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Side-by-Side Comparison|Updated March 2026

Axis Bank Miles & More World Select Credit Card vs Axis Bank Magnus 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 Miles & More World Select Credit Card

8/10
Annual Fee₹4,500
Base Rewards0.75%
NetworkMastercard
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Axis Bank

Axis Bank Magnus Credit Card

8/10
Annual Fee₹12,500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Miles & More World Select Credit CardAxis Bank Magnus Credit Card
Annual Fee₹4,500₹12,500
Joining Fee₹10,000₹12,500
Fee Waiver SpendN/A₹25,00,000
Base Reward Rate0.75%0.2%
Reward CurrencyAward MilesEDGE Reward Points
NetworkMastercardVisa
Editor Rating8/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Miles & More World Select Credit Card

  • 0% on Lufthansa Bookings

Axis Bank Magnus Credit Card

No accelerated rewards listed

Pros & Cons

Axis Bank Miles & More World Select Credit Card

Pros

  • Generous welcome bonus of 15,000 Award Miles on card activation.
  • High domestic lounge access limit of 32 complimentary visits per year (8 per quarter).
  • Award Miles never expire as long as you hold the credit card.
  • Significant dining discounts of up to 40% via EazyDiner (up to Rs. 1,000).

Cons

  • High joining fee of Rs. 10,000 with no standard annual fee waiver spend.
  • Domestic lounge access is contingent on spending Rs. 50,000 in the previous 3 months.
  • Extremely high APR of 55.55% per annum.

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.

Our Verdict

Both Axis Bank Miles & More World Select Credit Card and Axis Bank Magnus 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 Miles & More World Select Credit Card if

Ideal for those who frequently fly with Lufthansa or Star Alliance partners to maximize Award Miles redemption.

Choose Axis Bank Magnus Credit Card if

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

Frequently Asked Questions

Which is better: Axis Bank Miles & More World Select Credit Card or Axis Bank Magnus Credit Card?
Both Axis Bank Miles & More World Select Credit Card and Axis Bank Magnus 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 Miles & More World Select Credit Card and Axis Bank Magnus Credit Card?
Axis Bank Miles & More World Select Credit Card has an annual fee of ₹4,500, while Axis Bank Magnus Credit Card has an annual fee of ₹12,500. Axis Bank Magnus Credit Card offers a fee waiver on ₹25,00,000 annual spend.
Which card has better rewards: Axis Bank Miles & More World Select Credit Card or Axis Bank Magnus Credit Card?
Axis Bank Miles & More World Select Credit Card offers a base reward rate of 0.75% with accelerated rewards on Lufthansa Bookings. Axis Bank Magnus Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both Axis Bank Miles & More World Select Credit Card and Axis Bank Magnus Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Miles & More World Select Credit Card and Axis Bank Magnus Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Miles & More World Select Credit Card or Axis Bank Magnus Credit Card?
For beginners, Axis Bank Miles & More World Select Credit Card may be more approachable with a lower annual fee of ₹4,500. However, evaluate based on your expected spending pattern rather than fee alone.

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