Head-to-head

HDFC Bank Infinia Metal Edition Credit Card vs Axis Bank Magnus Credit Card

The super-premium heavyweight bout — points engines, lounges and ₹12,500 fees.

HDFC Bank Infinia Metal Edition Credit Card

HDFC Bank

4.9

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Axis Bank Magnus Credit Card

Axis Bank

4.3

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Our verdict

Provisional comparison: some conditions or reward ceilings still need verification. Treat the figures as examples, not a definitive winner.

On estimated renewal-year value (rewards + milestones − applicable fee including GST), the Axis Bank Magnus Credit Card wins 2 of our 3 modelled spending patterns. The HDFC Bank Infinia Metal Edition Credit Card takes the rest — so the right answer still depends on your mix. For a personal answer, put your real numbers into the recommender.

Net annual value, three ways

Ordinary eligible purchases, with no specific merchant channel assumed. Fees include GST after modelled waivers; only modelled milestones are included. Unsupported UPI earns zero. Welcome bonuses, transaction rounding and redemption costs are excluded. Methodology

Spending pattern	HDFC Bank Infinia Metal Edition Credit Card	Axis Bank Magnus Credit Card	Higher estimate
Everyday spender₹35,000/mo	₹-11,630/yr	₹-11,582/yr	Axis Bank Magnus
Online-first shopper₹55,000/mo	₹-9,110/yr	₹-8,702/yr	Axis Bank Magnus
Frequent traveller₹1,10,000/mo	₹10,440/yr	₹-3,374/yr	HDFC Bank Infinia

Side by side

	HDFC Bank Infinia Metal Edition Credit Card	Axis Bank Magnus Credit Card
Joining fee	₹12,500	₹12,500
Annual fee	₹12,500	₹12,500
Fee waiver	Renewal fee waived on spends of ₹10 lakh or more in the preceding 12 months	Annual fee waived on spends of ₹25,00,000 in the previous year. The qualifying spend excludes rent, wallet loads, utilities, government institutions, EMI conversions, cash withdrawals, reversals and fees and charges (from 1 September 2023), insurance, gold and jewellery and fuel (from 20 April 2024), and gift cards, bridge fees and road fees and tolls (from 28 August 2026). Nil joining and annual fee for customers with a Burgundy Salary Account opened on or after 1 July 2026. The Burgundy Salary offer also requires the qualifying first salary credit of ₹2 lakh or more; account opening alone is insufficient.
Top reward rate	10%	6%
Base reward rate	1%	1.2%
Welcome bonus value	₹3,750	₹12,500
Forex markup	2%	2%
Lounge access	—	—
Min salaried income	—	₹24,00,000/yr
Our rating	4.9 / 5	4.3 / 5

Verified 2026-09-10 (HDFC Bank) · 2026-09-10 (Axis Bank). Confirm current terms on the issuer's site.

Frequently asked

Is the HDFC Bank Infinia Metal Edition Credit Card better than the Axis Bank Magnus Credit Card?

For most of the spending patterns we model, the Axis Bank Magnus Credit Card comes out ahead on net annual value (rewards minus fees). The HDFC Bank Infinia Metal Edition Credit Card still wins for some profiles — check the persona table for the pattern closest to yours.

Which card has the lower annual fee?

Both carry the same annual fee of ₹12,500.

Can I hold both cards?

Yes — banks assess each application independently, and pairing complementary cards is a common strategy. Mind the combined fees, your credit utilisation, and space out applications so multiple hard enquiries don't dent your score.

How is the net value calculated?

We estimate eligible ordinary rewards and modelled milestones, then subtract the renewal fee including GST after any modelled qualifying-spend waiver. Welcome bonuses and unconfirmed conditions are excluded. No merchant channel is assumed. Incomplete rules or caps make a comparison provisional; see the methodology.

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