SimplifyCards take
A quick decision view before the full facts.
Good fit if: you want a card built for premium travel, lounge, and partner miles.
Why it can work
It combines complimentary airport lounge access, a low 2% forex markup, and accelerated rewards on travel EDGE.
Where value may drop
The renewal fee is waived only on Rs 30 lakh of annual spend. Fuel, insurance, and wallet loads don't earn rewards. Monthly reward caps apply on the top categories.
Quick facts
The key fields before the full details.
Reward calculator
Enter your monthly spend to estimate how many edge reward points you earn and what they are worth.
What your points are worth
Same points, very different value depending on how you redeem.
How you earn it
| Category | Monthly spend | Edge Reward Points/yr |
|---|---|---|
| Travel (cab, train, etc.) | Rs 5,000 | 18,000 |
| Other spends | Rs 8,000 | 5,760 |
Estimates only. Reward rates, caps, and redemption values follow each bank's current terms and can change.
Best for / avoid if
Who this card suits — and who should skip it.
Best for Travel EDGE
60 EDGE REWARD Points / Rs 200 upto Rs 2 lakh per calendar month, then 35 EDGE REWARD Points / Rs 200
Best for airport lounge access
Unlimited complimentary lounge visits a year across domestic and international.
Best for international spends
A low 2% forex markup keeps overseas and forex transactions cheaper.
Best for travel and redemptions
Earns edge reward points you can put toward flights, hotels, or transfer partners.
Avoid if your spend is low
The Rs 30,000 fee waives only at Rs 30 lakh/year, and some benefits can be spend-gated.
Avoid if you spend big on fuel, insurance, and wallet loads
These categories are excluded and won't earn rewards.
Avoid if you expect uncapped rewards
Top reward categories are capped each month, so very high spends don't scale linearly.
Rewards and redemption
Earn rates, caps, and how points convert to value.
| Category | Rate | Monthly cap |
|---|---|---|
| Travel EDGE | 60 EDGE REWARD Points / Rs 200 upto Rs 2 lakh per calendar month, then 35 EDGE REWARD Points / Rs 200 | 60,000 edge reward points |
| Eligible spends up to Rs 1.5 lakh per calendar month | 12 EDGE REWARD Points / Rs 200 | - |
| Eligible incremental spends above Rs 1.5 lakh per calendar month | 35 EDGE REWARD Points / Rs 200 | - |
Redemption
| Airline | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| Air Canada | Aeroplan | 5:4 | Group A | 2,00,000 edge reward points |
| Ethiopian Airlines | ShebaMiles | 5:4 | Group A | 2,00,000 edge reward points |
| Etihad Airways | Etihad Guest | 5:4 | Group A | 2,00,000 edge reward points |
| Japan Airlines | JAL Mileage Bank | 5:4 | Group A | 2,00,000 edge reward points |
| Singapore Airlines | KrisFlyer | 5:4 | Group A | 2,00,000 edge reward points |
| Thai Airways | Royal Orchid Plus | 5:4 | Group A | 2,00,000 edge reward points |
| Turkish Airlines | Miles&Smiles | 5:4 | Group A | 2,00,000 edge reward points |
| United Airlines | MileagePlus | 5:4 | Group A | 2,00,000 edge reward points |
| British Airways | British Airways Executive Club | 5:2 | Group A | 2,00,000 edge reward points |
| Finnair | Finnair Plus | 5:2 | Group A | 2,00,000 edge reward points |
| Vietnam Airlines | Lotusmiles | 5:2 | Group A | 2,00,000 edge reward points |
| Air France-KLM | Flying Blue | 5:4 | Group B | 8,00,000 edge reward points |
| Air India | Flying Returns | 5:4 | Group B | 8,00,000 edge reward points |
| Air Asia | Air Asia | 5:4 | Group B | 8,00,000 edge reward points |
| Qantas Airways | Qantas Frequent Flyer | 5:4 | Group B | 8,00,000 edge reward points |
| Hotel group | Programme | Ratio | Group | Annual cap |
|---|---|---|---|---|
| IHG Hotels & Resorts | IHG One Rewards | 5:4 | Group B | 8,00,000 edge reward points |
| ITC Hotels | Club ITC | 5:4 | Group B | 8,00,000 edge reward points |
| Radisson Hotels | Radisson Rewards | 5:4 | Group B | 8,00,000 edge reward points |
| Orchid Hotels | Orchid Rewards | 5:4 | Group B | 8,00,000 edge reward points |
| Wyndham Hotels & Resorts | Wyndham Rewards | 5:4 | Group B | 8,00,000 edge reward points |
| The Postcard Hotel | The Postcard Hotel | 5:4 | Group B | 8,00,000 edge reward points |
Lounge and milestone rules
The spend conditions worth knowing before you rely on a benefit.
