Card Details
Axis Bank Magnus Credit Card
Monzy Score
8/ 10
Very good for frequent travellers.
The ~₹12,500 fee needs heavy spend to justify; strong ~12% back in its core category.
Card Issuer
Axis Bank
Joining Fee
₹12,500
Annual Fee
₹12,500
Reward Type
Reward Points
Card Access
Standard
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Earn Points
60pts
/₹200 on Travel Edge Portal Spends
2%
Forex Markup on Intl Transactions
35pts
/₹200 on Spends Above ₹1.5L/Month
5x
Rewards on Spends via Travel Edge Platform
Benefits
Up to 60 EDGE points per ₹200 on Travel EDGE
- Premium lounge program
- Unlimited complimentary international airport lounge visits for the primary cardholder
- 4 complimentary Priority Pass guest visits every year
- Unlimited domestic lounge visits for primary and add-on cardholders after ₹50,000 spend in the previous three months
- Domestic lounge access condition is waived only for the first three months after issuance
- Guest visits are capped at four per calendar year
Up to 35 EDGE RP/₹200 plus 5X on Travel EDGE
- High earn rates for heavy spenders
- Earn 12 EDGE RP per ₹200 on monthly spends up to ₹1.5 lakh
- Earn 35 EDGE RP per ₹200 once monthly spends cross ₹1.5 lakh
- Travel EDGE bookings earn 60 EDGE RP per ₹200 up to ₹2 lakh monthly
- No EDGE Reward Points on fuel, insurance, utilities, government payments, telecom, wallet reloads, gold/jewellery and rent spends beyond ₹50,000 monthly
Annual fee waiver on ₹25 lakh spend
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, gold_jewellery, government
Estimated Returns
Regular spends (up to Rs 1.5L/month)
12 EDGE points per Rs 200 on cumulative monthly spends up to Rs 1.5L.
₹360
Spends above Rs 1.5L/month
35 EDGE points per Rs 200 on incremental monthly spends beyond Rs 1.5L; accelerated points subject to monthly cap per latest T&C.
₹0
Travel EDGE portal
60 EDGE points per Rs 200 on Travel EDGE portal, up to Rs 2L/month.
₹0
Total Annual Return
₹4,320
1.2% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“Axis Magnus Review”
by r/CreditCardsIndia, Jul 2024
“Axis MAGNUS credit card”
by r/CreditCardsIndia, May 2026
“Regretting My Axis Magnus Credit Card Application? Need”
by r/CreditCardsIndia, Jul 2025
“Got LTF Axis Magnus Credit Card in salary account”
by r/CreditCardsIndia, Jun 2026
“HORIZON vs Magnus — Which Pre-Approved Credit Card”
by r/CreditCardsIndia, Feb 2026
Frequently Asked Questions
The AXIS BANK MAGNUS Credit Card charges ₹12,500 plus GST as a joining fee and the same ₹12,500 again at renewal. Axis Bank waives the renewal fee if you spend ₹25L in the previous year, which is about ₹2,08,333 a month. If your card spend sits below that, treat ₹12,500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Domestic lounge access beyond the first 3 months requires ₹50,000 spend in the preceding 3 months.
Priority Pass guest lounge visits are limited to 4 per calendar year from 20 April 2024.
No EDGE Reward Points on fuel, insurance, utilities, government payments, telecom, wallet reloads, gold and jewellery, and rent spends beyond ₹50,000 per month.
Complimentary guest visits for lounge access have been revised from 8 to 4 per year (effective 20th April 2024).
