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Side-by-Side Comparison|Updated March 2026

Axis Bank Magnus for Burgundy Credit Card vs HDFC Bank BizBlack Metal 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 for Burgundy Credit Card

9.2/10
Annual Fee₹30,000
Base Rewards1.2000000000000002%
NetworkMastercard
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HDFC Bank

HDFC Bank BizBlack Metal Card

9.2/10
Annual Fee₹10,000
Base Rewards1%
NetworkDiners Club
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Feature-by-Feature Comparison

FeatureAxis Bank Magnus for Burgundy Credit CardHDFC Bank BizBlack Metal Card
Annual Fee₹30,000₹10,000
Joining Fee₹30,000₹10,000
Fee Waiver Spend₹30,00,000₹7,50,000
Base Reward Rate1.2000000000000002%1%
Reward CurrencyEDGE Reward PointsReward Points
NetworkMastercardDiners Club
Editor Rating9.2/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Magnus for Burgundy Credit Card

  • 1.2% on Monthly Spends > ₹1.5 Lakh — 2 pts/month
  • 1.2% on Travel EDGE Portal (< ₹2 Lakh) — 200000 pts/month
  • 1.2% on Travel EDGE Portal (> ₹2 Lakh)

HDFC Bank BizBlack Metal Card

  • 0% on Tax & GST
  • 0% on SmartBuy (Flights/Hotels)
  • 0% on Business Productivity Tools

Pros & Cons

Axis Bank Magnus for Burgundy Credit Card

Pros

  • Industry-leading 5:4 transfer ratio to 20+ airline and hotel partners.
  • Up to 24% value-back on travel bookings via the Travel EDGE portal.
  • Unlimited domestic and international lounge access with 4 guest visits annually.
  • 8 complimentary airport meet-and-greet services per calendar year.

Cons

  • High eligibility barrier requiring Axis Burgundy relationship status.
  • Strict spend-based criteria (₹50k in 3 months) for domestic lounge access.
  • Significant list of reward exclusions including utilities, insurance, and gold.

HDFC Bank BizBlack Metal Card

Pros

  • Industry-first 5X Reward Points on Income Tax and GST payments via official portals.
  • Unlimited domestic and international airport lounge access for both primary and add-on members.
  • High reward rate of up to 16.5% on business essential spends like utility and software tools.
  • Premium metal card design with complimentary Club Marriott membership and Taj vouchers.

Cons

  • High annual fee of ₹10,000 + GST which requires significant spend for waiver.
  • Diners Club network may face acceptance issues at smaller local merchants compared to Visa/Mastercard.
  • Accelerated 5X rewards are capped at 7,500 points per statement cycle.

Our Verdict

Both Axis Bank Magnus for Burgundy Credit Card and HDFC Bank BizBlack Metal 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 for Burgundy Credit Card if

Optimized for monthly spends exceeding ₹1.5 Lakh with accelerated 14% reward rates.

Choose HDFC Bank BizBlack Metal Card if

High-value tax and GST payments earn significant rewards, effectively offsetting the tax convenience fees.

Frequently Asked Questions

Which is better: Axis Bank Magnus for Burgundy Credit Card or HDFC Bank BizBlack Metal Card?
Both Axis Bank Magnus for Burgundy Credit Card and HDFC Bank BizBlack Metal 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 for Burgundy Credit Card and HDFC Bank BizBlack Metal Card?
Axis Bank Magnus for Burgundy Credit Card has an annual fee of ₹30,000, while HDFC Bank BizBlack Metal Card has an annual fee of ₹10,000. Axis Bank Magnus for Burgundy Credit Card offers a fee waiver on ₹30,00,000 annual spend. HDFC Bank BizBlack Metal Card offers a fee waiver on ₹7,50,000 annual spend.
Which card has better rewards: Axis Bank Magnus for Burgundy Credit Card or HDFC Bank BizBlack Metal Card?
Axis Bank Magnus for Burgundy Credit Card offers a base reward rate of 1.2000000000000002% with accelerated rewards on Monthly Spends > ₹1.5 Lakh and Travel EDGE Portal (< ₹2 Lakh). HDFC Bank BizBlack Metal Card offers 1% base rewards with bonuses on Tax & GST and SmartBuy (Flights/Hotels). The better choice depends on your primary spending categories.
Can I have both Axis Bank Magnus for Burgundy Credit Card and HDFC Bank BizBlack Metal Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Magnus for Burgundy Credit Card and HDFC Bank BizBlack Metal Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Magnus for Burgundy Credit Card or HDFC Bank BizBlack Metal Card?
For beginners, HDFC Bank BizBlack Metal Card may be more approachable with a lower annual fee of ₹10,000. However, evaluate based on your expected spending pattern rather than fee alone.

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