Axis Atlas vs Axis Magnus for Burgundy (2026)
Axis Magnus for Burgundy vs Axis Atlas: which wins?
₹3,93,696ranking value a year at ₹3L a month, to Axis Magnus for Burgundy
Skip the duel — the board, ranked → · nothing to sign up for
₹5,000 of focus vs ₹30,000 of firepower behind a velvet rope — Axis's two survivors fight over your travel spend.
Axis Atlas wins under ₹1.75L/month; Axis Magnus for Burgundy takes over above it.
Every metric, row by row — 12 compared
Head to head
| Axis Atlas | Metric | Axis Magnus for Burgundy |
|---|---|---|
| closed | Our rank | #1 |
| ₹5,000/yr — wins this row | Fee — joining · annual (+ GST) | ₹30,000/yr |
| None | Fee waiver | ₹30,00,000 spend |
| 3.5% + GST. Dynamic currency conversion markup 3.5% since 28 August 2026, up from 1.5%, per the bank-wide revision notice. | Forex markup | 2% + GST. Dynamic currency conversion markup 2% since 28 August 2026, up from 1.5% — NOT the bank-wide 3.5% — per Magnus's own revision notice — wins this row |
| 3.75%/mo (55.55%/yr, compounded as quoted by Axis) | APR | 3.0%/mo (42.58%/yr, compounded as quoted by Axis) |
| 4.0% | Headline earn rate | 4.8% — wins this row |
| Axis EDGE Miles | Currency | Axis EDGE Reward Points |
| ₹2.00/pt | House value | ₹0.40/pt |
| 2,500 EDGE Miles on the first transaction within 37 days | Welcome benefit | ₹5,000 voucher — Luxe gift card, The Postcard Hotels or Yatra (new cards only; customers upgraded from plain Magnus get nothing) |
| 667 of 793 | Lounge doors opened | 667 of 793 |
| ₹12L+/yr | Income — salaried | Burgundy relationship required — official criteria: net salary credit above ₹3L/month in an Axis Salary Account, or ₹10L AMB in savings, or ₹30L TRV (₹1Cr incl. demat) |
| ₹15L+/yr | Income — self-employed | Same Burgundy gates via balances: ₹10L AMB in savings or ₹30L TRV (₹1Cr incl. demat), consistently maintained through the month |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Axis Atlas wins under ₹1.75L/month; Axis Magnus for Burgundy takes over above it.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹1.75L a month: Axis Atlas is ahead by ₹24,792 at ₹0.25L, Axis Magnus for Burgundy by ₹4,65,560 at ₹5L.
Axis Atlas pays 5 annual spend milestones, the first at ₹3,00,000 a year, and Axis Magnus for Burgundy pays none.
Axis Atlas draws above the line, Axis Magnus for Burgundy below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Axis Atlas | Axis Magnus for Burgundy | In front |
|---|---|---|---|
| ₹0.25L | ₹13,800 | −₹10,992 | Axis Atlas by ₹24,792 |
| ₹0.5L | ₹27,600 | ₹8,016 | Axis Atlas by ₹19,584 |
| ₹0.75L | ₹51,400 | ₹27,024 | Axis Atlas by ₹24,376 |
| ₹1L | ₹65,200 | ₹46,032 | Axis Atlas by ₹19,168 |
| ₹1.25L | ₹94,000 | ₹65,040 | Axis Atlas by ₹28,960 |
| ₹1.5L | ₹1,07,800 | ₹84,048 | Axis Atlas by ₹23,752 |
| ₹1.75L | ₹1,21,600 | ₹1,30,656 | Axis Magnus for Burgundy by ₹9,056 |
| ₹2L | ₹1,35,400 | ₹1,77,264 | Axis Magnus for Burgundy by ₹41,864 |
| ₹2.25L | ₹1,49,200 | ₹2,23,872 | Axis Magnus for Burgundy by ₹74,672 |
| ₹2.5L | ₹1,63,000 | ₹3,00,480 | Axis Magnus for Burgundy by ₹1,37,480 |
| ₹2.75L | ₹1,76,800 | ₹3,47,088 | Axis Magnus for Burgundy by ₹1,70,288 |
| ₹3L | ₹1,90,600 | ₹3,93,696 | Axis Magnus for Burgundy by ₹2,03,096 |
| ₹3.25L | ₹2,04,400 | ₹4,40,304 | Axis Magnus for Burgundy by ₹2,35,904 |
| ₹3.5L | ₹2,18,200 | ₹4,86,912 | Axis Magnus for Burgundy by ₹2,68,712 |
| ₹3.75L | ₹2,32,000 | ₹5,33,520 | Axis Magnus for Burgundy by ₹3,01,520 |
| ₹4L | ₹2,45,800 | ₹5,80,128 | Axis Magnus for Burgundy by ₹3,34,328 |
| ₹4.25L | ₹2,59,600 | ₹6,26,736 | Axis Magnus for Burgundy by ₹3,67,136 |
| ₹4.5L | ₹2,73,400 | ₹6,73,344 | Axis Magnus for Burgundy by ₹3,99,944 |
| ₹4.75L | ₹2,87,200 | ₹7,19,952 | Axis Magnus for Burgundy by ₹4,32,752 |
| ₹5L | ₹3,01,000 | ₹7,66,560 | Axis Magnus for Burgundy by ₹4,65,560 |
Transfer reach — 27 vs 27 live routes
Transfer reach
3 shared routes — the full partner lists
Both reach
- Singapore Airlines KrisFlyer 1:2 vs 5:4
- Finnair Plus (Avios) 2:1 vs 5:2
- Qatar Airways Privilege Club (Avios) 2:1 vs 5:2
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
Axis Atlas · 6 more →
- Closed to new applications, re-verified 2026-08-15: Axis's own catalogue gives Atlas a "Know More" tile with NO Apply Now, its travel-cards shelf no longer lists Atlas at all, and the one Atlas-tagged apply link left on the product page is commented out of the markup
- Hotel grid on the 25 Sep 2026 Travel EDGE table: Marriott still gone, ITC off, Accor back at 2:1, Hilton new at the standard 1:2
- The punished 2:1 set is BA, Finnair, Qatar, Vietnam Lotusmiles, IndiGo, Cathay and the returned Accor — four times worse than the 1:2 partners
Axis Magnus for Burgundy · 7 more →
- The famous up-to-25,000 EDGE Miles monthly milestone is gone — the 35/₹200 ladder is the accelerated general-spend rate; Travel Edge 5X is a separate portal overlay
- Grab Deals and GyFTR are Axis-wide 'up to 5X' overlays on the 12-point base — not a 10X SmartBuy analogue, and Axis publishes no firm GyFTR rate for this card
- The 35/₹200 tier caps at (credit limit + ₹1.5L)/month since Jun-2025
The call
For the ₹1L/month spender, Axis Atlas nets ₹65,200 against ₹46,032 — a ₹19,168 gap. At ₹5L/month, Axis Magnus for Burgundy nets ₹7,66,560 against ₹3,01,000 — a ₹4,65,560 gap. Lounge chasers get no tiebreak here: both open 667 of 793 tracked doors.
