Vyaya
Side-by-Side Comparison|Updated March 2026

Kotak Infinite Credit 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.

Kotak Mahindra Bank

Kotak Infinite Credit Card

8.2/10
Annual FeeFree
Base Rewards0.5599999999999999%
NetworkVisa
View Full Details

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

FeatureKotak Infinite Credit CardAxis Bank Magnus for Burgundy Credit Card
Annual FeeFree₹30,000
Joining FeeFree₹30,000
Fee Waiver SpendN/A₹30,00,000
Base Reward Rate0.5599999999999999%1.2000000000000002%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaMastercard
Editor Rating8.2/109.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Kotak Infinite Credit Card

  • 0% on Travel
  • 0% on Dining

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

Kotak Infinite Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on cardholders
  • 2 complimentary golf rounds every month at premier courses in India
  • Monthly bonus of 800 reward points (worth ₹800) with no spend threshold
  • Low foreign currency markup fee of 2% for international transactions

Cons

  • Low base reward rate of 1 point per ₹125 spent (~0.56% value)
  • Invite-only eligibility restricted to Wealth Management clients
  • Discontinued for new sourcing; available only to existing bank relationships

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

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

Choose Kotak Infinite Credit Card if

Offers unlimited global lounge access and consistent golf benefits without an annual fee for wealth clients.

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: Kotak Infinite Credit Card or Axis Bank Magnus for Burgundy Credit Card?
Axis Bank Magnus for Burgundy Credit Card edges ahead overall with a stronger combination of rewards and value. However, Kotak Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Kotak Infinite Credit Card and Axis Bank Magnus for Burgundy Credit Card?
Kotak Infinite Credit Card has no annual fee, while Axis Bank Magnus for Burgundy Credit Card has an annual fee of ₹30,000. Axis Bank Magnus for Burgundy Credit Card offers a fee waiver on ₹30,00,000 annual spend.
Which card has better rewards: Kotak Infinite Credit Card or Axis Bank Magnus for Burgundy Credit Card?
Kotak Infinite Credit Card offers a base reward rate of 0.5599999999999999% with accelerated rewards on Travel and Dining. 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 Kotak Infinite Credit Card and Axis Bank Magnus for Burgundy Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Kotak Infinite Credit 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: Kotak Infinite Credit Card or Axis Bank Magnus for Burgundy Credit Card?
For beginners, Kotak Infinite Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Kotak Infinite Credit Card vs ICICI Bank Emeralde Private Metal Credit CardAxis Bank Magnus for Burgundy Credit Card vs ICICI Bank Emeralde Private Metal Credit CardKotak Infinite Credit Card vs Axis Bank Reserve Credit CardAxis Bank Magnus for Burgundy Credit Card vs Axis Bank Reserve Credit Card

Explore More

Kotak Infinite Credit Card Full ReviewAxis Bank Magnus for Burgundy Credit Card Full ReviewAll Kotak Mahindra Bank CardsAll Axis Bank CardsBrowse All Credit CardsCredit Card Guides & Tips