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Axis Bank Magnus Credit Card vs YES ACE Credit Card

Honest side-by-side comparison of Axis Bank Magnus Credit Card, YES ACE Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Axis Bank Magnus Credit Card

Axis Bank

YES ACE Credit Card

YES Bank

Your adjusted comparison

Feature
Axis Bank Magnus Credit Card

Axis Bank Magnus Credit Card

Axis Bank

YES ACE Credit Card

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹12,500₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹1,00,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹11,102/yr₹3,401/yr
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Travel₹3,000 → 180 pts/mo × ₹0.40/pt = ₹72/mo (₹864/yr)—
Top reward rate12 Edge Miles/₹2004% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
Perks & restrictions
Lounge accessUnlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · JewelleryEMI · Rent
Bonuses
Signup bonus₹25,000—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Axis Bank Magnus Credit Card details →YES ACE Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, YES ACE Credit Card leads Axis Bank Magnus Credit Card by about ₹14,503/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Axis Bank Magnus Credit Card vs YES ACE Credit Card comparison table
FeatureAxis Bank Magnus Credit Card

Axis Bank

YES ACE Credit Card

YES Bank

Fees & eligibility
Annual fee₹12,500₹499
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹1,00,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹11,102/yr₹3,401/yr
Fuel—₹3,000 × 4% = ₹120/mo (₹1,440/yr) · issuer max ₹1,000/mo
Travel₹3,000 → 180 pts/mo × ₹0.40/pt = ₹72/mo (₹864/yr)—
Top reward rate12 Edge Miles/₹2004% cashback
Primary reward capNo monthly cap published₹1,000 eligible spend/mo
Perks & restrictions
Lounge accessUnlimited domestic + 8 international/year · ₹50,000 spend in previous 3 calendar months for domestic lounge (waived first 3 months on new issuance)None
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · JewelleryEMI · Rent
Bonuses
Signup bonus₹25,000—

Frequently asked questions

Which card has the lower annual fee?
YES ACE Credit Card has the lowest annual fee at ₹499.
Which card earns more on moderate spend?
YES ACE Credit Card leads with an estimated ₹3,401/yr net annual value on moderate spend.
Which card has the lower income requirement?
YES ACE Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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