Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs Kotak Urbane Gold Credit Card vs slice credit card
Honest side-by-side comparison of Axis Bank Magnus Credit Card, Kotak Urbane Gold Credit Card, slice 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 slice credit card by about ₹13,742/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹1,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹140/yr | ₹3,510/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — | — |
| Top reward rate | 12 Edge Miles/₹200 | 3X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| 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) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- slice 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?
- slice 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
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
slice credit card
Slice
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 | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | SliceGold slice credit card •••• •••• •••• 4242 Quick facts slice credit card Top rewardUp to 1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back slice credit card Slice |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹1,999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹30,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹140/yr | ₹3,510/yr |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | — | — |
| Top reward rate | 12 Edge Miles/₹200 | 3X reward points | Up to 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹500 eligible spend/mo |
| 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) | Earns: Up to 1% cashback on eligible spends · cap ₹500/month cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Jewellery | EMI · Fuel · Rent | Rent · Wallet loads · EMI |
| Bonuses | |||
| Signup bonus | ₹25,000 | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-magnus-vs-kotak-urbane-vs-slice-credit-cardMore 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