Axis Bank Magnus vs HDFC RuPay UPI Credit Card
Net value is estimated on a sample monthly spend, ranked by value not commission.
Verdict
On our reference spend profile, Axis Bank Magnus comes out ahead on estimated net value — about ₹41,500/yr more than the HDFC RuPay UPI Credit Card. Your own spending pattern can change this — run the numbers in the rewards calculator.
| Attribute | Axis Bank Magnus Best value | HDFC RuPay UPI Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Annual fee | ₹12,500 / year | No annual fee |
| Welcome bonus | Luxury voucher worth ₹12,500 | — |
| Min. income (monthly) | INR 200,000 | INR 25,000 |
| Reward type | points | cashback |
| Headline rate | — | 3% cashback |
| Bonus categories | dining, travel, international | groceries, upi_spends |
| Lounge access | Yes | No |
| Foreign tx fee | 2% | 3.5% |
| Est. net value / yr | ₹50,380 | ₹8,880 |
| Apply | Apply |
Frequently asked questions
- Axis Bank Magnus vs HDFC RuPay UPI Credit Card: which is better?
- On our reference spend profile the Axis Bank Magnus delivers higher estimated net value than the HDFC RuPay UPI Credit Card in India, so it wins on value. Your own spending pattern may change the result — run both through the rewards calculator.
- What is the annual fee difference between Axis Bank Magnus and HDFC RuPay UPI Credit Card?
- Axis Bank Magnus: ₹12,500 / year. HDFC RuPay UPI Credit Card: No annual fee.
- Which earns more rewards, Axis Bank Magnus or HDFC RuPay UPI Credit Card?
- Axis Bank Magnus earns points; HDFC RuPay UPI Credit Card earns 3% cashback. We rank by net value after fees, not headline rate alone.