{
  "id": "axis-magnus-credit-card",
  "locale": "en",
  "name": "Axis Bank Magnus Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "super-premium",
  "annualFee": "₹12,500 + GST",
  "loungeAccess": "4 domestic guest visits/calendar year + 4 international guest visits/card anniversary year; self-access terms under review",
  "rewardsRate": "12 EDGE Points / ₹200 · 35 EDGE Points / ₹200 on Travel EDGE",
  "bestFor": "Travel EDGE bookings and guest lounge access under current Axis conditions",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card",
  "aiVerdict": {
    "score": 1.5,
    "summary": "Its modest reward rate offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹12500) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1.2,
  "affiliateId": "axis-magnus-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": "2026-10-13T18:36:00Z",
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Essential costs and benefit conditions need accepted evidence; no complete savings estimate is available"
    }
  },
  "sources": [
    "Axis Bank — Magnus Credit Card schedule of charges and features",
    "Axis EDGE Rewards — transfer partners and Travel EDGE multiplier guidelines",
    "https://www.axis.bank.in/docs/default-source/default-document-library/credit-cards/magnus-credit-card-terms-and-conditions.pdf?sfvrsn=be6392e5_1",
    "https://www.axis.bank.in/cards/credit-card/axis-bank-magnus-credit-card"
  ],
  "feeWaiver": "Waived at ₹25 Lakh annual spend",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Base Earn Rate",
      "value": "12 EDGE pts / ₹200"
    },
    {
      "key": "Travel EDGE Rate",
      "value": "35 EDGE pts / ₹200"
    },
    {
      "key": "Lounge Access",
      "value": "4 domestic + 4 international guests (different annual periods)"
    },
    {
      "key": "Annual Fee",
      "value": "₹12,500 + GST"
    },
    {
      "key": "Forex Markup",
      "value": "2.0% + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Axis Travel EDGE Portal (Flights & Hotels)",
      "rate": "35 EDGE pts / ₹200 (3.5%–7.0%)",
      "monthlyCap": "10,000 bonus pts / month",
      "perLakhSpent": "17,500 EDGE Points"
    },
    {
      "category": "General Online & Offline Retail",
      "rate": "12 EDGE pts / ₹200 (1.2%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "6,000 EDGE Points"
    },
    {
      "category": "Fuel, Rent & Utilities",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 EDGE Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Travel EDGE Portal (Hotels & Flights)",
      "multiplier": "3×",
      "rate": "35 EDGE pts / ₹200",
      "monthlyCap": "10,000 bonus pts / month",
      "dailyCap": "—",
      "note": "Instant booking confirmation via Axis Travel EDGE."
    },
    {
      "channel": "International Spends",
      "multiplier": "2.0% Forex",
      "rate": "Discounted Forex",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Low 2.0% markup fee."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Accor Live Limitless Transfer (5:2 Ratio)",
      "value": "₹0.70 / mile (₹0.36 / EDGE pt)",
      "minPoints": "500 pts",
      "ceiling": "5,00,000 pts / year",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Airline Partners (KrisFlyer, Qatar, Turkish)",
      "value": "₹0.40–₹0.60 / mile",
      "minPoints": "500 pts",
      "ceiling": "5,00,000 pts / year",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Travel EDGE Flights & Hotel Redemption",
      "value": "₹0.20 / EDGE pt",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil"
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹400–₹4,000).",
    "Utility bills, government taxes, and wallet reloads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹12,500 + GST (Welcome voucher of ₹12,500 LUXE/Postcard)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹12,500 + GST (Waived at ₹25 Lakh spend)"
    },
    {
      "item": "Forex Markup",
      "value": "2.0% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "3.0% / month (42.58% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹18 Lakhs net annual income"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹24 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}