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Side-by-Side Comparison|Updated March 2026

Axis Bank Magnus for Burgundy Credit Card vs HDFC Bank - Infinia Metal

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 - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Magnus for Burgundy Credit CardHDFC Bank - Infinia Metal
Annual Fee₹30,000₹12,500
Joining Fee₹30,000₹12,500
Fee Waiver Spend₹30,00,000₹10,00,000
Base Reward Rate1.2000000000000002%1.0989%
Reward CurrencyEDGE Reward PointsReward Points
NetworkMastercardVisa
Editor Rating9.2/109.5/10
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 - Infinia Metal

  • 10.99% on SmartBuy Flights & Hotels — 15000 pts/month
  • 5.48% on SmartBuy Other Categories — 15000 pts/month

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 - Infinia Metal

Pros

  • Industry-leading 3.33% base reward rate with 1:1 redemption on travel.
  • Accelerated rewards up to 33% via HDFC SmartBuy platform.
  • Unlimited domestic and international lounge access for both primary and add-on members.
  • Low 2% foreign currency markup fee, ideal for international spenders.

Cons

  • Strictly invite-only, making it inaccessible to most applicants.
  • High annual fee of ₹12,500 + GST, though offset by renewal points.
  • Recent caps on reward redemptions for Apple products and Tanishq vouchers.

Our Verdict

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

Exclusive lifestyle benefits, unlimited golf, and concierge services tailored for HNIs.

Frequently Asked Questions

Which is better: Axis Bank Magnus for Burgundy Credit Card or HDFC Bank - Infinia Metal?
Both Axis Bank Magnus for Burgundy Credit Card and HDFC Bank - Infinia Metal 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 - Infinia Metal?
Axis Bank Magnus for Burgundy Credit Card has an annual fee of ₹30,000, while HDFC Bank - Infinia Metal has an annual fee of ₹12,500. Axis Bank Magnus for Burgundy Credit Card offers a fee waiver on ₹30,00,000 annual spend. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Axis Bank Magnus for Burgundy Credit Card or HDFC Bank - Infinia Metal?
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 - Infinia Metal offers 1.0989% base rewards with bonuses on SmartBuy Flights & Hotels and SmartBuy Other Categories. The better choice depends on your primary spending categories.
Can I have both Axis Bank Magnus for Burgundy Credit Card and HDFC Bank - Infinia Metal?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Magnus for Burgundy Credit Card and HDFC Bank - Infinia Metal 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 - Infinia Metal?
For beginners, HDFC Bank - Infinia Metal may be more approachable with a lower annual fee of ₹12,500. However, evaluate based on your expected spending pattern rather than fee alone.

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