Worth Upgrading to Axis Magnus Burgundy? Or Should I keep my HDFC Infinia?

[saver-user]

alright current scenario is weird af
i have Magnus (today i got a call to upgrade to burgundy)
Infinia (not LTF)
Amex gold charge
Amex plat travel (rejected due to some address issue but they said will reissue the card in 5-7 days)
Regalia Gold
Neu Infinity.

My house is under construction i noticed something that many cement and brick dealers do take credit card without any charges.
i am planning to use my cc's wherever possible to save money. which card do u guys suggest i use or if anyother is good i can apply and get apporved easily.
My monthly spends cross 2L easily (excluding construction that is separate)
I spend 50k on amazon or flipkart per month thats like fixed

 

[_ayush]

1- use infinia for amazon/flipkart vouchers. get add on cards if you are reaching the limit regularly.
2 - rest payments(the other 1.5L monthly and construction) should be done using magnus burgundy.
3 - if you are into marriott, you can hit the 4L milestone and the continue above.

 

[uchitshah]

My answer is only limited to your question comparing infinia and Burgundy

Infinia is much better then Magnus anyday, infinia can be your primary card for all transactions.

If you been upgraded to Burgundy and given Burgundy Magnus, still infinia is better.

Magnus 4 Burgundy has 30k joining and renewal fee, but still rewards of Infinia is much better.

 

[_ayush]

How infinia is much better than m4b? Except smartbuy, infinia has base reward rate of 3.3% while m4b has 4.8%. And over 1.5L in a month, m4b gives 14%.

My answer is only limited to your question comparing infinia and Burgundy

Infinia is much better then Magnus anyday, infinia can be your primary card for all transactions.

If you been upgraded to Burgundy and given Burgundy Magnus, still infinia is better.

Magnus 4 Burgundy has 30k joining and renewal fee, but still rewards of Infinia is much better.

 

[uchitshah]

How infinia is much better than m4b? Except smartbuy, infinia has base reward rate of 3.3% while m4b has 4.8%. And over 1.5L in a month, m4b gives 14%.

U

Thread 'My Observation b/w Axis Magnus Burgundy and HDFC Infinia, DCB Metal, BizBlack'

Jan 1, 2025

Hello,

I have Axis Magnus for Burgundy (M4B)

This has been my general observation, need more opinion and value addition by seniors and redemption experts, who does details analysis from time to time.

Axis M4B most effective redemption tool is airmiles conversion at (5:4 ratio). (4.8% reward rate)

Where else for hdfc super premium category is airmiles conversion at (1:1 ratio) or by paying for airtickets at (1 Rp : 1 Rs) upto 70% of ticket cost. (3.3% reward rate)

I have around 1 lac points in Maharaja Points (Air India)

I found that 1 maharaja point is worth between 60 to 70 paise...

• uchitshah
• axis axis magnus bizblack burgundy dcb dcb metal hdfc dcb infinia super premium
• Replies: 4
• Forum: Super Premium Credit Cards

Kindly refer to above thread

On Paper M4B looks more attractive then Infinia.
I agree 4.8% vs 3.3%

But you need to convert that 4.8% into airmiles and then redeem them.

Airlines generally gives less then 1rs value in all airline.

In comparison infinia gives points which can be redeem directly as cash during booking tickets.

We were also able to find this details when did through analysis with use of excel and actual figures, then we realised Infinia @ 3.3% is better then M4B.

 

[Vinay13]

U

Thread 'My Observation b/w Axis Magnus Burgundy and HDFC Infinia, DCB Metal, BizBlack'

Jan 1, 2025

Hello,

I have Axis Magnus for Burgundy (M4B)

This has been my general observation, need more opinion and value addition by seniors and redemption experts, who does details analysis from time to time.

Axis M4B most effective redemption tool is airmiles conversion at (5:4 ratio). (4.8% reward rate)

Where else for hdfc super premium category is airmiles conversion at (1:1 ratio) or by paying for airtickets at (1 Rp : 1 Rs) upto 70% of ticket cost. (3.3% reward rate)

I have around 1 lac points in Maharaja Points (Air India)

I found that 1 maharaja point is worth between 60 to 70 paise...

• uchitshah
• axis axis magnus bizblack burgundy dcb dcb metal hdfc dcb infinia super premium
• Replies: 4
• Forum: Super Premium Credit Cards

Kindly refer to above thread

On Paper M4B looks more attractive then Infinia.
I agree 4.8% vs 3.3%

But you need to convert that 4.8% into airmiles and then redeem them.

Airlines generally gives less then 1rs value in all airline.

In comparison infinia gives points which can be redeem directly as cash during booking tickets.

We were also able to find this details when did through analysis with use of excel and actual figures, then we realised Infinia @ 3.3% is better then M4B.

If you do accor redemtion then RR becomes 4.8*1.8

 

[sourpai]

U

Thread 'My Observation b/w Axis Magnus Burgundy and HDFC Infinia, DCB Metal, BizBlack'

Jan 1, 2025

Hello,

I have Axis Magnus for Burgundy (M4B)

This has been my general observation, need more opinion and value addition by seniors and redemption experts, who does details analysis from time to time.

Axis M4B most effective redemption tool is airmiles conversion at (5:4 ratio). (4.8% reward rate)

Where else for hdfc super premium category is airmiles conversion at (1:1 ratio) or by paying for airtickets at (1 Rp : 1 Rs) upto 70% of ticket cost. (3.3% reward rate)

I have around 1 lac points in Maharaja Points (Air India)

I found that 1 maharaja point is worth between 60 to 70 paise...