- Domestic lounge access requires minimum spends of Rs 50,000 in the previous 3 calendar months; the spend condition is waived for the month of issuance plus the next 3 calendar months.
- Unlimited domestic and international lounge access applies to primary cardholder; guest visits are limited to 4 domestic guest visits per calendar year and 4 international guest visits per card anniversary year on Priority Pass.
Exclusions
Categories that earn no rewards on this card.
- utility and telecom spends
- wallet loads
- government spends
- insurance
- gold and jewellery
- fuel
- cash advances
- repayments
Benefits and fine print
Welcome, renewal, and other listed benefits.
Joining benefits
- Choose any one voucher worth Rs 5,000 from Luxe, The Postcard Hotels, or Yatra on first transaction within 30 days of card issuance; not applicable on upgrades from Magnus
Additional benefits
- 4 airport meet and assist services per calendar year
- Dining Delights offers across partner restaurants
- 15% savings on bed and breakfast rates at The Leela Palace Hotels & Resorts, valid till 30 September 2026
- Fuel surcharge waiver of 1% for transactions between Rs 400 and Rs 4,000, capped at Rs 400 per month
- No cash withdrawal charges
Latest updates
Recent changes to this card.
- Effective 2 April 2026, Axis Bank revised its transfer partner program for Magnus for Burgundy: Accor Live Limitless, Marriott Bonvoy, and Qatar Airways were removed as transfer partners.
- Three new airline partners (British Airways, Finnair, Vietnam Airlines) were added at a 5:2 transfer ratio, while legacy partners continue to transfer at a 5:4 ratio.
- Annual caps of 2,00,000 EDGE REWARD Points for Group A and 8,00,000 EDGE REWARD Points for Group B apply.
- Effective 1 October 2025, Axis may forfeit unredeemed EDGE REWARD Points or EDGE Miles 30 days after card closure, or when the minimum amount due remains outstanding for more than 90 days.
- Effective 20 June 2025, Magnus for Burgundy continues to earn 12 EDGE REWARD Points per Rs 200 up to Rs 1.5 lakh of monthly eligible spends and 35 EDGE REWARD Points per Rs 200 above that threshold.
- Axis also simplified exclusions by spend category and states that utility and telecom, wallet, government, insurance, gold and jewellery, fuel, cash advances, and repayments are excluded from reward earn and spend-based fee waiver calculation, while rent remains capped at Rs 50,000 per month.
Eligibility
Check this before you apply.
Salaried
- Requires an Axis Burgundy relationship at individual level and net salary credit above Rs 3 lakh per month in an Axis Bank salary account, or another eligible Burgundy route
- If qualifying via Rs 10 lakh CASA average monthly balance, Burgundy vintage should exceed 3 months and the latest One Glance Statement should reflect eligibility
- Card approval remains subject to Axis Bank credit policy
Self-employed
- Requires an Axis Burgundy relationship at individual level and either Rs 30 lakh TRV without demat, or Rs 1 crore TRV including demat, or another eligible Burgundy route
- If qualifying via Rs 10 lakh CASA average monthly balance, Burgundy vintage should exceed 3 months and the latest One Glance Statement should reflect eligibility
- Card approval remains subject to Axis Bank credit policy
Compare before you decide
Alternatives based on what you might want instead.
AXIS BANK MAGNUS Credit Card
Best for travel, lounge, premium.
HORIZON Credit Card
Best for travel, airlines, travel edge.
IndiGo Axis Bank Premium Credit Card
Best for indigo, flights, travel.
Tips
Practical notes from verified sources.
Air India is classified under Group B (subject to the 800,000 annual EDGE Reward Points transfer cap at a 5:4 Burgundy ratio) and has recently revalued its redemptions.
For Marriott Bonvoy transfers, you can indirectly transfer by converting EDGE Reward Points to Club ITC at a 5:4 ratio, and then Club ITC to Marriott at a 2:3 ratio (capped at 10,000 ITC points per quarter).