Head-to-head · 🇮🇳 India
Axis Magnus vs ICICI Sapphiro
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
Axis Bank
Axis Magnus
Wins 3 of 10
IN
Premium
ICICI Bank
ICICI Sapphiro
VISA
Wins 4 of 10
Verdict
ICICI Sapphiro wins 4-3. Mid-premium with strong dining + travel mix. 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 | ICICI Sapphiro |
|---|---|---|
| Annual fee | · ₹12,500 | ₹3,500 |
| Joining fee | · ₹12,500 | ₹6,500 |
| Top reward rate | 12% (travel) | · 1% (general) |
| Base reward rate | 4.8% | · 1% |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher | = 10,000 reward points worth ₹2,500 |
| Fee waiver threshold | · ₹2,500,000 / yr | ₹600,000 / yr |
| Min income | · ₹1,800,000 | ₹1,000,000 |
| Min credit score | = 780 | = 780 |
| Editorial rating | = 4.3/5 | = 4.3/5 |
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
ICICI Sapphiro
- 4 PAYBACK points per ₹100
- 2 complimentary international + 4 domestic lounge visits/year
- 15% off at 800+ restaurants (Culinary Treats)
- 25% off BookMyShow tickets
- Comprehensive travel insurance
FAQ
›Axis Magnus vs ICICI Sapphiro: which is better?
ICICI Sapphiro wins on more dimensions (4 vs 3). 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, ICICI Sapphiro 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. ICICI Sapphiro: 10,000 reward points worth ₹2,500.