Axis Magnus Credit Card

IDFC FIRST Dual Indigo Credit Card

Best For

Shopping

Airport Lounge

Travel

Best For

Shopping

Travel

Utility Bills

Cashback

APPLY AND GET1750 GIFT CARD

Cashback

APPLY AND GET750 GIFT CARD

Top Benefits

  • choose from Luxe Gift Card, The Postcard Hotels Gift Voucher, or Yatra Gift Voucher on making first transaction within 30 days
  • Access on spending ₹50,000 in the previous 3 months, at select lounges in India

Top Benefits

  • On IndiGo Flight Bookings 6 as card benefit, 8 as BluChip member bonus, 4 as channel bonus on IndiGo app/website, and up to 4 as tier bonus
  • on All Other Spends redeemable against IndiGo flight bookings via your IndiGo BluChip account

Welcome Benefits

Welcome Benefits

  • Welcome Voucher worth ₹12,500 upon making your first transaction within 30 days of card issuance
  • Choose from Luxe Gift Card, The Postcard Hotels Gift Voucher, or Yatra Gift Voucher
  • Benefit is available to primary cardholder only and can be availed within 6 months from card creation date

Welcome Benefits

Welcome Benefits

  • 5,000 IndiGo BluChips voucher on joining-fee realization
  • 6E Eats meal voucher on joining-fee realization
  • 3-month EazyDiner Prime membership on card issuance
  • The Postcard Hotels stay voucher worth ₹3,000 on card issuance
  • 3,000 IndiGo BluChips voucher on spending ₹1,00,000 within 90 days of card issuance
  • No joining fee for FD-backed secured version

Travel Benefits

Travel Benefits

  • Earn 12 EDGE Reward Points for every ₹200 spent on cumulative monthly spends up to ₹1.5 lakh
  • Earn 35 EDGE Reward Points for every ₹200 spent on incremental spends above ₹1.5 lakh in a calendar month
  • Earn 60 EDGE Reward Points for every ₹200 spent on Travel Edge Portal, up to cumulative transactions of ₹2,00,000 per month
  • Transfer 2 partner miles for every 5 EDGE Reward Points across 20 travel partners, up to 5 lakh EDGE points per calendar year
  • Save 15% on bed and breakfast rates at The Leela Palace Hotels & Resorts (valid till 30th September 2026)
  • 8 complimentary Airport Meet & Greet services per calendar year at 16 airports across India via Extraordinary Weekends, valid for both domestic and international departures and arrivals

Railway Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn up to 22 IndiGo BluChips per ₹100 on IndiGo flights via IndiGo website and app
  • 5,000 IndiGo BluChips voucher at each milestone spend of ₹2 lakh, ₹5 lakh, ₹8 lakh, ₹10 lakh, and ₹12 lakh annually, totalling up to 25,000 BluChips per year
  • 5,000 IndiGo BluChips voucher and 6E Eats meal voucher on each annual fee renewal

Railway Benefits

  • Earn 3 IndiGo BluChips per ₹100 on railway transactions

Cab Benefits

  • Earn 3 IndiGo BluChips per ₹100 on cab and car rental transactions

Bus Benefits

  • Earn 3 IndiGo BluChips per ₹100 on bus transactions

Lounge Benefits

Airport Lounge Benefits

  • Unlimited complimentary International Lounge Access via Priority Pass Card, 4 additional guest visits per year on Priority Pass
  • Unlimited Domestic Airport Lounge Access at select lounges across India
  • Minimum spend of ₹50,000 in the previous 3 months required to unlock Domestic Lounge Access
  • For newly issued cards, minimum spend criteria is waived for the month of issuance and the following 3 months

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • This card does not offer any benefits in this category

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Benefits

  • BookMyShow benefits have been discontinued for all Magnus customers (w.e.f. 20th April 2024)

Movie Tickets

Movie Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • 3-month EazyDiner Prime membership on card issuance

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Surcharge Waiver Benefits

  • Enjoy a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per month

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel transactions between ₹200 and ₹5,000 per transaction, capped at ₹300 per statement cycle

Insurance

Insurance Benefits

  • Purchase Protection Cover up to ₹2 lakh
  • Credit Shield cover up to ₹5 lakh
  • Loss or delay in baggage and personal documents cover up to $500
  • Price Protection Insurance is not applicable to Magnus cardholders

Insurance

Insurance Benefits

  • Trip cancellation cover on non-refundable flights or hotels, up to ₹25,000 per year

Bank Offers

Bank Offers

  • This card does not offer any benefits in this category

Bank Offers

Bank Offer

  • 4 complimentary golf rounds and 12 complimentary golf lessons every year via Mastercard World privileges

Joining Fee

₹12500

Joining Fee

₹4999

Joining Fee Waiver

One-way domestic economy flight ticket, Luxe Gift Voucher, or Postcard Hotels voucher worth up to ₹12,500 on card issuance.

Joining Fee Waiver

The joining fee is not offset by any bonus or credit.

Annual Fee

₹12500

Annual Fee

₹4999

Annual Fee Waiver

The annual fee is waived if you spend ₹25 Lakh or more in a year on your card, as per bank policy.

Annual Fee Waiver

The annual fee is not waived under any spending conditions.

Minimum Age

21

Minimum Age

21

Maximum Age

60

Maximum Age

65

Income (Salaried)

24 LPA

Income (Salaried)

12 LPA

Income (Self-Employed)

24 LPA

Income (Self-Employed)

24 LPA

Credit Score Required

750

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

2%

Forex Markups

1.49%

APR Fees

3%

APR Fees

3.85%

ATM withdrawal

Not Applicable

ATM withdrawal

₹199

Reward Redemption Fees

₹99

Reward Redemption Fees

Not Applicable

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Railway Surcharge

1%

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

₹175

Cash Payment Fees

Not Applicable

Check Payment Fees

Not Applicable

Check Payment Fees

Not Applicable

Max Fee

1200

View Breakdown

Max Fee

750

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

We value your time and privacy. Your details stay secure and are used only to help you.

We value your time and privacy. Your details stay secure and are used only to help you.