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Comparison · हिन्दी

YES FIRST Preferred vs Axis Magnus

Both cards compared on real rupee returns for best premium credit card India YES vs Axis Magnus lifestyle vs travel. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
YES
FIRST PREFERRE
ASHOK KUMAR
VS
AXIS
MAGNUS
ASHOK KUMAR
Our verdict
YES FIRST Preferred Credit Card wins for most people
Card A wins with ₹5,461 annual benefit versus Card B's -₹548 loss. For your ₹32,000 monthly spend, Card A's lower fee and higher rewards on retail purchases deliver superior value.
Side-by-side comparison
YES FIRST Preferred Credit Card ✓ Axis Magnus Credit Card
Annual benefit ₹5,461 -₹548
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹3,00,000/year 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 → 2% on all retail spends (8 RP per ₹200, 1 RP = ₹0.25); 1% on utilities/grocery/tax (4 RP); Priority Pass lounge; 4 intl + 8 domestic lounges 12 EDGE Miles per ₹200; 5X on 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/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass 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 Premium lifestyle card with domestic and international lounge access, golf and movie benefits at mid-range fee Premium travel and miles
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year ₹18L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
YES FIRST Preferred Credit Card
Choose Card A when you value lounge access, want meaningful rewards on everyday shopping and dining, and can easily cross ₹3L annual spend for fee waiver. Its 2% retail rewards align perfectly with your ₹26,000 monthly non-utility spending.
Axis Magnus Credit Card
Card B suits heavy international travelers earning significant miles through 5X travel partner multipliers and those comfortable paying premium fees for aspirational travel benefits, not your current spend pattern.
Who should get which card
Get YES FIRST Preferred if you…
· Lower fee (₹1,499 vs ₹12,500) with easier waiver at ₹3L spend
· 2% rewards on shopping, dining, and travel categories matching your profile
· 12 complimentary lounge access (4 international + 8 domestic)
· Positive annual benefit of ₹5,461 on your exact spending
Get Axis Magnus if you…
· Premium travel card with 5X miles on airline/hotel partners
· Better for frequent international travelers maximizing miles
· Prestige and premium lifestyle benefits beyond rewards
· Only if annual spend exceeds ₹25L to offset high 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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Related guides
Axis Magnus vs Kotak White Reserve →HDFC Regalia vs Axis Magnus →Axis Magnus vs Axis Bank Atlas →Axis ACE vs Axis Magnus →Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →
Frequently asked questions
Based on our analysis, YES FIRST Preferred Credit Card offers better annual returns for most spend profiles.
YES FIRST Preferred Credit Card has an annual fee of ₹1,499 + taxes (waived on ₹3,00,000/year spend). Axis Magnus Credit Card has an annual fee of ₹12,500 + taxes (waived on ₹25L spend).
YES FIRST Preferred Credit Card offers 2% on all retail spends (8 RP per ₹200, 1 RP = ₹0.25); 1% on utilities/grocery/tax (4 RP); Priority Pass lounge; 4 intl + 8 domestic lounges. Axis Magnus Credit Card offers 12 EDGE Miles per ₹200; 5X on travel partners.
YES FIRST Preferred Credit Card lounge access: 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass. Axis Magnus Credit Card lounge access: Unlimited (domestic + international).
YES FIRST Preferred Credit Card charges 3.5% forex markup. Axis Magnus Credit Card charges 2% forex markup.