{"generatedAt":"2026-09-19","source":"https://card-lens.ai/open-data","license":"CC BY 4.0","count":119,"cards":[{"id":"hdfc-infinia-metal","name":"Infinia Metal","issuer":"HDFC Bank","cobrand":null,"network":"Visa","upi":false,"type":"super-premium","tagline":"India’s benchmark points card: 3.3% back, unlimited lounges, 1:1 flight redemptions.","fees":{"joining":12500,"renewal":12500,"waiverSpend":1000000,"ltf":false},"points":{"name":"Reward Points","value":0.85,"bestValue":1,"howToRedeem":"1 RP = ₹1 on SmartBuy flights/hotels (capped 1.5L RP/month); ₹0.5 on vouchers; ₹0.3 statement credit. We use ₹0.85 as a realistic blend."},"rewards":{"base":0.0283,"excluded":["fuel","rent"],"rules":[{"label":"Insurance (capped 10,000 RP/mo since Jul 2025)","match":{"categories":["insurance"]},"rate":0.0283,"capMonthly":8500},{"label":"Grocery (capped 2,000 RP/mo)","match":{"categories":["groceries"]},"rate":0.0283,"capMonthly":1700},{"label":"Utilities (capped 2,000 RP/mo)","match":{"categories":["utilities"]},"rate":0.0283,"capMonthly":1700},{"label":"Education via direct merchant","match":{"categories":["education"]},"rate":0.0283,"capMonthly":1700}],"upi":null},"milestones":[],"renewalBonus":{"value":10625,"label":"12,500 RP on renewal fee payment (only when fee is charged)"},"fuelWaiver":{"rate":0.01,"capMonthly":1000},"fixedBenefits":[{"label":"Club Marriott membership & ITC dining offers","value":3000,"lifestyle":"hotel_status"},{"label":"Unlimited golf games","value":6000,"lifestyle":"golf"}],"welcome":{"label":"12,500 RP on joining-fee payment","value":10625},"forexMarkup":2,"lounge":{"domestic":{"unlimited":true,"visits":0,"per":"year","spend":null},"international":{"unlimited":true,"visits":0,"per":"year","spend":null},"program":"Priority Pass (primary) + Visa Infinite lounges"},"lifestyle":["golf","concierge","hotel_status","fuel_waiver","insurance_cover"],"redemption":4,"simplicity":3,"eligibility":"Invite-only in practice; income ₹25L+/yr or ₹3L+/month salary. From Apr 2026 HDFC expects ₹18L annual spend or a ₹50L relationship to retain the card","highlights":["Flat 5 RP per ₹150 on almost everything","Unlimited domestic & international lounge visits","Renewal fee waived on ₹10L annual spend"],"drawbacks":["Hard to get – mostly invite-based","Retention now expects ₹18L annual spend or ₹50L relationship (Apr 2026)","Grocery and utility spend capped at 2,000 RP a month"],"sources":[{"label":"HDFC Bank – Infinia Metal product page","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/infinia-credit-card-metal-edition"},{"label":"CardExpert review","url":"https://www.cardexpert.in/hdfc-infinia-credit-card-review/"}],"reviewedOn":"2026-09-19","url":"https://card-lens.ai/cards/hdfc-infinia-metal"},{"id":"hdfc-diners-club-black-metal","name":"Diners Club Black Metal","issuer":"HDFC Bank","cobrand":"Diners Club","network":"Diners Club","upi":false,"type":"super-premium","tagline":"Infinia-like earning with bundled memberships, on the Diners network.","fees":{"joining":10000,"renewal":10000,"waiverSpend":800000,"ltf":false},"points":{"name":"Reward Points","value":0.8,"bestValue":1,"howToRedeem":"1 RP = ₹1 on SmartBuy flights/hotels (capped); ₹0.5 vouchers; ₹0.3 statement. Realistic blend ₹0.80."