Axis Magnus for Burgundy
4,800
Maharaja Points per ₹1L
6 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹30,000/yr
Best of · September 2026
Air India is the flag carrier, and the Vistara merger folded 4.5 million Club Vistara members into Maharaja Club at 1:1 — a balance a great many Indian flyers hold whether they planned to or not. 80 of our 645 priced cards can put points into it, and the ratio is only half the answer: what matters is how many Maharaja Points a rupee of spend becomes. Axis Magnus for Burgundy turns ₹1L of spend into 4,800.
Axis Magnus for Burgundy. Spend ₹1L on it in a month and you end up with 4,800 Maharaja Points — ₹3,840 of them at our ₹0.80 house mark. 6 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹30,000/yr. That is base earn multiplied by the ratio that card actually gets — not the headline ratio, and not the ratio a different card on the same bank's points would get. Axis Magnus for Burgundy is invite- or relationship-gated, so if that is not your wallet: the best card here you can simply apply for is Kotak Solitaire at 3,000 per ₹1L (₹0 joining, then ₹25,000/yr).
Verified through · The records behind this board — the ratios into Air India Maharaja Points we could re-read, and that program's house mark — carry re-verification dates from 11 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build.
4,800
Maharaja Points per ₹1L
6 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹30,000/yr
3,000
Maharaja Points per ₹1L
3 pts/₹100 in Kotak Air Miles at 1:1 · ₹0 joining, then ₹25,000/yr
3,000
Maharaja Points per ₹1L
3 pts/₹100 in HSBC Reward Points at 1:1 · ₹12,000 joining, then ₹20,000/yr
Ranks 4–15 of 80
| # | Card | Maharaja Points per ₹1L | The math |
|---|---|---|---|
| 4 | Axis Bank Reserve | 3,000 | 7.5 pts/₹100 in Axis EDGE Reward Points at 5:2 · ₹50,000/yr |
| 5 | Axis Magnus | 2,400 | 6 pts/₹100 in Axis EDGE Reward Points at 5:2 · ₹12,500/yr |
| 6 | Axis Horizon | 2,000 | 2 pts/₹100 in Axis EDGE Miles at 1:1 · ₹3,000/yr |
| 7 | HSBC TravelOne | 2,000 | 2 pts/₹100 in HSBC Reward Points at 1:1 · ₹4,999/yr |
| 8 | ICICI Times Black | 2,000 | 2 pts/₹100 in ICICI Reward Points at 1:1 · ₹20,000/yr |
| 9 | HDFC Diners Club Black Metal | 1,665 | 3.33 pts/₹100 in HDFC Reward Points at 2:1 · ₹10,000/yr |
| 10 | IndusInd Tiger | 1,000 | 1 pts/₹100 in IndusInd Reward Points at 1:1 · ₹0 — lifetime free |
| 11 | SBI Card MILES PRIME | 1,000 | 1 pts/₹100 in SBI Travel Credits at 1:1 · ₹2,999/yr |
| 12 | Kotak Air+ Prime | 1,000 | 2 pts/₹100 in Kotak Air Miles at 2:1 · ₹3,000/yr |
| 13 | SBI Card MILES ELITE | 1,000 | 1 pts/₹100 in SBI Travel Credits at 1:1 · ₹4,999/yr |
| 14 | RBL Nova | 1,000 | 2 pts/₹100 in RBL Reward Points (Nova/Lumière) at 2:1 · ₹12,500/yr |
| 15 | HDFC Regalia Gold | 825 | 2.5 pts/₹100 in HDFC Reward Points at 100:33 · ₹2,500/yr |
| # | Card | Maharaja Points per ₹1L | The math |
|---|---|---|---|
| 16 | SBI AURUM | 800 | 4 pts/₹100 in AURUM Reward Points at 5:1 · ₹9,999/yr |
| 17 | HSBC Platinum | 667 | 1.333 pts/₹100 in HSBC Reward Points at 2:1 · ₹0 — lifetime free |
| 18 | HSBC RuPay Platinum | 667 | 1.333 pts/₹100 in HSBC Reward Points at 2:1 · ₹0 — lifetime free |
| 19 | YES Bank Marquee | 600 | 9 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹9,999 joining, then ₹4,999/yr |
| 20 | Axis Bank SELECT | 500 | 5 pts/₹100 in Axis EDGE Reward Points at 10:1 · ₹3,000/yr |
| 21 | IndusInd Pinnacle World | 500 | 1 pts/₹100 in IndusInd Reward Points at 2:1 · ₹0/yr · ₹15,000 joining (one-time) |
| 22 | IndianOil Axis Bank Premium | 335 | 0.67 pts/₹100 in Axis EDGE Miles at 2:1 · ₹1,000/yr |
| 23 | Kotak Air | 333 | 1 pts/₹100 in Kotak Air Miles at 3:1 · ₹999/yr |
| 24 | Axis Bank Privilege Easy | 250 | 5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹1,500/yr |
| 25 | IndusInd Legend | 250 | 1 pts/₹100 in IndusInd Reward Points at 4:1 · ₹0/yr · ₹5,000 joining (one-time) |
| 26 | Axis Bank Pride Signature | 200 | 4 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr |
| 27 | YES Bank FinBooster | 67 | 1 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹0 — lifetime free |
| 28 | YES FinBooster RuPay | 67 | 1 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹0 — lifetime free |
| 29 | YES Bank anQ Pi | 67 | 1 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹0 — lifetime free |
| 30 | YES BANK RuPay Virtual | 67 | 1 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹0 — lifetime free |
| 31 | IndianOil Easy Axis Bank | 50 | 1 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹0 — lifetime free |
