Axis Magnus vs PNB Rupay Platinum vs HDFC Tata Neu Plus
Side-by-side credit card comparison to help you choose the best one.
Our Pick
Axis Magnus
4.9
Why this card wins: Travel & Milestone Rewards — 12 EDGE Reward points per ₹200
| Feature | Axis Magnus | PNB Rupay Platinum | HDFC Tata Neu Plus |
|---|---|---|---|
| Bank | Axis Bank | Punjab National Bank | HDFC Bank |
| Card Type | Super Premium | Entry Level | Cashback |
| Annual Fee | ₹12,500 + GST | ₹299 + GST | ₹499 + GST |
| Joining Fee | ₹12,500 + GST | ₹99 + GST | ₹499 + GST |
| Rewards | 12 EDGE Reward points per ₹200 | 2 reward points per ₹100 on all spends | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Travel & Milestone Rewards | Budget Users | Tata Ecosystem |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹5,00,000 - ₹25,00,000 | ₹25,000 - ₹1,50,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 25,000 EDGE Reward points | None | 500 NeuCoins on first txn |
| Min Income | ₹1,50,000/month | ₹12,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + 8 international (Priority Pass) | None | None |
| Fuel Surcharge Waiver | 1% waiver on all fuel txns | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 2.0% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.9 | 3.9 | 4.5 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
Axis Magnus
Travel & Milestone Rewards
Visa Infinite • Super Premium
- Unlimited domestic lounge visits & priority pass
- Annual fee waiver on ₹25L annual spend
- VIP meet & greet services at airports
- Luxury hotel and dining benefits
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
Verdict
Based on rating and overall value, Axis Magnus ranks highest among your selected cards. It excels at Travel & Milestone Rewards and offers 12 EDGE Reward points per ₹200.