Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs IDFC FIRST HPCL Power+ Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Axis Bank Magnus Credit Card, IDFC FIRST HPCL Power+ Credit Card, SBI Card against Fixed Deposit — 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 IDFC FIRST HPCL Power+ Credit Card by about ₹13,892/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹499 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹3,360/yr | ₹1,770/yr |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — | — |
| Top reward rate | 12 Edge Miles/₹200 | 30 pts/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | No monthly cap published |
| 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) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Rent · Wallet · Insurance | Not stated |
| Bonuses | |||
| Signup bonus | ₹25,000 | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit 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?
- IDFC FIRST HPCL Power+ Credit Card lists a minimum monthly income of ₹20,000.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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
IDFC FIRST HPCL Power+ Credit Card
IDFC FIRST Bank
SBI Card against Fixed Deposit
SBI Card
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 | IDFC FIRST BankGold IDFC FIRST HPCL Power+ Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST HPCL Power+ Credit Card Top reward30 pts/₹150 Annual fee₹499 Min income₹20,000/mo Tap to flip back IDFC FIRST HPCL Power+ Credit Card IDFC FIRST Bank | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹499 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹1,50,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹20,000/mo | Not stated |
| Secured / FD-backed | Standard | Standard | FD-backed |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹3,360/yr | ₹1,770/yr |
| Groceries (offline) | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) | — |
| Fuel | — | 30 pts per ₹150 spend → ₹200/mo (₹2,400/yr) | — |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — | — |
| Top reward rate | 12 Edge Miles/₹200 | 30 pts/₹150 | 80% of FD value |
| Primary reward cap | No monthly cap published | ₹5,000 eligible spend/mo | No monthly cap published |
| 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) | None | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Rent · Wallet · Insurance | Not stated |
| Bonuses | |||
| Signup bonus | ₹25,000 | ₹500 | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-magnus-vs-idfc-hpcl-power-plus-vs-sbi-fd-securedMore Axis Bank Magnus Credit Card comparisons
- Axis Bank Magnus Credit Card vs 811 Dream Different Credit Card
- Axis Bank Magnus Credit Card vs AU Altura Credit Card
- Axis Bank Magnus Credit Card vs AU Zenith Credit Card
- Axis Bank Magnus Credit Card vs American Express Gold Card
- Axis Bank Magnus Credit Card vs American Express Platinum Travel Card
- Axis Bank Magnus Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Magnus Credit Card vs Amex Membership Rewards CC
- Axis Bank Magnus Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank Magnus Credit Card vs Axis Bank My Zone Credit Card