• uchitshah
• axis axis magnus bizblack burgundy dcb dcb metal hdfc dcb infinia super premium
• Replies: 4
• Forum: Super Premium Credit Cards

Kindly refer to above thread

On Paper M4B looks more attractive then Infinia.
I agree 4.8% vs 3.3%

But you need to convert that 4.8% into airmiles and then redeem them.

Airlines generally gives less then 1rs value in all airline.

In comparison infinia gives points which can be redeem directly as cash during booking tickets.

We were also able to find this details when did through analysis with use of excel and actual figures, then we realised Infinia @ 3.3% is better then M4B.

Axis for Accor
Infinia for Air tickets.

This is the rule that should be followed, which will allow you to get more returns

Axis Accor combo gives significantly higher returns than Infinia

 

[Vinay13]

Infinia not good for international air tickets. Connivence fees are higher and rates not good

 

[_ayush]

U

Thread 'My Observation b/w Axis Magnus Burgundy and HDFC Infinia, DCB Metal, BizBlack'

Jan 1, 2025

Hello,

I have Axis Magnus for Burgundy (M4B)

This has been my general observation, need more opinion and value addition by seniors and redemption experts, who does details analysis from time to time.

Axis M4B most effective redemption tool is airmiles conversion at (5:4 ratio). (4.8% reward rate)

Where else for hdfc super premium category is airmiles conversion at (1:1 ratio) or by paying for airtickets at (1 Rp : 1 Rs) upto 70% of ticket cost. (3.3% reward rate)

I have around 1 lac points in Maharaja Points (Air India)

I found that 1 maharaja point is worth between 60 to 70 paise...

• uchitshah
• axis axis magnus bizblack burgundy dcb dcb metal hdfc dcb infinia super premium
• Replies: 4
• Forum: Super Premium Credit Cards

Kindly refer to above thread

On Paper M4B looks more attractive then Infinia.
I agree 4.8% vs 3.3%

But you need to convert that 4.8% into airmiles and then redeem them.

Airlines generally gives less then 1rs value in all airline.

In comparison infinia gives points which can be redeem directly as cash during booking tickets.

We were also able to find this details when did through analysis with use of excel and actual figures, then we realised Infinia @ 3.3% is better then M4B.

Firstly you are only looking at air india. Axis has so many other partners. If you look at accor, you get a value of 1.8 rupees per point. If you want to redeem for airmiles, there are other options which offer better value (especially if you are travelling business class).
Secondly, you are forgetting about accelerated rewards over 1.5L monthly spends on m4b. OP mentioned that his spends cross 2L regularly. Considering even 2L spend, the overall reward rate of m4b becomes 7.1%. If he can merge 2 months spends, for 4L spends in a month, the overall reward rate would be 10.5%.
Third, in your calculations, you are forgetting the convience fees charged by smartbuy for flight bookings. Also smartbuy fares are a bit higher compared to other sites. Value of each point comes around 0.9rs, making Infinia's reward rate around 3%.

 

[ENIAC]

alright current scenario is weird af
i have Magnus (today i got a call to upgrade to burgundy)
Infinia (not LTF)
Amex gold charge
Amex plat travel (rejected due to some address issue but they said will reissue the card in 5-7 days)
Regalia Gold
Neu Infinity.

My house is under construction i noticed something that many cement and brick dealers do take credit card without any charges.
i am planning to use my cc's wherever possible to save money. which card do u guys suggest i use or if anyother is good i can apply and get apporved easily.
My monthly spends cross 2L easily (excluding construction that is separate)
I spend 50k on amazon or flipkart per month thats like fixed

When you say you have 50K expenses on Amazon and Flipkart, hope you are not talking abt business spend, Axis will make your life miserable if that is the case. They are well known for such amazing feats like blocking reward ACC for redemption etc.

 

[saver-user]

True indeed man thanks for remindingme i completely forgot abt their shitty Redemption rate of airlines

U

Thread 'My Observation b/w Axis Magnus Burgundy and HDFC Infinia, DCB Metal, BizBlack'

Jan 1, 2025

Hello,

I have Axis Magnus for Burgundy (M4B)

This has been my general observation, need more opinion and value addition by seniors and redemption experts, who does details analysis from time to time.

Axis M4B most effective redemption tool is airmiles conversion at (5:4 ratio). (4.8% reward rate)

Where else for hdfc super premium category is airmiles conversion at (1:1 ratio) or by paying for airtickets at (1 Rp : 1 Rs) upto 70% of ticket cost. (3.3% reward rate)

I have around 1 lac points in Maharaja Points (Air India)

I found that 1 maharaja point is worth between 60 to 70 paise...

• uchitshah
• axis axis magnus bizblack burgundy dcb dcb metal hdfc dcb infinia super premium
• Replies: 4
• Forum: Super Premium Credit Cards

Kindly refer to above thread

On Paper M4B looks more attractive then Infinia.
I agree 4.8% vs 3.3%

But you need to convert that 4.8% into airmiles and then redeem them.

Airlines generally gives less then 1rs value in all airline.

In comparison infinia gives points which can be redeem directly as cash during booking tickets.

We were also able to find this details when did through analysis with use of excel and actual figures, then we realised Infinia @ 3.3% is better then M4B.

 

[saver-user]

When you say you have 50K expenses on Amazon and Flipkart, hope you are not talking abt business spend, Axis will make your life miserable if that is the case. They are well known for such amazing feats like blocking reward ACC for redemption etc.

No its actually groceries that come from amazkm fresh and flipkart. That alone accounts to 40k rest 10-20k normal stuff