
Which card has better rewards: Axis Bank Magnus Credit Card or Axis Bank Vistara Credit Card?
Axis Bank Magnus Credit Card offers a base reward rate of 0.2%. Axis Bank Vistara Credit Card offers 0.8% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Magnus Credit Card and Axis Bank Vistara Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Magnus Credit Card and Axis Bank Vistara 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 Vistara Credit Card?
For beginners, Axis Bank Vistara Credit Card may be more approachable with a lower annual fee of ₹1,500. However, evaluate based on your expected spending pattern rather than fee alone.

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