Tata Neu Infinity HDFC vs Axis Magnus
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Tata Neu Infinity HDFC wins 6-3. Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj Axis Magnus is still the right call if high-spenders post-2024 devaluation — still solid for ₹2l+/month travel..
Side-by-side
| Criterion | Tata Neu Infinity HDFC | Axis Magnus |
|---|---|---|
| Annual fee | ₹1,499 | · ₹12,500 |
| Joining fee | ₹1,499 | · ₹12,500 |
| Top reward rate | · 5% (shopping) | 12% (travel) |
| Base reward rate | · 1.5% | 4.8% |
| Forex markup | · 3.5% | 2% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹2,500,000 / yr |
| Min income | ₹600,000 | · ₹1,800,000 |
| Min credit score | 750 | · 780 |
| Editorial rating | 4.5/5 | · 4.3/5 |
Benefits compared
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
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
FAQ
›Tata Neu Infinity HDFC vs Axis Magnus: which is better?
Tata Neu Infinity HDFC wins on more dimensions (6 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 Tata Neu Infinity HDFC for its best categories, Axis Magnus for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee). Axis Magnus: 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher.