Axis Magnus vs AU Bank Zenith
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
AU Bank Zenith wins 5-2. Underrated mid-premium — punches above its fee tier. Axis Magnus is still the right call if high-spenders post-2024 devaluation — still solid for ₹2l+/month travel..
Side-by-side
| Criterion | Axis Magnus | AU Bank Zenith |
|---|---|---|
| Annual fee | · ₹12,500 | ₹7,500 |
| Joining fee | · ₹12,500 | ₹7,500 |
| Top reward rate | 12% (travel) | · 10% (travel) |
| Base reward rate | 4.8% | · 2% |
| Forex markup | = 2% | = 2% |
| Welcome bonus | = 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher | = 7,500 reward points + Vistara Premium Economy ticket |
| Fee waiver threshold | · ₹2,500,000 / yr | ₹800,000 / yr |
| Min income | · ₹1,800,000 | ₹1,200,000 |
| Min credit score | = 780 | = 780 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Axis Magnus
- 12 EDGE points per ₹200 on travel via TravelEdge portal
- 4.8 EDGE points per ₹200 on general spend
- Unlimited international + domestic lounge access (Priority Pass)
- Buy 1 get 1 BookMyShow tickets monthly (capped 5)
- Annual ₹10,000 milestone vouchers from Tata CLiQ
- Concierge 24x7 + golf 4x/month
AU Bank Zenith
- 10 ZenPoints per ₹100 on travel + dining
- 2 ZenPoints per ₹100 on general spend
- 8 complimentary international lounge visits per quarter
- 12 complimentary domestic lounge visits / year
- Annual milestone: free domestic flight at ₹6L spend
- 4 free golf rounds/quarter at 250+ courses
FAQ
›Axis Magnus vs AU Bank Zenith: which is better?
AU Bank Zenith wins on more dimensions (5 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis Magnus for its best categories, AU Bank Zenith for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis Magnus: 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher. AU Bank Zenith: 7,500 reward points + Vistara Premium Economy ticket.