Axis Magnus vs HDFC IndianOil Credit Card
Detailed comparison of these two popular credit cards
Winner
Axis Magnus
Axis Bank
Super PremiumVS
HDFC IndianOil Credit Card
HDFC Bank
Mid-Range*
Different Reward Types
Card 1 gives ⭐ Reward Points while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹13K vs ₹500
Effective Rate
(cash value)
3.0% vs 5.0%
Lounge Access
Unlimited vs None
Detailed Comparison
| Feature | Axis Magnus | HDFC IndianOil Credit Card |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹13K | ₹500 |
| Annual Fee | ₹13K | ₹500 |
| Fee Waiver | Spend ₹25L annually | Spend ₹50K annually |
| Forex Markup | 2% | - |
Rewards | ||
| Reward Type | ⭐Reward Points | ⛽Fuel Points |
| Effective Cash Value | 3% | 5% |
Lounge Access | ||
| Domestic Lounges | Unlimited | None |
| Priority Pass | Yes | - |
Eligibility | ||
| Min. Income | ₹24.0L | ₹3.0L |
Axis Magnus is Best For
Travelers with high spend
Watch Out
- • Monthly milestone benefit discontinued
- • Two major devaluations in 2024-25
HDFC IndianOil Credit Card is Best For
IndianOil loyalists spending ₹5K/month on fuel
Watch Out
- • Only works at IndianOil pumps
- • Max benefit ₹250/month (effective ~0.5% on ₹50K fuel spend)
Our Verdict
Based on overall features and value,
Axis Magnus wins!
Score: 76vsScore: 64
