Axis Bank
WorldElite · Magnus
Axis Bank Magnus Credit Card
Axis Bank
Ultra-premium rewards & unlimited lounge access for the elite
Annual Fee
₹12,500
Joining Fee
₹12,500
Reward Rate
1.2%
Forex Markup
2%
Value Analysis
Annual Net Value
₹1,35,250
Total Annual Benefits
₹1,50,000
Total Annual Charges
₹14,750
ROI
917%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (2)
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
- • Primary cardholder only
Unlimited
₹1,30,000/yr
Unlimited International Lounge Access
Unlimited international airport lounge visits via Priority Pass
- • Priority Pass membership included
Unlimited
₹1,82,000/yr
Reward Points (1)
Edge Reward Points on All Spends
12 Edge Reward points per ₹200 spent on all transactions
12 ER per ₹200
Concierge Services (1)
24/7 Concierge Services
Dedicated personal concierge for travel, dining, and lifestyle assistance
Included
Golf Privileges (1)
Golf Privileges
Complimentary golf rounds at premium courses across India
- • Booking required in advance
- • Select golf courses only
Up to 12 rounds/year
₹60,000/yr
Dining Benefits (1)
Dining Privileges
Up to 20% off at premium partner restaurants
- • Select partner restaurants
- • Prior reservation recommended
Up to 20% off
Travel Benefits (1)
Low Forex Markup
Only 2% currency markup on international transactions
2%
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹400–₹4,000
- • Valid on transactions ₹400–₹4,000
- • Max ₹400 per statement cycle
1% waiver
₹4,800/yr
Reward Program
Program
Axis Edge Reward Points
12 ER per ₹200
Effective cashback: 1.20%
Points expire: 3 years from date of accrual
Redemption Options
- → Flights & Hotels via Edge Rewards portal
- → Air Miles transfer (Vistara, Singapore Airlines, etc.)
- → Products & Gift Vouchers
- → Statement credit
Milestone Bonuses
25,000 bonus Edge Reward points on spending ₹15 Lakh annually
Spend ₹15,00,000 annually
25,000 Edge Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹12,500 Excluding GST at 18% |
| Annual Fee | ₹12,500 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 2%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹1,200
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹400/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹1,50,000
- Min. Annual Income
- ₹18,00,000
- Min. Credit Score
- 750
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹1.5 Lakh
- • Self-Employed: ITR > ₹18 Lakh p.a.
- • Age 21–65 years
- • Excellent credit history required
Insurance Coverage
Accidental Death
₹5.0 Cr
Permanent Disability
₹5.0 Cr
Travel Insurance
₹50.0 L
Lost Card Liability
₹25.0 L
Report within 24h
Air Accident Cover
₹5.0 Cr
Purchase Protection
₹2.5 L
90 days
- • Air accident cover: ₹5 Crore
- • Purchase protection: ₹2.5 Lakh for 90 days
- • Credit liability cover: ₹25 Lakh
- • Travel insurance: ₹50 Lakh
Airport Lounge Access
Domestic
-1 visits/year
Unlimited
~₹2,500/visit
International
-1 visits/year
Unlimited via Priority Pass
~₹3,500/visit
Priority Pass Dreamfolks
- • Unlimited domestic lounge access for primary cardholder
- • Unlimited international lounge access via Priority Pass
- • Guest visits charged separately
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹10,00,000
Contactless / Txn
₹5,000
Features
Metal card Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility 24/7 concierge Golf privileges Dining privileges Priority Pass membership
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Axis Magnus Credit Card is a super-premium credit card offering 12 Edge Reward points per ₹200 on all spends, unlimited domestic and international...
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