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Side-by-Side Comparison|Updated March 2026

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

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank BizBlack Metal Card

9.2/10
Annual Fee₹10,000
Base Rewards1%
NetworkDiners Club
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Axis Bank

Axis Bank Magnus for Burgundy Credit Card

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

Feature-by-Feature Comparison

FeatureHDFC Bank BizBlack Metal CardAxis Bank Magnus for Burgundy Credit Card
Annual Fee₹10,000₹30,000
Joining Fee₹10,000₹30,000
Fee Waiver Spend₹7,50,000₹30,00,000
Base Reward Rate1%1.2000000000000002%
Reward CurrencyReward PointsEDGE Reward Points
NetworkDiners ClubMastercard
Editor Rating9.2/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank BizBlack Metal Card

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

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)

Pros & Cons

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.

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.

Our Verdict

Both HDFC Bank BizBlack Metal Card and Axis Bank Magnus for Burgundy Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank BizBlack Metal Card if

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

Choose Axis Bank Magnus for Burgundy Credit Card if

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

Frequently Asked Questions

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