Axis Magnus for Burgundy vs Axis Bank Reserve (2026)
Same points, same partner board — 24 live transfer routes each, so this one is decided on earn and fee, nothing else: 4.8% at ₹30,000/yr against 3.0% at ₹50,000/yr.
Head to head
| Axis Magnus for Burgundy | Metric | Axis Bank Reserve |
|---|---|---|
| #3 — wins this row | Our rank | #25 |
| ₹30,000/yr — wins this row | Fee — joining · annual (+ GST) | ₹50,000/yr |
| ₹30,00,000 spend | Fee waiver | ₹35,00,000 spend |
| 2% + GST | Forex markup | 1.5% + GST — wins this row |
| 3.0%/mo (42.58%/yr, compounded as quoted by Axis) | APR | 3.0%/mo (42.58%/yr, compounded as quoted by Axis) |
| 4.8% — wins this row | Headline earn rate | 3.0% |
| Axis EDGE Reward Points | Currency | Axis EDGE Reward Points |
| ₹0.40/pt | House value | ₹0.40/pt |
| ₹5,000 voucher — Luxe gift card, The Postcard Hotels or Yatra (new cards only; customers upgraded from plain Magnus get nothing) | Welcome benefit | 15,000 EDGE Reward Points on first transaction within 30 days (joining benefit; renewal points discontinued 20-Apr-2024) |
| 725 of 789 | Lounge doors opened | 731 of 789 — wins this row |
| 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) | Income — salaried | not published |
| Same Burgundy gates via balances: ₹10L AMB in savings or ₹30L TRV (₹1Cr incl. demat), consistently maintained through the month | Income — self-employed | not published |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
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 Magnus for Burgundy out-earns Axis Bank Reserve at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
Axis Magnus for Burgundy leads at all 20 steps, but not by the same amount: ₹24,860 at ₹0.25L a month, ₹4,83,600 at ₹5L — the gap fans out with spend, widest at ₹5L (₹4,83,600).
Axis Bank Reserve runs a 6.0% booster on International spends, where Axis Magnus for Burgundy earns one flat rate.
Axis Magnus for Burgundy draws above the line, Axis Bank Reserve below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Axis Magnus for Burgundy | Axis Bank Reserve | In front |
|---|---|---|---|
| ₹0.25L | −₹15,600 | −₹40,460 | Axis Magnus for Burgundy by ₹24,860 |
| ₹0.5L | −₹1,200 | −₹30,920 | Axis Magnus for Burgundy by ₹29,720 |
| ₹0.75L | ₹13,200 | −₹21,380 | Axis Magnus for Burgundy by ₹34,580 |
| ₹1L | ₹27,600 | −₹11,840 | Axis Magnus for Burgundy by ₹39,440 |
| ₹1.25L | ₹42,000 | −₹2,300 | Axis Magnus for Burgundy by ₹44,300 |
| ₹1.5L | ₹56,400 | ₹7,240 | Axis Magnus for Burgundy by ₹49,160 |
| ₹1.75L | ₹98,400 | ₹16,780 | Axis Magnus for Burgundy by ₹81,620 |
| ₹2L | ₹1,40,400 | ₹26,320 | Axis Magnus for Burgundy by ₹1,14,080 |
| ₹2.25L | ₹1,82,400 | ₹35,860 | Axis Magnus for Burgundy by ₹1,46,540 |
| ₹2.5L | ₹2,54,400 | ₹45,400 | Axis Magnus for Burgundy by ₹2,09,000 |
| ₹2.75L | ₹2,96,400 | ₹54,940 | Axis Magnus for Burgundy by ₹2,41,460 |
| ₹3L | ₹3,38,400 | ₹1,14,480 | Axis Magnus for Burgundy by ₹2,23,920 |
| ₹3.25L | ₹3,80,400 | ₹1,24,020 | Axis Magnus for Burgundy by ₹2,56,380 |
| ₹3.5L | ₹4,22,400 | ₹1,33,560 | Axis Magnus for Burgundy by ₹2,88,840 |
| ₹3.75L | ₹4,64,400 | ₹1,43,100 | Axis Magnus for Burgundy by ₹3,21,300 |
| ₹4L | ₹5,06,400 | ₹1,52,640 | Axis Magnus for Burgundy by ₹3,53,760 |
| ₹4.25L | ₹5,48,400 | ₹1,62,180 | Axis Magnus for Burgundy by ₹3,86,220 |
| ₹4.5L | ₹5,90,400 | ₹1,71,720 | Axis Magnus for Burgundy by ₹4,18,680 |
| ₹4.75L | ₹6,32,400 | ₹1,81,260 | Axis Magnus for Burgundy by ₹4,51,140 |
| ₹5L | ₹6,74,400 | ₹1,90,800 | Axis Magnus for Burgundy by ₹4,83,600 |
Transfer reach
Both cards earn Axis EDGE Reward Points, so the partner list is identical — 24 live transfer routes each. The ratios are not: see below.
Both reach
- Singapore Airlines KrisFlyer 5:4 vs 5:2
- Finnair Plus (Avios) 5:2 vs 5:1
- Qatar Airways Privilege Club (Avios) 5:2 vs 5:1
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Axis Magnus for Burgundy · 6 more →
- The famous up-to-25,000 EDGE Miles monthly milestone is gone — the accelerated 35/₹200 tier is all that's left
- The 35/₹200 tier caps at (credit limit + ₹1.5L)/month since Jun-2025
- New Apr-2026 partners (BA, Finnair, Vietnam, IndiGo) convert at 5:2, not the legacy 5:4
Axis Bank Reserve · 5 more →
- ₹50,000 fee; waiver needs ₹35 lakh annual spend
- Stuck on the 5:2 transfer ratio — 3% domestic earn on a super-premium fee
- Caught in Axis's EDGE devaluations, ₹199 transfer fees and 5L RP/yr caps
The call
For the ₹1L/month spender, Axis Magnus for Burgundy nets ₹27,600 against −₹11,840 — a ₹39,440 gap. At ₹5L/month, Axis Magnus for Burgundy nets ₹6,74,400 against ₹1,90,800 — a ₹4,83,600 gap. Lounge chasers: Axis Bank Reserve opens 731 of 789 tracked doors to Axis Magnus for Burgundy's 725.
Our standing verdicts: Axis Magnus for Burgundy — Keep; Axis Bank Reserve — Keep. On our board, Axis Magnus for Burgundy sits at #3 to Axis Bank Reserve's #25 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Axis Magnus for Burgundy or Axis Bank Reserve?
Axis Magnus for Burgundy. It sits at #3 on our board to Axis Bank Reserve's #25. Axis Magnus for Burgundy takes 6 of the 8 rounds we can score. Axis Magnus for Burgundy out-earns Axis Bank Reserve at every spend level we model, from ₹25k to ₹5L a month.
Axis Magnus for Burgundy or Axis Bank Reserve — which earns more at ₹3L a month?
At ₹3L a month, Axis Magnus for Burgundy nets ₹3,38,400 against ₹1,14,480 — a ₹2,23,920 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 Magnus for Burgundy or Axis Bank Reserve?
Axis Magnus for Burgundy — ₹30,000/yr against ₹50,000/yr. Axis Magnus for Burgundy waives its fee at ₹30,00,000 of spend; Axis Bank Reserve at ₹35,00,000 of spend.
Which gets you into more airport lounges, Axis Magnus for Burgundy or Axis Bank Reserve?
Lounge chasers: Axis Bank Reserve opens 731 of 789 tracked doors to Axis Magnus for Burgundy's 725. 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 2026-08-05. 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.