| 32 | SBI Card MILES | 500 | 0.5 pts/₹100 in SBI Travel Credits at 1:1 · ₹1,499/yr · the desk's own verdict is downgrade |
| 33 | Axis Bank Privilege | 500 | 5 pts/₹100 in Axis EDGE Reward Points at 10:1 · ₹1,500/yr · the desk's own verdict is downgrade |
| 34 | YES Bank RESERV | 400 | 6 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹2,499/yr · the desk's own verdict is downgrade |
| 35 | YES Bank BYOC (Rewards) | 267 | 4 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹588/yr · the desk's own verdict is downgrade |
| 36 | Samsung Axis Bank Signature | 250 | 5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade |
| 37 | YES Bank ELITE+ | 200 | 3 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹999/yr · the desk's own verdict is downgrade |
| 38 | YES Bank Wellness Plus | 200 | 3 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹1,499/yr · the desk's own verdict is downgrade |
| 39 | Axis Bank REWARDS | 160 | 1.6 pts/₹100 in Axis EDGE Reward Points at 10:1 · ₹1,000/yr · the desk's own verdict is downgrade |
| 40 | Axis Bank Platinum | 150 | 3 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500 joining, then ₹200/yr · the desk's own verdict is downgrade |
| 41 | YES Bank ACE | 133 | 2 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹499/yr · the desk's own verdict is downgrade |
| 42 | YES Bank Wellness | 133 | 2 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹499/yr · the desk's own verdict is downgrade |
| 43 | YES Bank SELECT | 133 | 2 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹599/yr · the desk's own verdict is downgrade |
| 44 | YES Essence | 133 | 2 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹799/yr · the desk's own verdict is downgrade |
| 45 | Axis Bank Pride Platinum | 100 | 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250/yr · the desk's own verdict is downgrade |
| 46 | Axis Bank My Zone | 100 | 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade |
| 47 | Axis Bank My Zone Easy | 100 | 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade |
| 48 | Axis Bank My Wings | 100 | 2 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹1,200 joining, then ₹500/yr · the desk's own verdict is cancel |
| 49 | Axis Bank Titanium Smart Traveller | 50 | 1 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250 joining, then ₹100/yr · the desk's own verdict is downgrade |
| 50 | IndianOil Axis Bank Credit Card | 50 | 1 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹500/yr · the desk's own verdict is downgrade |
| 51 | Axis Bank NEO | 25 | 0.5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250/yr · the desk's own verdict is downgrade |
| 52 | Axis Burgundy Private | 6,000 | 7.5 pts/₹100 in Axis EDGE Reward Points at 5:4 · ₹1,00,000/yr · invite-only — not on open application |
| 53 | Axis Bank PRIMUS | 5,000 | 1 pts/₹100 in Axis EDGE Miles at 1:5 · ₹5,00,000 joining, then ₹3,00,000/yr · invite-only — not on open application |
| 54 | Air India SBI Signature Card | 4,000 | co-brand — earns Maharaja Points directly, no transfer · ₹4,999/yr · closed to new applicants |
| 55 | Axis Atlas | 4,000 | 2 pts/₹100 in Axis EDGE Miles at 1:2 · ₹5,000/yr · closed to new applicants |
| 56 | Axis Olympus | 4,000 | 1 pts/₹100 in Axis EDGE Miles at 1:4 · ₹20,000/yr · invite-only — not on open application |
| 57 | HSBC Privé | 3,330 | 3.33 pts/₹100 in HSBC Reward Points at 1:1 · ₹2,75,000/yr · invite-only — not on open application |
| 58 | Axis Bank Vistara Infinite Credit Card | 3,000 | co-brand — earns Maharaja Points directly, no transfer · ₹0 — lifetime free · closed to new applicants |
| 59 | Club Vistara IDFC FIRST | 3,000 | co-brand — earns Maharaja Points directly, no transfer · ₹4,999/yr · closed to new applicants |
| 60 | ICICI Emeralde Private Metal | 3,000 | 3 pts/₹100 in ICICI Reward Points at 1:1 · ₹12,499/yr · invite-only — not on open application |
| 61 | IndusInd PIONEER Private | 3,000 | 3 pts/₹100 in IndusInd Reward Points at 1:1 · ₹25,000/yr · invite-only — not on open application |
| 62 | Axis Bank Vistara Signature Credit Card | 2,000 | co-brand — earns Maharaja Points directly, no transfer · ₹0 — lifetime free · closed to new applicants |
| 63 | Air India SBI Platinum Card | 2,000 | co-brand — earns Maharaja Points directly, no transfer · ₹1,499/yr · closed to new applicants |
| 64 | Club Vistara SBI Card PRIME | 2,000 | co-brand — earns Maharaja Points directly, no transfer · ₹0/yr · ₹2,999 joining (one-time) · closed to new applicants |
| 65 | RBL Lumière | 2,000 | 2 pts/₹100 in RBL Reward Points (Nova/Lumière) at 1:1 · ₹50,000/yr · invite-only — not on open application |
