Credit Card Magnus Axis Bank Normal vs. Burgundy Account

Axis Bank Magnus Card aur Burgundy, credit card ki duniya mein ek vishesha chayan hai, har ek apne Welcome benefits aur privilege ke saath. Ye premium cards, jo Welcome benefits, non-spend fayde, aur vishesha kshetron se bharpoor hain, ve vyaktiyon ke liye hain jo ek vyavsayik aur vishesha credit card anubhav ki talash mein hain. Let’s delve into a brief comparison to understand which card aligns better with your financial needs and lifestyle.

Axis Bank Magnus Card Ka Overview:

Joining aur Renewal Fee:

₹12,500 (waived off agar saal mein ₹25 lakh kharch kiya jaaye)

Welcome Benefits:

₹12,500 ka Luxe, Postcard, Hotels, Yatra.com ka Gift Card aur ek tareek domestic class ka ticket

Renewal ke koi fayde nahi

Non-spend benefits

Movie Benefits:

Book My Show ke zariye movies aur non-movies par ₹500 tak ka Buy One Get One (five times a month)

Lounge Access:

Unlimited complimentary domestic airport lounge visits
Priority Pass: Unlimited complimentary visits aur 8 Guest Visits
Saal mein 8 complimentary airport meet and greet services

Spend Base Benefits:

Har ₹200 kharch par 12 Edge Reward Points
₹1.5 lakh se adhik kharch par har ₹200 ke kharch par additional 35 Edge Reward Points

Wallet loads, Government transactions, utilities, EMI transactions, aur cash withdrawal par koi points nahi
Rent transaction par ₹50,000 tak ka Edge reward point

Special Categories:

Har ₹200 kharch par flights aur hotels par 35 Edge Reward Points from Travel Edge
Mahine mein ₹2 lakh tak kharch par har ₹200 ke liye 60 Edge Points from Travel Edge
₹2,00,000 se adhik kharch par travel edge par 35 Edge Points

Instant voucher kharidne par Gift Edge platform se 2x se lekar 5x tak Edge Rewards
Amazon aur Flipkart jaise bade brands ke instant voucher kharch par 2x reward points
Swiggy aur Zomato par 3x points

Redemption:

Brand vouchers aur flights/hotels ke liye Edge Points ka istemal kare (1 Edge Point = 20 paisa)
Travel Edge platform se travel partner miles ko convert kare (Har 5 points ke liye 2 miles, adhik se adhik 5 lakh points saal mein)

Axis Bank Magnus vs. Burgundy:

Axis Bank Magnus ka base reward rate hai sirf 2.4% (sirf Amazon par)
Burgundy ka base reward rate hai 4.8% aur Amazon par 9.6% aur Travel Edge par 24%
₹1.5 lakh se adhik kharch par Burgundy deta hai 14% ki laabh

Considerations:

Axis Bank Magnus ka return kam hota hai agar mahine mein ₹4 se ₹5 lakh ke neeche kharch kiya jaaye
Burgundy ka zyada return pana mushkil ho sakta hai sarkari kharch aur utilities aur rent ko shamil karke
Magnus par koi renewal benefit nahi; lifestyle benefits ka bhi dhyan rakhe

Conclusion:

Magnus ko recommend kiya jata hai jinhe renewal fee waiver criteria meet hoti hai aur woh card par niyamit kharch karte hain
Newbies ko suggest kiya jata hai ki woh Burgundy ko consider karein agar unhe afford kar sakte hain
Existing Magnus cardholders ko renewal tak chalne diya ja sakta hai, lifestyle benefits aur waiver criteria ko dhyan mein rakhte hue
Burgundy ko recommend kiya jata hai jinhe adhik quarterly balance ya substantial relationship value hai

Burgundy relationship eligibility criteria, individual Customer ID level par calculate kiya jata hai:

Savings Account mein ₹10 lakh ka average quarterly balance maintain karna, YA Savings Accounts aur Current Accounts mein ₹10 lakh ka average quarterly balance maintain karna, YA
Minimum Total Relationship Value^(TRV) ₹30 lakh ka maintain karna, YA
Minimum Total Relationship Value^(TRV) ₹1 crore ka maintain karna jo Demat holdings ko shamil karta hai, YA
Salaried customers ke case mein, Axis Bank Salary Account mein har mahine ₹3 lakh se adhik net salary credit milna chahiye, YA
NRI’s ke liye, pichle 12 mahino mein Wire transfer ya Remit Money ke zariye kam se kam ₹40 lakh ka foreign inward remittance milna chahiye.

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