![Axis Bank Magnus Credit Card Review [2025 Edition]](https://cardsavvyindia.com/wp-content/uploads/2025/10/Axis-Bank-Magnus-Credit-Card-Review-2025-Edition-1024x512.jpg)
The Axis Bank Magnus Credit Card is one of India’s most prestigious lifestyle and travel credit cards.
Packed with benefits like airport lounge access, flight vouchers, concierge service, and accelerated EDGE reward points, this card caters to high-income individuals who value luxury, travel perks, and convenience.
In this 2025 review, let’s explore the features, benefits, eligibility, and whether the Magnus card is still worth it after Axis Bank’s reward structure changes.
🏦 Axis Bank Magnus Credit Card — Overview
| Feature | Details |
|---|---|
| Annual Fee | ₹12,500 + GST |
| Best For | Frequent travellers & high-spending users |
| Welcome Benefit | Tata CLiQ / Luxe gift voucher worth ₹12,500 |
| Reward Rate | Up to 12 EDGE Reward Points per ₹200 spent |
| Airport Lounge Access | Unlimited domestic + 8 international per year |
| Forex Markup | 2% |
| Concierge Services | Yes (24×7) |
| Add-on Cards | Free lifetime |
✈️ 1. Travel & Lounge Access Benefits
- Domestic Lounges: Unlimited access for primary and add-on cardholders.
- International Lounges: 8 complimentary Priority Pass visits/year.
- Airport Concierge: 8 complimentary airport meet-and-greet services per year.
💡 Perfect for frequent flyers — especially business travelers.
🎁 2. Welcome & Milestone Benefits
- Welcome Voucher: Worth ₹12,500 (Tata CLiQ, Luxe, or equivalent).
- Milestone Benefits:
- ₹10,000 flight/hotel voucher on ₹1 lakh monthly spend.
- Additional vouchers on higher annual spends.
➡️ Effectively offsets the annual fee if you spend ₹1 lakh+ per month.
🏆 3. Reward Points & Earning Potential
- Earn 12 EDGE Reward Points per ₹200 spent on retail and travel.
- Redeem points for flights, hotels, luxury goods, or statement credit.
- Value: 1 EDGE point = ₹0.20 (approx), giving up to 1.2% effective return.
- Extra 5X rewards via Axis TravelEdge portal partners (Taj, MakeMyTrip, etc.).
✅ Higher redemption value when used for travel-related spends.
🍽️ 4. Lifestyle & Dining Privileges
- EazyDiner Prime Membership worth ₹2,995 free.
- Up to 25% off dining bills at partner restaurants.
- Access to Axis Bank “Grab Deals” and “Dining Delights” offers.
💼 5. Insurance & Protection
| Coverage Type | Value |
|---|---|
| Air Accident | ₹2 crore |
| Credit Shield | ₹5 lakh |
| Loss of Baggage / Delay | ₹55,000 |
| Fraud Liability Cover | ₹3 lakh |
⚙️ 6. Fees & Charges
| Type | Amount |
|---|---|
| Joining / Renewal Fee | ₹12,500 + GST |
| Finance Charges | 3.6% per month |
| Forex Markup | 2% |
| Cash Advance Fee | 2.5% (min ₹500) |
| Reward Redemption Fee | ₹99 per redemption |
👍 Pros and Cons
| ✅ Pros | ❌ Cons |
|---|---|
| Excellent travel & luxury benefits | High income requirement |
| Lounge + Concierge combo unmatched | Annual fee ₹12,500 (non-waivable) |
| Generous milestone rewards | Not ideal for small spenders |
| Premium brand image | EDGE points have moderate value |
💡 Who Should Apply
The Axis Magnus is ideal for:
- Frequent flyers who spend ₹1L+ per month.
- Business professionals who value comfort, rewards, and concierge.
- Existing premium cardholders (HDFC Infinia, SBI Elite) seeking diversification.
💡 Avoid if your monthly spend is under ₹40K — you won’t fully recover the annual fee.
🏁 Final Verdict
The Axis Bank Magnus Credit Card remains one of the most rewarding premium cards in India (2025).
If you travel frequently, its lounge access, milestone vouchers, and luxury benefits easily justify the annual fee.
If you want premium travel perks with a lower fee, consider HDFC Regalia Gold or IDFC FIRST Wealth Card.