{
  "id": "axis-magnus-credit-card",
  "locale": "hi",
  "name": "Axis Bank Magnus Credit Card",
  "bank": "Axis Bank",
  "cardType": "travel",
  "cardTier": "super-premium",
  "annualFee": "₹12,500 + GST",
  "loungeAccess": "प्रति कैलेंडर वर्ष 4 घरेलू गेस्ट विज़िट और कार्ड वर्ष में 4 अंतरराष्ट्रीय गेस्ट विज़िट; स्वयं के प्रवेश की शर्तें समीक्षा में",
  "rewardsRate": "12 EDGE अंक / ₹200 · Travel EDGE पर 35 अंक / ₹200",
  "bestFor": "Travel EDGE बुकिंग और मौजूदा Axis शर्तों के तहत गेस्ट लाउंज",
  "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": "₹25 लाख वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Mastercard",
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "बेस अर्निंग रेट",
      "value": "12 EDGE pts / ₹200"
    },
    {
      "key": "Travel EDGE रेट",
      "value": "35 EDGE pts / ₹200"
    },
    {
      "key": "लाउंज एक्सेस",
      "value": "4 domestic + 4 international guests (different annual periods)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹12,500 + GST"
    },
    {
      "key": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Travel EDGE पोर्टल (Flights & Hotels)",
      "rate": "35 EDGE pts / ₹200 (3.5%–7.0%)",
      "monthlyCap": "10,000 बोनस अंक / माह",
      "perLakhSpent": "17,500 EDGE Points"
    },
    {
      "category": "सामान्य ऑनलाइन और ऑफलाइन खर्च",
      "rate": "12 EDGE pts / ₹200 (1.2%)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "6,000 EDGE Points"
    },
    {
      "category": "ईंधन, किराया और यूटिलिटीज",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 EDGE Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Travel EDGE पोर्टल (Hotels & Flights)",
      "multiplier": "3×",
      "rate": "35 EDGE pts / ₹200",
      "monthlyCap": "10,000 बोनस अंक / माह",
      "dailyCap": "—",
      "note": "Axis Travel EDGE के माध्यम से सीधी बुकिंग।"
    },
    {
      "channel": "अंतरराष्ट्रीय लेनदेन",
      "multiplier": "2.0% Forex",
      "rate": "Discounted Forex",
      "monthlyCap": "कोई सीमा नहीं",
      "dailyCap": "—",
      "note": "कम 2.0% मार्कअप शुल्क।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Accor Live Limitless ट्रांसफर (5:2 अनुपात)",
      "value": "₹0.70 / पॉइंट (₹0.36 / EDGE pt)",
      "minPoints": "500 अंक",
      "ceiling": "5,00,000 अंक / वर्ष",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "एयरलाइन पार्टनर्स (KrisFlyer, Qatar)",
      "value": "₹0.40–₹0.60 / माइल",
      "minPoints": "500 अंक",
      "ceiling": "5,00,000 अंक / वर्ष",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "Travel EDGE फ्लाइट्स और होटल रिडेम्पशन",
      "value": "₹0.20 / EDGE pt",
      "minPoints": "1,000 अंक",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य"
    }
  ],
  "exclusions": [
    "किराया भुगतान (Rent pay)।",
    "पेट्रोल पंपों पर ईंधन खर्च।",
    "यूटिलिटी बिल और सरकारी कर।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹12,500 + GST (₹12,500 का वेलकम वाउचर)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹12,500 + GST (₹25 लाख खर्च पर माफ)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "2.0% + GST"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.0% प्रति माह (42.58% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "21 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹18 लाख वार्षिक शुद्ध आय"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹24 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}