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HDFC Infinia — ₹0.65/ptAxis Magnus — ₹0.55/ptAmex Platinum — ₹0.70/ptHDFC Diners Black — ₹0.62/ptAmex MRCC — ₹0.68/ptAmazon Gift Card — 88% valueFlipkart Gift Card — 85% valueMakeMyTrip Voucher — 88% valueEmirates Skywards — Award booking availableAir India — Award booking availableBritish Airways Avios — Award booking availableSBI Elite — ₹0.35/ptHDFC Infinia — ₹0.65/ptAxis Magnus — ₹0.55/ptAmex Platinum — ₹0.70/pt
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HDFC Infinia vs Axis Magnus
Which Card Delivers Better Points Value?

Both are India's top super-premium credit cards with airline transfer partners. But which one actually gives you more value per point? Here's a data-driven comparison.

Feature HDFC INFINIA AXIS MAGNUS
Annual Fee₹12,500 + GST₹12,500 + GST (waived on ₹25L spend)
Point Earn Rate5 RP per ₹150 (3.3%)12 Edge Miles per ₹200 (6%)
Value per Point (RP/EM)₹0.25 – ₹1.25+₹0.20 – ₹1.00+
Bank Catalogue Value₹0.25/pt (Poor)₹0.20/pt (Poor)
SmartBuy Flights₹0.50/pt (Good)N/A
Best Transfer Value₹1.00–₹1.25/pt (Excellent)₹0.80–₹1.00/pt (Very Good)
Cashard Value Recovery~₹0.60/pt~₹0.50/pt
Key Airline PartnerSingapore Airlines, Air India, EtihadKrisFlyer, Vistara
Transfer Ratio1 RP = 1 Mile1 EM = 1 Mile
Hotel TransferYes (Marriott 1:1)No
Risk ClassificationYellow — AdvisoryYellow — Advisory
Transfer Partners Count6+ airline + hotel4 airline
Welcome Benefit12,500 RP (worth ~₹5,000)25,000 EM (worth ~₹10,000)

Choose HDFC Infinia If:

  • You want the widest transfer partner network
  • You value hotel transfers (Marriott)
  • You frequently use SmartBuy for flights
  • You want higher per-point value at ceiling
Full HDFC Infinia Guide

Choose Axis Magnus If:

  • You want higher earn rate (6% vs 3.3%)
  • You have ₹25L+ annual spend (fee waiver)
  • You prefer Singapore KrisFlyer for Star Alliance
  • You want a simpler, focused transfer strategy
Full Axis Magnus Guide

Not Sure Which One You Have?

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Frequently Asked Questions

Can I transfer HDFC Infinia points to Axis Magnus or vice versa?
No. Each bank's reward points are locked to their own transfer partner ecosystem. HDFC Infinia transfers to HDFC's partners (Singapore Airlines, Etihad, Marriott, etc.) and Axis Magnus transfers to Axis's partners (KrisFlyer, Vistara, etc.).
Which card gives better value per rupee spent?
Axis Magnus earns at ~6% (12 EM/₹200) versus HDFC Infinia at ~3.3% (5 RP/₹150). However, HDFC points typically have higher per-point redemption value. For pure spending efficiency, Magnus earns faster; for redemption ceiling, Infinia wins.
What is the best use of points if I don't travel?
If you don't travel, value recovery through Cashard typically gives you 2-3x more than the bank's own catalogue redemption. HDFC Infinia recovery is ~₹0.60/pt and Axis Magnus is ~₹0.50/pt, both significantly better than ₹0.20-0.25/pt from catalogues.
Does Cashard buy airline miles?
No. Cashard does not buy or sell airline miles directly. For airline miles, we offer an award booking concierge service that helps you find availability and book premium cabin flights using your miles.

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