},"rewards":{"base":0.0267,"excluded":["fuel","rent"],"rules":[{"label":"Insurance (capped 5,000 RP/mo)","match":{"categories":["insurance"]},"rate":0.0267,"capMonthly":4000},{"label":"Grocery (capped 2,000 RP/mo)","match":{"categories":["groceries"]},"rate":0.0267,"capMonthly":1600},{"label":"Utilities (capped 2,000 RP/mo)","match":{"categories":["utilities"]},"rate":0.0267,"capMonthly":1600}],"upi":null},"milestones":[{"spend":150000,"per":"month","value":500,"label":"2× ₹500 vouchers on ₹1.5L monthly spend (one bucket used)"}],"renewalBonus":{"value":4000,"label":"Club Marriott, Amazon Prime, Swiggy One & Times Prime memberships renewed when fee is paid","lifestyle":"ott"},"fuelWaiver":{"rate":0.01,"capMonthly":1000},"fixedBenefits":[{"label":"Unlimited golf games & lessons","value":6000,"lifestyle":"golf"}],"welcome":{"label":"Club Marriott, Amazon Prime, Swiggy One, Times Prime memberships","value":4000},"forexMarkup":2,"lounge":{"domestic":{"unlimited":true,"visits":0,"per":"year","spend":null},"international":{"unlimited":true,"visits":0,"per":"year","spend":null},"program":"Diners Club lounge network (primary & add-on)"},"lifestyle":["golf","ott","concierge","hotel_status","fuel_waiver","insurance_cover"],"redemption":4,"simplicity":2,"eligibility":"Income ₹21L+/yr or ₹1.75L+/month salary","highlights":["3.3 RP per ₹100 on most spend","Unlimited lounges worldwide","Bundled OTT and hotel memberships"],"drawbacks":["Diners acceptance is weaker than Visa/Mastercard abroad","Monthly milestone needs ₹1.5L spend","Memberships only renew if fee is paid"],"sources":[{"label":"HDFC Bank – Diners Club Black Metal","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/diners-club-black-metal-edition"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-diners-club-black-metal"},{"id":"hdfc-regalia-gold","name":"Regalia Gold","issuer":"HDFC Bank","cobrand":null,"network":"Visa","upi":false,"type":"premium","tagline":"Mid-premium travel card with 5X on Myntra, Nykaa, M&S and Reliance Digital.","fees":{"joining":2500,"renewal":2500,"waiverSpend":400000,"ltf":false},"points":{"name":"Reward Points","value":0.5,"bestValue":0.5,"howToRedeem":"1 RP = ₹0.50 on SmartBuy flights/hotels; ₹0.35 vouchers; ₹0.20 statement."},"rewards":{"base":0.0133,"excluded":["fuel","rent"],"rules":[{"label":"5X on Myntra, Nykaa, Marks & Spencer, Reliance Digital","match":{"merchants":["myntra","nykaa","reliancedigital"]},"rate":0.0667,"capMonthly":5000},{"label":"Grocery (capped 2,000 RP/mo)","match":{"categories":["groceries"]},"rate":0.0133,"capMonthly":1000},{"label":"Utilities & insurance (capped 2,000 RP/mo)","match":{"categories":["utilities","insurance"]},"rate":0.0133,"capMonthly":1000}],"upi":null},"milestones":[{"spend":150000,"per":"quarter","value":1500,"label":"₹1,500 flight voucher on ₹1.5L quarterly spend"},{"spend":500000,"per":"year","value":4500,"label":"₹5,000 Marriott/Myntra/M&S voucher at ₹5L"},{"spend":750000,"per":"year","value":4500,"label":"Another ₹5,000 voucher at ₹7.5L"}],"renewalBonus":null,"fuelWaiver":{"rate":0.01,"capMonthly":500},"fixedBenefits":[],"welcome":{"label":"₹2,500 gift voucher on joining-fee payment","value":2250},"forexMarkup":2,"lounge":{"domestic":{"unlimited":false,"visits":12,"per":"year","spend":null},"international":{"unlimited":false,"visits":6,"per":"year","spend":null},"program":"Visa Signature lounges (domestic) + Priority Pass (international)"},"lifestyle":["fuel_waiver","insurance_cover","concierge"],"redemption":3,"simplicity":3,"eligibility":"Income ₹12L+/yr or ₹1L+/month salary","highlights":["12 domestic + 6 international lounge visits","Quarterly ₹1,500 flight vouchers","Fee waived on ₹4L annual spend"],"drawbacks":["Base rate is only ~1.3% value","Point value halves outside SmartBuy","Grocery and utilities capped"],"sources":[{"label":"HDFC Bank – Regalia Gold","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/regalia-gold-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-regalia-gold"},{"id":"hdfc-millennia","name":"Millennia","issuer":"HDFC Bank","cobrand":null,"network":"Visa","upi":false,"type":"cashback","tagline":"5% CashPoints on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber and more.","fees":{"joining":1000,"renewal":1000,"waiverSpend":100000,"ltf":false},"points":{"name":"CashPoints","value":1,"bestValue":1,"howToRedeem":"1 CP = ₹1 as statement credit (min 500 CP); ₹0.30 on SmartBuy flights."},"rewards":{"base":0.01,"excluded":["fuel","rent"],"rules":[{"label":"5% on Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Tata CLiQ, Cult.fit, Sony LIV","match":{"merchants":["amazon","flipkart","myntra","swiggy","zomato","uber","bookmyshow","tatacliq"]},"rate":0.05,"capMonthly":1000},{"label":"1% on other spends (capped 1,000 CP/mo)","match":{"categories":["groceries","dining","online","commute","utilities","flights","hotels","entertainment","insurance","education","international","other"]},"rate":0.01,"capMonthly":1000}],"upi":null},"milestones":[{"spend":100000,"per":"quarter","value":900,"label":"₹1,000 gift voucher on ₹1L quarterly spend"}],"renewalBonus":null,"fuelWaiver":{"rate":0.01,"capMonthly":250},"fixedBenefits":[],"welcome":{"label":"1,000 CashPoints on joining-fee payment","value":1000},"forexMarkup":3.5,"lounge":{"domestic":{"unlimited":false,"visits":2,"per":"quarter","spend":{"amount":100000,"per":"quarter"}},"international":{"unlimited":false,"visits":0,"per":"year","spend":null},"program":"Domestic lounges on ₹1L quarterly spend"},"lifestyle":["fuel_waiver"],"redemption":4,"simplicity":4,"eligibility":"Income ₹6L+/yr or ₹35k+/month salary","highlights":["5% on ten popular apps","CashPoints redeem 1:1 against statement","Fee waived at just ₹1L"],"drawbacks":["₹1,000 monthly cap on the 5% bucket","Lounge access needs ₹1L quarterly spend","3.5% forex markup"],"sources":[{"label":"HDFC Bank – Millennia","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/millennia-cards"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-millennia"},{"id":"hdfc-swiggy","name":"Swiggy HDFC Bank","issuer":"HDFC Bank","cobrand":"Swiggy","network":"Mastercard","upi":false,"type":"cashback","tagline":"10% on Swiggy, 5% on Amazon, Flipkart, Myntra and other online spends.","fees":{"joining":500,"renewal":500,"waiverSpend":200000,"ltf":false},"points":{"name":"Cashback","value":1,"bestValue":1,"howToRedeem":"Credited as Swiggy Money / statement cashback automatically."