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Comparison · हिन्दी

Axis ACE vs Axis Magnus

Both cards compared on real rupee returns for Axis card comparison: everyday cashback vs premium rewards. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
AXIS
ACE
ASHOK KUMAR
VS
AXIS
MAGNUS
ASHOK KUMAR
Our verdict
Axis ACE Credit Card wins for most people
Card A wins decisively with ₹5,501 annual benefit versus Card B's -₹9,332 loss. For your ₹24k monthly spend, the ACE card's straightforward cashback structure outperforms Magnus's premium positioning.
Side-by-side comparison
Axis ACE Credit Card ✓ Axis Magnus Credit Card
Annual benefit ₹5,501 -₹9,332
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹2L annual spend) ₹12,500 + taxes (waived on ₹25L spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends 12 EDGE Reward points per ₹200 on monthly spends up to ₹1.5 lakh and 35 per ₹200 above that; 5X on Travel EDGE bookings; 5 points transfer to 2 partner miles across 20 travel partners
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend) Unlimited (domestic + international)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2%
Best for Utility bill payments and everyday flat cashback Premium travel and miles
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Axis ACE Credit Card
Choose Card A if you prioritize immediate cashback rewards and want fee-free banking. Its 5% utility cashback and broad 1.5% coverage on all spends deliver consistent value for moderate spenders.
Axis Magnus Credit Card
Card B suits only those with significantly higher spend (₹25L+ annually) or exclusive focus on premium travel redemptions. Magnus's high fee and complex EDGE points system don't justify returns at your current spend level.
Who should get which card
Get Axis ACE if you…
· Direct cashback with no redemption hassle or point devaluation
· Annual fee waived at ₹2L spend—easily achievable with your profile
· Superior value for dining, utilities, and everyday purchases
· No minimum spend requirements to activate benefits
Get Axis Magnus if you…
· Only if you spend ₹25L+ annually and frequently book premium travel
· Serious frequent flyers who maximize miles transfer partnerships
· Those eligible for Axis Bank's premium concierge services
· Members already committed to premium banking ecosystems
Partner offer
HDFC Millennia Credit Card
Everyday online shopping with a modest, capped cashback
Apply now →
HDFC
ASHOK KUMAR

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Related guides
Axis Magnus vs Kotak White Reserve →HDFC Millennia vs Axis ACE →Axis ACE vs SBI Cashback →HDFC Regalia vs Axis Magnus →Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Axis ACE Credit Card offers better annual returns for most spend profiles.
Axis ACE Credit Card has an annual fee of ₹499 + taxes (waived on ₹2L annual spend). Axis Magnus Credit Card has an annual fee of ₹12,500 + taxes (waived on ₹25L spend).
Axis ACE Credit Card offers 5% cashback on utility bills via Google Pay; 4% on Swiggy, Zomato, Ola; 1.5% on all other spends. Axis Magnus Credit Card offers 12 EDGE Reward points per ₹200 on monthly spends up to ₹1.5 lakh and 35 per ₹200 above that; 5X on Travel EDGE bookings; 5 points transfer to 2 partner miles across 20 travel partners.
Axis ACE Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend). Axis Magnus Credit Card lounge access: Unlimited (domestic + international).
Axis ACE Credit Card charges 3.5% forex markup. Axis Magnus Credit Card charges 2% forex markup.