Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs Axis Bank Reserve Credit Card vs HDFC Bharat Cashback Credit Card
Honest side-by-side comparison of Axis Bank Magnus Credit Card, Axis Bank Reserve Credit Card, HDFC Bharat Cashback Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹11,822/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | Axis Bank Reserve Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹12,500 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹1,00,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | -₹10,580/yr | ₹5,430/yr |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — |
| Fuel | — | — | 5% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 12 Edge Miles/₹200 | 24 EDGE miles/₹150 | 5% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹250 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | Unlimited domestic & international lounge · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet loads · Insurance |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Magnus Credit Card leads with an estimated ₹17,252/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank Magnus Credit Card
Axis Bank
Axis Bank Reserve Credit Card
Axis Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus Credit Card Axis Bank | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹12,500 | Lifetime free |
| Fee waiver threshold | No waiver published | No waiver published | Lifetime free |
| Min income | ₹1,00,000/mo | ₹1,00,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | -₹10,580/yr | ₹5,430/yr |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — |
| Fuel | — | — | 5% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 12 Edge Miles/₹200 | 24 EDGE miles/₹150 | 5% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹250 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance) | Unlimited domestic & international lounge · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet loads · Insurance |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Axis Bank Magnus Credit Card details →Axis Bank Reserve Credit Card details →HDFC Bharat Cashback Credit Card details →
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