},"rewards":{"base":0.01,"excluded":["fuel","rent","utilities","insurance","education"],"rules":[{"label":"10% on Swiggy (food, Instamart, Dineout)","match":{"merchants":["swiggy","instamart"]},"rate":0.1,"capMonthly":1500},{"label":"5% on Amazon, Flipkart, Myntra, Uber, Ola, Nykaa & more","match":{"merchants":["amazon","flipkart","myntra","uber","ola","nykaa","ajio","tatacliq"]},"rate":0.05,"capMonthly":1500},{"label":"1% on other spends","match":{"categories":["groceries","dining","online","commute","flights","hotels","entertainment","international","other"]},"rate":0.01,"capMonthly":500}],"upi":null},"milestones":[],"renewalBonus":null,"fuelWaiver":null,"fixedBenefits":[],"welcome":{"label":"3-month Swiggy One membership","value":400},"forexMarkup":3.5,"lounge":{"domestic":{"unlimited":false,"visits":0,"per":"year","spend":null},"international":{"unlimited":false,"visits":0,"per":"year","spend":null},"program":"None"},"lifestyle":["ott"],"redemption":5,"simplicity":5,"eligibility":"Income ₹4L+/yr or ₹25k+/month salary","highlights":["10% on Swiggy up to ₹1,500 a month","5% on major e-commerce apps","Automatic cashback – nothing to redeem"],"drawbacks":["No lounge access","No rewards on bills, insurance or fuel","Caps bite for heavy spenders"],"sources":[{"label":"HDFC Bank – Swiggy HDFC Bank Credit Card","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/swiggy-hdfc-bank-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-swiggy"},{"id":"hdfc-tata-neu-infinity","name":"Tata Neu Infinity HDFC Bank","issuer":"HDFC Bank","cobrand":"Tata Neu","network":"RuPay","upi":true,"type":"lifestyle","tagline":"5% NeuCoins across Tata brands, 1.5% everywhere, UPI rewards on RuPay.","fees":{"joining":1499,"renewal":1499,"waiverSpend":300000,"ltf":false},"points":{"name":"NeuCoins","value":1,"bestValue":1,"howToRedeem":"1 NeuCoin = ₹1 across Tata Neu, BigBasket, Croma, Air India, Taj, Westside, 1mg."},"rewards":{"base":0.015,"excluded":["fuel","rent"],"rules":[{"label":"5% on Tata Neu app & Tata brands (BigBasket, Croma, Westside, Tata CLiQ, Air India)","match":{"merchants":["tataneu","bigbasket","croma","westside","tatacliq","airindia"]},"rate":0.05},{"label":"Utilities, insurance, education (capped 2,000 NeuCoins/mo)","match":{"categories":["utilities","insurance","education"]},"rate":0.015,"capMonthly":2000}],"upi":{"rate":0.015,"capMonthly":500,"label":"1.5% NeuCoins on UPI (RuPay), max 500/month"}},"milestones":[],"renewalBonus":null,"fuelWaiver":{"rate":0.01,"capMonthly":500},"fixedBenefits":[],"welcome":{"label":"1,499 NeuCoins on first Tata Neu transaction","value":1499},"forexMarkup":2,"lounge":{"domestic":{"unlimited":false,"visits":2,"per":"quarter","spend":null},"international":{"unlimited":false,"visits":4,"per":"year","spend":null},"program":"RuPay domestic lounges + Priority Pass (international)"},"lifestyle":["fuel_waiver","insurance_cover"],"redemption":3,"simplicity":4,"eligibility":"Income ₹12L+/yr or ₹1L+/month salary","highlights":["5% back across the Tata ecosystem","UPI spends earn 1.5% on RuPay","8 domestic + 4 international lounge visits"],"drawbacks":["NeuCoins spend only inside Tata brands","UPI rewards capped at 500 coins/month","Fee waiver needs ₹3L spend"],"sources":[{"label":"HDFC Bank – Tata Neu Infinity","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/tata-neu-infinity-hdfc-bank-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-tata-neu-infinity"},{"id":"hdfc-tata-neu-plus","name":"Tata Neu Plus HDFC Bank","issuer":"HDFC Bank","cobrand":"Tata Neu","network":"RuPay","upi":true,"type":"entry","tagline":"Low-fee RuPay card with 2% on Tata brands and 1% on UPI.","fees":{"joining":499,"renewal":499,"waiverSpend":100000,"ltf":false},"points":{"name":"NeuCoins","value":1,"bestValue":1,"howToRedeem":"1 NeuCoin = ₹1 across Tata brands."