Axis Bank Magnus Credit Card 2025
Save over ₹1,50,000+ every year with unlimited lounges, high rewards, low forex, welcome vouchers & luxury perks!
If you travel often, spend big on luxury, or want elite perks, the Axis Bank Magnus Credit Card is a top super-premium card for high earners!
You get unlimited lounge access worldwide (domestic + international via Priority Pass), 12 EDGE Points per ₹200 (6% return) on spends up to ₹1.5L/month (35 points/₹200 above), 5:2 transfer to 20+ airlines/hotels, 2% forex markup, ₹12,500 welcome voucher (Yatra/Luxe/Postcard), 4 complimentary golf rounds/month, and ₹12,500 fee waived on ₹25L annual spend.
EDGE Points redeem for flights/hotels at high value – perfect for travelers!
Why This Is The Best Super-Premium Travel Card in 2025?
Unlimited lounges worldwide • 6% base rewards (up to 17.5% on high spends) • 5:2 miles transfer to 20 partners • 2% forex + zero cash withdrawal fee • ₹12,500 welcome voucher • 4 golf rounds/month • Fee waiver on ₹25L spend.
Best for: High spenders (₹2L+/month), frequent flyers, international travelers, golf lovers
Fee Waiver – ₹12,500 Annual Fee Waived on ₹25 Lakh Spend
Card At a Glance
₹12,500 + GST
₹12,500 + GST (Waived on ₹25L spend)
12 Points/₹200 (6%) | Up to 35/₹200 (17.5%)
₹12,500 Voucher (Yatra/Luxe/Postcard)
Unlimited Domestic + International
2%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹12,500 + GST |
| Annual Fee | ₹12,500 + GST (Waived on ₹25 Lakh spend) |
| Welcome Benefit | ₹12,500 Voucher on first transaction |
| Rewards Redemption Fee | Zero |
| Foreign Currency Markup | 2% + GST |
| Interest Rate | 3% per month |
| Fuel Surcharge Waiver | 1% (₹400–₹4,000 txn, max ₹400/month) |
| Cash Advance Fee | Zero |
Detailed Reward Rates (2025)
- 12 EDGE Points per ₹200 (6% return) on all spends up to ₹1.5 Lakh/month
- 35 EDGE Points per ₹200 (17.5% return) on spends above ₹1.5 Lakh/month
- 60 EDGE Points per ₹200 (30% return) on Travel EDGE portal up to ₹2 Lakh/month
- 5:2 transfer ratio to 20+ airlines/hotels (Air India, Vistara, Marriott, etc.)
- No rewards on insurance, gold, fuel, utilities, rent, wallet loads
- 1 Point = ₹0.20 vouchers | Up to ₹1+ for miles/hotels
Airport Lounge Access
Unlimited domestic for primary + add-on cardholders
Unlimited international via Priority Pass (1300+ lounges) + 4 guest visits/year
No spend requirement • Spa access included
Insurance & Protection Benefits
- ₹5 Crore air accident cover
- ₹3 Crore emergency hospitalization abroad
- Zero lost card liability
- Zero cash withdrawal fee
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Unlimited lounges worldwide + guests | High ₹12,500 fee (waive on ₹25L spend) |
| 6% base rewards (up to 17.5% on high spends) | Excludes fuel/utilities/insurance from rewards |
| 2% forex + zero cash advance fee | 5:2 miles ratio (worse than before) |
| ₹12,500 welcome voucher + golf perks | High eligibility (₹24L income) |
| 30% off 4,000+ restaurants | Devalued in 2025 (capped milestones) |
| Low 3% interest rate |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹24 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit Axis Bank website and select Magnus Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹2 Lakh+ monthly and travel often, the Magnus card delivers ₹1,00,000+ value yearly from lounges, rewards & low fees – even after 2025 devaluations. Great for high-spenders chasing miles, but skip if income <₹24L or low travel. Premium pick for luxury lovers!
Frequently Asked Questions (FAQs)
Is the fee waived?
Yes, ₹12,500 waived on ₹25 Lakh annual spend (excludes insurance/gold/fuel).
How to get unlimited lounges?
Automatic for primary + add-ons (domestic); Priority Pass for international + 4 guests/year.
What is the miles transfer ratio?
5:2 to 20+ partners (Air India, Marriott, etc.) – better for Burgundy holders.
Any exclusions?
No rewards on fuel, utilities, insurance, rent, wallet loads.
Do points expire?
Yes, 3 years from earning (forfeit if overdue >90 days).