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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Infinia Metal 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 - Infinia Metal

9.5/10
Annual Fee₹12,500
Base Rewards1.0989%
NetworkVisa
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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 - Infinia MetalAxis Bank Magnus for Burgundy Credit Card
Annual Fee₹12,500₹30,000
Joining Fee₹12,500₹30,000
Fee Waiver Spend₹10,00,000₹30,00,000
Base Reward Rate1.0989%1.2000000000000002%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaMastercard
Editor Rating9.5/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Infinia Metal

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

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 - 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.

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 - Infinia Metal 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 - Infinia Metal if

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

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 - Infinia Metal or Axis Bank Magnus for Burgundy Credit Card?
Both HDFC Bank - Infinia Metal 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 - Infinia Metal and Axis Bank Magnus for Burgundy Credit Card?
HDFC Bank - Infinia Metal has an annual fee of ₹12,500, while Axis Bank Magnus for Burgundy Credit Card has an annual fee of ₹30,000. HDFC Bank - Infinia Metal offers a fee waiver on ₹10,00,000 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 - Infinia Metal or Axis Bank Magnus for Burgundy Credit Card?
HDFC Bank - Infinia Metal offers a base reward rate of 1.0989% with accelerated rewards on SmartBuy Flights & Hotels and SmartBuy Other Categories. 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 - Infinia Metal and Axis Bank Magnus for Burgundy Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Infinia Metal 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 - Infinia Metal or Axis Bank Magnus for Burgundy Credit Card?
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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