},"rewards":{"base":0.01,"excluded":["fuel","rent"],"rules":[{"label":"2% on Tata Neu & Tata brands","match":{"merchants":["tataneu","bigbasket","croma","westside","tatacliq","airindia"]},"rate":0.02},{"label":"Utilities & insurance (capped 2,000/mo)","match":{"categories":["utilities","insurance","education"]},"rate":0.01,"capMonthly":2000}],"upi":{"rate":0.01,"capMonthly":500,"label":"1% NeuCoins on UPI, max 500/month"}},"milestones":[],"renewalBonus":null,"fuelWaiver":{"rate":0.01,"capMonthly":250},"fixedBenefits":[],"welcome":{"label":"499 NeuCoins on first Tata Neu transaction","value":499},"forexMarkup":3.5,"lounge":{"domestic":{"unlimited":false,"visits":1,"per":"quarter","spend":null},"international":{"unlimited":false,"visits":0,"per":"year","spend":null},"program":"RuPay domestic lounges"},"lifestyle":["fuel_waiver"],"redemption":3,"simplicity":4,"eligibility":"Income ₹3L+/yr or ₹25k+/month salary","highlights":["Fee waived at just ₹1L","UPI-linked RuPay card","4 domestic lounge visits a year"],"drawbacks":["Low 1% base rate","Coins only usable inside Tata brands","No international lounge"],"sources":[{"label":"HDFC Bank – Tata Neu Plus","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/tata-neu-plus-hdfc-bank-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-tata-neu-plus"},{"id":"hdfc-pixel-play","name":"PIXEL Play","issuer":"HDFC Bank","cobrand":null,"network":"Visa","upi":false,"type":"cashback","tagline":"Digital-first card: pick two 5% packs and one 3% e-commerce merchant.","fees":{"joining":500,"renewal":500,"waiverSpend":100000,"ltf":false},"points":{"name":"CashPoints","value":1,"bestValue":1,"howToRedeem":"1 CP = ₹1 against statement via the PayZapp app."},"rewards":{"base":0.01,"excluded":["fuel","rent","utilities","insurance","education"],"rules":[{"label":"5% on chosen packs (we assume Dining & Entertainment + Grocery)","match":{"categories":["dining","entertainment","groceries"]},"rate":0.05,"capGroup":"packs"},{"label":"3% on chosen e-commerce merchant (we assume Amazon)","match":{"merchants":["amazon"]},"rate":0.03,"capMonthly":500}],"capGroups":{"packs":500},"upi":null},"milestones":[],"renewalBonus":null,"fuelWaiver":null,"fixedBenefits":[],"welcome":null,"forexMarkup":3.5,"lounge":{"domestic":{"unlimited":false,"visits":0,"per":"year","spend":null},"international":{"unlimited":false,"visits":0,"per":"year","spend":null},"program":"None"},"lifestyle":[],"redemption":4,"simplicity":3,"eligibility":"Income ₹3L+/yr or ₹25k+/month salary","highlights":["Customisable 5% categories","Fully app-managed (PayZapp)","Cheap fee, easy waiver"],"drawbacks":["5% packs capped at ₹500 combined","No lounge or travel perks","No rewards on bills or fuel"],"sources":[{"label":"HDFC Bank – PIXEL Play","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/pixel-play-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-pixel-play"},{"id":"hdfc-marriott-bonvoy","name":"Marriott Bonvoy HDFC Bank","issuer":"HDFC Bank","cobrand":"Marriott Bonvoy","network":"Diners Club","upi":false,"type":"travel","tagline":"Free-night award every year, Silver Elite status and 24 lounge visits.","fees":{"joining":3000,"renewal":3000,"waiverSpend":null,"ltf":false},"points":{"name":"Marriott Bonvoy Points","value":0.45,"bestValue":0.6,"howToRedeem":"Redeem for Marriott stays; ~₹0.45/point on typical Indian redemptions."