Our standing verdicts: Axis Atlas — Keep; Axis Magnus for Burgundy — Keep. Axis Magnus for Burgundy takes 4 of the 6 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, Axis Atlas or Axis Magnus for Burgundy?
Axis Magnus for Burgundy. Axis Magnus for Burgundy takes 4 of the 6 rounds we can score. Axis Atlas wins under ₹1.75L/month; Axis Magnus for Burgundy takes over above it.
Axis Atlas or Axis Magnus for Burgundy — which earns more at ₹3L a month?
At ₹3L a month, Axis Magnus for Burgundy nets ₹3,93,696 against ₹1,90,600 — a ₹2,03,096 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Axis Atlas or Axis Magnus for Burgundy?
Axis Atlas — ₹5,000/yr against ₹30,000/yr. Axis Atlas waives its fee at no spend level — there is no waiver; Axis Magnus for Burgundy at ₹30,00,000 of spend.
Which gets you into more airport lounges, Axis Atlas or Axis Magnus for Burgundy?
Lounge chasers get no tiebreak here: both open 667 of 793 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-09-25. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against Axis Bank and Axis Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 21 of them, each with the day we read it
- official Revision of Axis Bank Credit Card Terms and Conditions — the bank-wide notice: DCC 1.5% to 3.5%, and gift cards, Bridge Fees, Road Fees and Tolls out of rewards, from 28 Aug 2026
- official Atlas features T&C PDF — welcome 2,500 EDGE Miles on 1 transaction within 37 days (cards sourced from 20-Apr-2024 onwards; older vintages 5,000)
- official Axis Bank Atlas product page — live but not selling on 2026-08-15: the page's only Atlas-tagged apply CTA sits inside an HTML comment, and no closure notice is published
- official Axis Bank's own credit-card catalogue — the Atlas tile renders a single "Know More" button and no "Apply Now", the treatment Axis gives cards it has stopped sourcing
- official Axis Bank Key Fact Sheet, updated 12-Aug-2026 — Atlas joining ₹5,000 / annual ₹5,000 with NO spend-based waiver, 55.55% p.a., 3.5% foreign transaction fee, 1.5% DCC markup
- official Axis Bank's own travel credit-cards shelf — Atlas is absent entirely, while Magnus, Select, Horizon, Privilege and IndiGo are listed there with "Apply Now"
- official Axis Bank Domestic Airport Lounge Access Program — Atlas sits in Set B and is expressly EXEMPT from the ₹50,000 prior-3-calendar-month spend criterion
- official Axis Bank Points/Miles Transfer ratio table — "Atlas credit card: 1 EDGE Mile = 2 Partner Points"
- community TechnoFino's Atlas thread, opened 26 Aug 2025 and titled "Applications Closed from August 31st 2025" — the community record of the same deadline
- community LiveFromALounge, published 29 Aug 2025 — new sourcing paused, and holders told not to cancel
- community LiveFromALounge, published 27 Aug 2025 — "Axis Bank will close the Atlas product to new applicants as of September 2025", with a reported apply-by of 31 August 2025
- community Apr-2026 partner purge
- community CardNitty — Atlas is Visa Signature, single network
- community CardInsider forex table — Atlas at the standard 3.5% Axis markup (vs Magnus 2%, Reserve 1.5%)
- official Magnus for Burgundy FAQ PDF (21 pp) — 60 EDGE RP per ₹200 on Travel Edge up to ₹2L/month; 5 EDGE RP = 4 partner miles
- official Magnus revision T&C PDF (eff. 20-Jun-2025) — the 35 EDGE RP per ₹200 tier runs only to (credit limit + ₹1.5L) a calendar month and reverts to 12 per ₹200 above
- official Axis Bank Magnus product page — the Burgundy variant's welcome is any one ₹5,000 voucher (Luxe, The Postcard Hotels or Yatra) and is expressly NOT applicable to customers
- official Axis's Magnus-for-Burgundy revision notice — effective 28 Aug 2026: "Dynamic Currency Conversion markup will be revised to 2% from 1.5%"
- community SaveSage (Apr-2026 — legacy 5:4 retained, new partners 5:2)
- community CardExpert — Burgundy variant ships on Mastercard
- community TechnoFino — opening Burgundy (₹10L AMB) for the card, RM-routed application