Help me to choose right credit card

[Harishankar]

Hello friends,
i am currently having Axis Flipkart LTF got an upgrade offer to Axis ( Atlas / Select / Magnus )

ICICI amazon pay LTF i usally use it for amazon purchase
HDFC Regalia Bussiness card LTF
HDFC Marriot Bonvoy

i requested hdfc bank to upgrade my card to BIZ BLACK but they said itz not possible

usally i do more travels so lounge access is must ,apart from that i use to do gst payments using credit cards
so is it worth upgrading to Axis Magnus

apart from that please suggest me a zero forex credit card for my international travels

 

[Shubham330]

Go for magnus only if you have burgundy Relationship.

Magnus without burgundy is not that much helpful. If you can't get burgundy then atlas is the best option

 

[Harishankar]

Go for magnus only if you have burgundy Relationship.

Magnus without burgundy is not that much helpful. If you can't get burgundy then atlas is the best option

i dont have account in Axis bank , i got Axis flipkart card from Flipkart ,
so without axis bank account the card is no use you mean

 

[Shubham330]

i dont have account in Axis bank , i got Axis flipkart card from Flipkart ,
so without axis bank account the card is no use you mean

Yes. Simple magnus is not much of use. Atlas have better return over simple magnus. And Lounge access also.

Plus miles will help you in travel. Base return for atlas is 4% , for magnus its 2.4% and for magnus burgundy its 4.8%

 

[Harishankar]

Yes. Simple magnus is not much of use. Atlas have better return over simple magnus. And Lounge access also.

Plus miles will help you in travel. Base return for atlas is 4% , for magnus its 2.4% and for magnus burgundy its 4.8%

How many international lounge access i will be getting in Axis atlas .
if i choose Atlas magnus there will be same amount gift voucher also rite 12500 , after a year for usage if i cancel the card then is it worth.

 

[Shubham330]

How many international lounge access i will be getting in Axis atlas .
if i choose Atlas magnus there will be same amount gift voucher also rite 12500 , after a year for usage if i cancel the card then is it worth.

With atlas you get 2500 edgemiles as welcome benefit which almost recovers you joining fee.


Atlas is tier based card based on your spend..
Initially it will be silver.

If you spend 7.5L you go to gold for next year
And if spend 15L you go to platinum


Yo get milestone benefits
2500 edge miles on 3L
Extra 2500 edge miles on 7.5L
Extra 5000 edge miles on 15L


You get renewal benefits as well for Gold and Platinum tier
2500 edge miles for Gold and 5000 for platinum


Lounge:
Domestic lounges:
Silver 8
Gold 12
Platinum 18

International lounges:
Silver 4
Gold 6
Platinum 12


Guest visits also allowed. Considered in above numbers only

 

[Harishankar]

But if i am using more lounges does this card make sense international lounges ,

 

[Shubham330]

1 edge mile = 2 partner miles.

Best miles partner of axis is accor
As 1 Edge Mile = 2 Accor Points
1 accor point = 1.8 ₹

So effective base return for atlas for accor will be 7.2%

 

[Shubham330]

But if i am using more lounges does this card make sense international lounges ,

You can go with magnus if you are only inclined towards lounge access.

But the return % will be lesser

 

[Harishankar]

1 edge mile = 2 partner miles.

Best miles partner of axis is accor
As 1 Edge Mile = 2 Accor Points
1 accor point = 1.8 ₹

So effective base return for atlas for accor will be 7.2%

i am having marriot bonvoy hdfc card also , so is it possible to transfer those points to marriot account

 

[Harishankar]

You can go with magnus if you are only inclined towards lounge access.

But the return % will be lesser

They charge 12500 as joining fee , they provide same amount of gift vochers too , so if i cancel the card before next renewal date is it possible like that.

 

[Shubham330]

Axis miles partner.

This are for both magnus and atlas



For marriot points get amex Platinum Travel.

Spend till 4Lakh. It gives you 48000 points. No brainer. You can get more than 48000 using there accelerated platform.
But base is 48k making your retun 12%

Then post 4L use axis.

 

[Shubham330]

They charge 12500 as joining fee , they provide same amount of gift vochers too , so if i cancel the card before next renewal date is it possible like that.

Yes.
.
.

 

[Shubham330]

Axis miles partner.

This are for both magnus and atlas
View attachment 80925


For marriot points get amex Platinum Travel.

Spend till 4Lakh. It gives you 48000 points. No brainer. You can get more than 48000 using there accelerated platform.
But base is 48k making your retun 12%

Then post 4L use axis.

You can use my referral from signature to get some additional points.