},"rewards":{"base":0.006,"excluded":["fuel","rent"],"rules":[{"label":"8 pts/₹150 at Marriott hotels","match":{"merchants":["marriott"]},"rate":0.024},{"label":"4 pts/₹150 on travel, dining & entertainment","match":{"categories":["flights","hotels","dining","entertainment"]},"rate":0.012}],"upi":null},"milestones":[{"spend":600000,"per":"year","value":8000,"label":"Free Night Award (up to 15,000 pts) at ₹6L"},{"spend":900000,"per":"year","value":8000,"label":"Free Night Award at ₹9L"}],"renewalBonus":{"value":8000,"label":"Free Night Award on renewal fee payment","lifestyle":"hotel_status"},"fuelWaiver":{"rate":0.01,"capMonthly":250},"fixedBenefits":[{"label":"Marriott Bonvoy Silver Elite status + 10 Elite Night Credits","value":1500,"lifestyle":"hotel_status"}],"welcome":{"label":"Free Night Award on joining","value":8000},"forexMarkup":3.5,"lounge":{"domestic":{"unlimited":false,"visits":12,"per":"year","spend":null},"international":{"unlimited":false,"visits":12,"per":"year","spend":null},"program":"Diners Club lounges"},"lifestyle":["hotel_status","golf","fuel_waiver","insurance_cover"],"redemption":2,"simplicity":3,"eligibility":"Income ₹12L+/yr or ₹1L+/month salary","highlights":["Free night worth ₹8k+ every year","12 domestic + 12 international lounges","Golf and Silver Elite perks"],"drawbacks":["Fee is never waived","Weak 0.6% base earning","Only worth it if you stay at Marriott"],"sources":[{"label":"HDFC Bank – Marriott Bonvoy","url":"https://www.hdfcbank.com/personal/pay/cards/credit-cards/marriott-bonvoy-hdfc-bank-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/hdfc-marriott-bonvoy"},{"id":"axis-atlas","name":"Atlas","issuer":"Axis Bank","cobrand":null,"network":"Visa","upi":false,"type":"travel","tagline":"2 EDGE Miles per ₹100 everywhere, 5 on travel, tiered lounges and milestones.","fees":{"joining":5000,"renewal":5000,"waiverSpend":null,"ltf":false},"points":{"name":"EDGE Miles","value":1,"bestValue":2,"howToRedeem":"Transfer 1:1 (2:1 to some) to airline & hotel partners; ₹1/mile on Axis Travel Edge bookings."},"rewards":{"base":0.02,"excluded":["fuel","rent","utilities","insurance","education"],"rules":[{"label":"5 miles/₹100 on airlines, hotels & Travel Edge (up to ₹2L/month)","match":{"categories":["flights","hotels"]},"rate":0.05,"capMonthly":10000}],"upi":null},"milestones":[{"spend":300000,"per":"year","value":2500,"label":"2,500 miles at ₹3L"},{"spend":750000,"per":"year","value":2500,"label":"2,500 miles at ₹7.5L"},{"spend":1500000,"per":"year","value":5000,"label":"5,000 miles at ₹15L"}],"renewalBonus":{"value":2500,"label":"2,500 miles on renewal (Silver tier; more at higher tiers)"},"fuelWaiver":null,"fixedBenefits":[],"welcome":{"label":"2,500 EDGE Miles on first transaction within 37 days","value":2500},"forexMarkup":3.5,"lounge":{"domestic":{"unlimited":false,"visits":8,"per":"year","spend":null},"international":{"unlimited":false,"visits":4,"per":"year","spend":null},"program":"Silver tier: 8 dom + 4 intl; Gold 12+6; Platinum 18+12"},"lifestyle":["concierge","insurance_cover"],"redemption":4,"simplicity":3,"eligibility":"Income ₹12L+/yr","highlights":["Best-in-class 5% on direct travel bookings","Miles transfer 1:1 to 20+ partners","Milestone miles scale with tier"],"drawbacks":["Fee is not spend-waivable","No rewards on bills, insurance, fuel","3.5% forex markup for a travel card"],"sources":[{"label":"Axis Bank – Atlas Credit Card","url":"https://www.axisbank.com/retail/cards/credit-card/axis-bank-atlas-credit-card"},{"label":"CardInsider – Atlas","url":"https://www.cardinsider.com/axis-bank/atlas-credit-card/"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/axis-atlas"},{"id":"axis-magnus","name":"Magnus","issuer":"Axis Bank","cobrand":null,"network":"Mastercard","upi":false,"type":"super-premium","tagline":"Big-spender card: accelerated points above ₹1.5L/month and unlimited domestic lounges.","fees":{"joining":12500,"renewal":12500,"waiverSpend":2500000,"ltf":false},"points":{"name":"EDGE Reward Points","value":0.16,"bestValue":0.2,"howToRedeem":"Transfer to partners at 5:2 (Group A) or 5:4 (Group B); ~₹0.16 realistic."},"rewards":{"base":0.0096,"excluded":["fuel","rent","utilities","insurance","education"],"rules":[{"label":"35 ERP/₹200 on monthly spend above ₹1.5L","match":{"tier":{"above":150000,"per":"month"}},"rate":0.028}],"upi":null},"milestones":[],"renewalBonus":null,"fuelWaiver":null,"fixedBenefits":[{"label":"Complimentary golf rounds","value":4000,"lifestyle":"golf"},{"label":"Airport meet & greet (8/yr)","value":3000,"lifestyle":"concierge"}],"welcome":{"label":"₹12,500 gift voucher on joining-fee payment","value":11250},"forexMarkup":2,"lounge":{"domestic":{"unlimited":true,"visits":0,"per":"year","spend":null},"international":{"unlimited":false,"visits":8,"per":"year","spend":null},"program":"Unlimited domestic + Priority Pass (8 intl)"},"lifestyle":["golf","concierge","insurance_cover"],"redemption":3,"simplicity":2,"eligibility":"Income ₹24L+/yr; best with Axis Burgundy","highlights":["Accelerated earning past ₹1.5L a month","Unlimited domestic lounges","Meet & greet and golf"],"drawbacks":["Points devalued repeatedly since 2023","₹25L waiver threshold","Weak below ₹1.5L monthly spend"],"sources":[{"label":"Axis Bank – Magnus","url":"https://www.axisbank.com/retail/cards/credit-card/axis-bank-magnus-credit-card"}],"reviewedOn":"2026-09-12","url":"https://card-lens.ai/cards/axis-magnus"},{"id":"axis-ace","name":"ACE","issuer":"Axis Bank","cobrand":"Google Pay","network":"Visa","upi":false,"type":"cashback","tagline":"5% on bills via Google Pay, 4% on Swiggy, Zomato and Ola, 2% on everything else.","fees":{"joining":499,"renewal":499,"waiverSpend":200000,"ltf":false},"points":{"name":"Cashback","value":1,"bestValue":1,"howToRedeem":"Auto-credited to statement."},"rewards":{"base":0.015,"excluded":["fuel","rent","insurance","education"],"rules":[{"label":"5% on bill payments & recharges via Google Pay","match":{"merchants":["gpaybills"]},"rate":0.05,"capGroup":"accel"},{"label":"4% on Swiggy, Zomato, Ola","match":{"merchants":["swiggy","zomato","ola"]},"rate":0.04,"capGroup":"accel"},{"label":"2% on other spends (1.5% below ₹10k 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