| 66 | HDFC Infinia Metal | 1,665 | 3.33 pts/₹100 in HDFC Reward Points at 2:1 · ₹12,500/yr · invite-only — not on open application |
| 67 | Club Vistara SBI Card | 1,500 | co-brand — earns Maharaja Points directly, no transfer · ₹0/yr · ₹1,499 joining (one-time) · closed to new applicants |
| 68 | HSBC Advance Platinum | 1,333 | 1.333 pts/₹100 in HSBC Reward Points at 1:1 · ₹0 — lifetime free · closed to new applicants |
| 69 | Axis Bank Vistara Credit Card | 1,000 | co-brand — earns Maharaja Points directly, no transfer · ₹0 — lifetime free · closed to new applicants |
| 70 | HSBC Smart Value | 1,000 | 1 pts/₹100 in HSBC Reward Points at 1:1 · ₹0 — lifetime free · closed to new applicants |
| 71 | IndusInd Indulge | 750 | 1.5 pts/₹100 in IndusInd Reward Points at 2:1 · ₹75,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 72 | YES Private Prime | 667 | 10 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹20,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 73 | YES Private | 667 | 10 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹50,000 joining, then ₹10,000/yr · invite-only — not on open application |
| 74 | IndusInd Pioneer Heritage | 500 | 1 pts/₹100 in IndusInd Reward Points at 2:1 · ₹1,00,000 joining, then ₹25,000/yr · invite-only — not on open application |
| 75 | Axis Bank Signature | 400 | 1 pts/₹100 in Axis EDGE Reward Points at 5:2 · ₹1,500 joining, then ₹1,000/yr · closed to new applicants |
| 76 | YES First Preferred | 267 | 4 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹999/yr · closed to new applicants |
| 77 | Samsung Axis Bank Infinite | 250 | 5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹5,000/yr · closed to new applicants |
| 78 | YES Bank anQ Phi | 133 | 2 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹0 joining, then ₹499/yr · closed to new applicants |
| 79 | YES Prosperity Rewards | 67 | 1 pts/₹100 in YES Rewardz (YES CC Rewardz) at 15:1 · ₹399/yr · closed to new applicants |
| 80 | Axis Bank Freecharge | 25 | 0.5 pts/₹100 in Axis EDGE Reward Points at 20:1 · ₹250/yr · invite-only — not on open application |
For every card we take the points its base rate actually POSTS — the count on your statement, per ₹100, with its monthly reward cap applied, never a rate we have already scaled for what a point is worth — and multiply by the best ACTIVE route from its currency into Air India Maharaja Points at the ratio that specific card gets — variant ratios included, whitelisted routes honoured. A co-brand that earns Maharaja Points directly is listed at its face rate with no ratio at all. Base earn only: accelerators, milestones, tier bonuses and welcome offers are deliberately out, because they are card- and category-specific bets a "per ₹1L" number cannot honestly carry — the card pages and the calculator price those. Transfer minimums, transfer fees and posting times still apply per route; the transfer desk carries every one of them. Cards with no live route in are listed unranked below.
Same engines as the calculator, the optimizer and the lounge map. When the data moves, this page moves — see the tracker.
80 of the 973 Indian personal cards on the desk are ranked here. 565 are listed unranked with the computed reason — no route into air india maharaja points — because a card we can't rank honestly gets named, not hidden. A further 328 are carried but not valued at all — 51 with no annual fee any issuer document states, 231 whose issuer has not published how the card earns, 46 with neither — because scoring an unknown as ₹0 is a claim, not a gap. Business and corporate cards are ranked apart from these: 70 priced ones sit on /best/business, because pricing an MSME card against a personal wallet answers a question nobody asked (ADR 0012).
The records behind this board — the ratios into Air India Maharaja Points we could re-read, and that program's house mark — carry re-verification dates from 11 Jul 2026 to 25 Sept 2026; the board is recomputed from them on every build. Nothing on this page is typed by hand: the podium, the table and the numbers in this answer are all recomputed from those records every time the site builds, so a devaluation moves the ranking the day we log it.
13 of the 80 ranked here are lifetime free. The best on Maharaja Points per ₹1L is IndusInd Tiger at 1,000. This board's call, Axis Magnus for Burgundy, costs ₹30,000/yr and reaches 4,800 — that gap is what the fee buys.
On what this board ranks — Maharaja Points per ₹1L — yes: 4,800 against 3,000. That is the whole claim, and a narrow one. No card wins overall: 23 boards, 23 questions.
More calls from the desk: