Side-by-side · honest numbers
Axis Bank Magnus Credit Card vs SBI Card MILES vs Standard Chartered Smart Card
Honest side-by-side comparison of Axis Bank Magnus Credit Card, SBI Card MILES, Standard Chartered Smart 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 Standard Chartered Smart Card by about ₹13,521/yr.
| Feature | Axis Bank Magnus Credit Card Axis Bank | SBI Card MILES SBI Card | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹1,499 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹1,00,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹3,290/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 12 Edge Miles/₹200 | 6X reward points | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | 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 | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹25,000 | ₹2,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Smart Card has the lowest annual fee at ₹499.
- 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?
- Standard Chartered Smart Card lists a minimum monthly income of ₹30,000.
- 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
SBI Card MILES
SBI Card
Standard Chartered Smart Card
Standard Chartered
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 | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹1,499 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | No waiver published |
| Min income | ₹1,00,000/mo | ₹35,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹17,252/yr | ₹3,290/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 12 pts per ₹200 spend → ₹120/mo (₹1,440/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) | — |
| Top reward rate | 12 Edge Miles/₹200 | 6X reward points | 2% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | 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 | Fuel · Rent · Wallet · EMI | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹25,000 | ₹2,000 | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-magnus-vs-sbi-card-miles-vs-sc-smartMore 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