Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Magnus for Burgundy Credit Card vs Swiggy HDFC Bank 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 for Burgundy Credit Card

9.2/10
Annual Fee₹30,000
Base Rewards1.2000000000000002%
NetworkMastercard
View Full Details

HDFC Bank

Swiggy HDFC Bank Credit Card

8.5/10
Annual Fee₹500
Base Rewards1%
NetworkMastercard
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Magnus for Burgundy Credit CardSwiggy HDFC Bank Credit Card
Annual Fee₹30,000₹500
Joining Fee₹30,000₹500
Fee Waiver Spend₹30,00,000₹2,00,000
Base Reward Rate1.2000000000000002%1%
Reward CurrencyEDGE Reward PointsCashback
NetworkMastercardMastercard
Editor Rating9.2/108.5/10
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)

Swiggy HDFC Bank Credit Card

  • 0% on Swiggy (Food, Instamart, Di... — 1500 pts/month
  • 0% on Online Spends (Select MCCs) — 1500 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.

Swiggy HDFC Bank Credit Card

Pros

  • 10% cashback on Swiggy (Food, Instamart, Dineout, Genie) capped at ₹1,500/month
  • 5% cashback on online shopping across major platforms like Amazon, Flipkart, and Myntra
  • Complimentary 3-month Swiggy One membership as a welcome benefit
  • Cashback is directly credited to the credit card statement

Cons

  • No complimentary airport lounge access
  • Monthly cashback capping of ₹1,500 on Swiggy and ₹1,500 on online spends
  • Excludes cashback on fuel, rent, EMI, and jewelry transactions

Our Verdict

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

Choose Axis Bank Magnus for Burgundy Credit Card if

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

Choose Swiggy HDFC Bank Credit Card if

High 10% cashback on food delivery and groceries via Instamart makes it the best card for the Swiggy ecosystem.

Frequently Asked Questions

Which is better: Axis Bank Magnus for Burgundy Credit Card or Swiggy HDFC Bank Credit Card?
Axis Bank Magnus for Burgundy Credit Card edges ahead overall with a stronger combination of rewards and value. However, Swiggy HDFC Bank 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 for Burgundy Credit Card and Swiggy HDFC Bank Credit Card?
Axis Bank Magnus for Burgundy Credit Card has an annual fee of ₹30,000, while Swiggy HDFC Bank Credit Card has an annual fee of ₹500. Axis Bank Magnus for Burgundy Credit Card offers a fee waiver on ₹30,00,000 annual spend. Swiggy HDFC Bank Credit Card offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: Axis Bank Magnus for Burgundy Credit Card or Swiggy HDFC Bank Credit 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). Swiggy HDFC Bank Credit Card offers 1% base rewards with bonuses on Swiggy (Food, Instamart, Di... and Online Spends (Select MCCs). The better choice depends on your primary spending categories.
Can I have both Axis Bank Magnus for Burgundy Credit Card and Swiggy HDFC Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Magnus for Burgundy Credit Card and Swiggy HDFC Bank Credit 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 Swiggy HDFC Bank Credit Card?
For beginners, Swiggy HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Magnus for Burgundy Credit Card vs Axis Bank Reserve Credit CardSwiggy HDFC Bank Credit Card vs Axis Bank Reserve Credit CardAxis Bank Magnus for Burgundy Credit Card vs Amazon Pay ICICI Bank Credit CardSwiggy HDFC Bank Credit Card vs Amazon Pay ICICI Bank Credit CardAxis Bank Magnus for Burgundy Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardSwiggy HDFC Bank Credit Card vs Axis Bank - Flipkart Axis Bank Credit Card

Explore More

Axis Bank Magnus for Burgundy Credit Card Full ReviewSwiggy HDFC Bank Credit Card Full ReviewAll Axis Bank CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips