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In short: both charge a ₹12,500 annual fee; both include unlimited domestic & international lounge access; both charge a 2% forex markup.
| Key facts | Axis Magnus | HDFC Infinia Metal Edition |
|---|---|---|
| Annual fee | ₹12,500 | ₹12,500 |
| Joining fee | ₹12,500 | ₹12,500 |
| Annual fee waived | On ₹25 lakh annual spend | On ₹10 lakh annual spend |
| Top reward rate | 5X Reward Points on Spends via Travel eDGE | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rewards | 12 eDGE Reward Points Per ₹200 | 5 Reward Points For Every ₹150 Spent |
| Lounge access | Unlimited domestic & international lounge access | Unlimited domestic & international lounge access |
| Forex markup | 2% | 2% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
The Axis Bank Magnus Credit Card and the Infinia Metal Edition Hdfc Credit Card both come with a high joining fee of Rs.12,500 and offer premium travel and lifestyle benefits. Both cards provide unlimited complimentary domestic and international lounge access and a 1% fuel surcharge waiver. While the Axis Bank Magnus focuses on travel-related rewards with its eDGE points system, the HDFC Infinia Metal Edition offers a broader range of accelerated rewards on select brands and platforms.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Axis Bank Magnus Credit Card | Infinia Metal Edition Hdfc Credit Card |
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs.12500 | Joining Fee of Rs.12500 |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.12500 | Renewal Fee of Rs. 12500 |
| Annual fee waiver | Spend Rs.25 Lakhs For Annual Fee Waiver | Spend Rs.10 Lakh For Renewal Fee Waiver |
| Top reward rate | Earn 5X Reward Points on Spends via Travel eDGE | 10X reward points on SmartBuy, IGP.com, Jockey and 1 more |
| Base rate (other spends) | Earn 12 eDGE Reward Points Per Rs.200 | Earn 5 Reward Points For Every Rs.150 Spent |
| Lounge — domestic | Enjoy Unlimited Complimentary Lounge Visits in India | Enjoy Unlimited Complimentary Lounge Visits in India |
| Lounge — international | Enjoy Unlimited Complimentary International Lounge Visits | Enjoy Unlimited Complimentary International Lounge Visits |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | Welcome Benefits - Voucher Worth Rs.12500 | Earn 12500 Reward Points As Welcome Benefit |
| Foreign currency markup | 2% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
For rewards, the Infinia Metal Edition Hdfc Credit Card offers a higher top reward rate of 10X points on select brands like SmartBuy, IGP.com, and Jockey, compared to the Axis Bank Magnus's 5X points on travel spends via Travel eDGE. The Infinia's base rate is 5 points per Rs.150 spent, while Magnus offers 12 eDGE points per Rs.200 spent, with additional accelerated points above Rs.2 lakh monthly spend. The Infinia's varied partner categories may appeal more to shoppers focused on lifestyle and e-commerce rewards, whereas the Magnus card is more travel-centric.
Both cards provide unlimited complimentary access to domestic and international airport lounges, making them equally strong for frequent travelers. The Axis Bank Magnus card’s rewards are more travel-centric, earning 5X points on travel spends, while the Infinia Metal Edition also offers 5X points on flights and 10X on hotels, which may benefit travelers who also shop across lifestyle brands. Forex markup fees are identical at 2% for both cards, and both offer a 1% fuel surcharge waiver, so travel convenience and cost are comparable.
The joining and renewal fees for both cards are Rs.12,500. The Axis Bank Magnus offers an annual fee waiver on spending Rs.25 lakhs, whereas the Infinia Metal Edition requires Rs.10 lakhs spend for renewal fee waiver, making the latter easier to waive. Neither card charges for card replacement. Overall, the Infinia Metal Edition may be more cost-effective for users with moderate high spends due to the lower waiver threshold.
The HDFC Infinia Metal Edition includes a 24x7 global personal concierge service and complimentary golf lessons and games, which are not listed for the Axis Bank Magnus. It also offers a complimentary Club Marriott membership, enhancing lifestyle privileges beyond travel.
The annual fee waiver on the Axis Bank Magnus requires a spend of Rs.25 lakhs, significantly higher than the Rs.10 lakhs spend needed for the Infinia Metal Edition. This makes the Infinia card more accessible for fee waiver through moderate high spending.
Consider Axis Bank Magnus Credit Card if you prioritize a travel-focused rewards program with strong accelerated points on travel spends and if you are a very high spender aiming to maximize rewards through the eDGE points system. Its unlimited international and domestic lounge access complements frequent travelers who value premium airport experiences.
Consider Infinia Metal Edition Hdfc Credit Card if you want a versatile rewards program that offers high points on a variety of lifestyle brands and e-commerce platforms alongside travel benefits. It also suits those looking for a lower annual fee waiver threshold and additional perks like complimentary golf lessons and Club Marriott membership.
Both the Axis Bank Magnus Credit Card and the Infinia Metal Edition Hdfc Credit Card have a joining fee of Rs.12,500.
Yes, both cards provide unlimited complimentary lounge visits in India and internationally.
Both cards charge a 2% forex markup fee on foreign currency transactions.
The Axis Bank Magnus card waives the annual fee if you spend Rs.25 lakhs in a year, while the Infinia Metal Edition waives the renewal fee on Rs.10 lakhs annual spend.
Axis Bank Magnus offers 5X reward points on travel spends via Travel eDGE, while the Infinia Metal Edition provides 5X points on flights and 10X points on hotels, making both strong for travel but with different partner focuses.
The Infinia Metal Edition offers global concierge services, complimentary golf lessons and games, and Club Marriott membership, which are not listed for the Axis Bank Magnus.