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Comparison · हिन्दी

Axis Select vs Axis Magnus

Axis Select costs ₹3,000 a year and Axis Magnus ₹12,500. We ran them on the same ₹48,000 monthly spend and compared rewards, fees, lounge access and forex markup.

Updated · Terms checked by Prashant Parikh
AXIS
SELECT
ASHOK KUMAR
VS
AXIS
MAGNUS
ASHOK KUMAR
Our verdict
Axis Bank Select Credit Card wins for most people
Axis Select wins with a net benefit of ₹3,120 a year, while Axis Magnus loses ₹5,588 after its ₹12,500 fee. Axis Select earns 2% on groceries and has a much lower ₹3,000 fee.
Side-by-side comparison
Axis Bank Select Credit Card ✓ Axis Magnus Credit Card
Annual benefit ₹3,120 -₹5,588
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹3,000 + GST joining and annual (waived on ₹8L annual spend) ₹12,500 + taxes (waived on ₹25L spend)
Issued by Axis Bank Axis Bank
Network Visa Visa Infinite
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10 EDGE Reward Points per ₹200 (about 1%) on eligible spends; 2X, 20 points per ₹200 (about 2%), on retail shopping (department, grocery and clothing stores) up to ₹20,000 a month; no points on fuel, insurance, rent, gold, government, education, utilities, telecom, wallets, gift cards or tolls. Axis values 10,000 EDGE Points at ₹2,000, so 1 point is worth ₹0.20 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 → 2 domestic visits a quarter on ₹50,000 spend in the previous 3 months (not needed in the first 3 months), plus Priority Pass with 6 international visits a year, 12 on ₹3 lakh annual 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 Higher spenders (₹6L+ income) who will spend ₹3L+ a year and want Priority Pass with up to 12 international lounge visits, plus 2% on grocery and department store spends Premium travel and miles
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹6,00,000+ 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 Bank Select Credit Card
Axis Select is the better choice at this ₹48,000 monthly spend. Its 2% on groceries and low fee leave you ahead, while Axis Magnus's higher fee wipes out its slightly higher 1.2% rate.
Axis Magnus Credit Card
Axis Magnus suits you if unlimited lounge access worldwide matters most. It also offers 5X points on Travel EDGE bookings and a low 2% forex markup, but you need far heavier spends to justify its fee.
Who should get which card
Get Axis Bank Select if you…
· You spend around ₹8,000 a month on groceries and want 2% points
· You want a lower ₹3,000 annual fee
· You value Priority Pass with 6 international lounge visits a year, 12 on ₹3 lakh annual spend
· You want a 10,000 EDGE Points welcome benefit worth ₹2,000
Get Axis Magnus if you…
· You want unlimited domestic and international lounge access
· You book travel through Travel EDGE and want 5X points
· You want a low 2% forex markup and airport meet and greet
· You spend far more each month and can offset the ₹12,500 fee
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Axis Select comes out ahead on a typical ₹48,000 monthly spend (₹15,000 on shopping, ₹8,000 on dining, ₹12,000 on travel, ₹8,000 on groceries and ₹5,000 on bills): it returns about ₹3,120 a year after fees, against a loss of ₹5,588 for Axis Magnus. Axis Magnus suits you if unlimited lounge access worldwide matters most.
Axis Select costs ₹3,000 + GST joining and annual (waived on ₹8L annual spend). Axis Magnus costs ₹12,500 + taxes (waived on ₹25L spend). Axis Select is cheaper to hold, by ₹9,500 a year before any waiver.
In our yearly figures, Axis Select earns 2% on groceries (up to a monthly cap); 1% on shopping, dining, travel and other spends; nothing on fuel and bills. Axis Magnus earns 1.2% on shopping, dining, travel, groceries, bills and other spends; nothing on fuel. Full reward rules, caps and exclusions are in the comparison table above.
Axis Select: 2 domestic visits a quarter on ₹50,000 spend in the previous 3 months (not needed in the first 3 months), plus Priority Pass with 6 international visits a year, 12 on ₹3 lakh annual spend. Axis Magnus: Unlimited (domestic + international).
Axis Magnus is cheaper abroad: it charges 2% forex markup, against 3.5% on Axis Select.
Both are issued by Axis Bank: Axis Select on Visa and Axis Magnus on Visa Infinite.
Income needed for Axis Select: ₹6,00,000+ per year. For Axis Magnus: ₹18L+ per year.