Axis Magnus for Burgundy vs BOBCARD Etihad Guest Premium (2026)
The answer flips at ₹1.75L a month: BOBCARD Etihad Guest Premium below it, Axis Magnus for Burgundy above.
Head to head
| Axis Magnus for Burgundy | Metric | BOBCARD Etihad Guest Premium |
|---|---|---|
| #3 — wins this row | Our rank | #7 |
| ₹30,000/yr | Fee — joining · annual (+ GST) | ₹5,000/yr — wins this row |
| ₹30,00,000 spend | Fee waiver | ₹5,00,000 spend |
| 2% + GST | Forex markup | Nil — 0% markup, Premium-specific (the non-premium Etihad Guest pays 1%) — wins this row |
| 3.0%/mo (42.58%/yr, compounded as quoted by Axis) | APR | 3.75%/mo (45%/yr), from transaction date; same rate on cash advances |
| 4.8% — wins this row | Headline earn rate | 2.0% |
| Axis EDGE Reward Points | Currency | Etihad Guest |
| ₹0.40/pt | House value | ₹1.00/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 Guest miles — 10,000 on ₹25k in 60 days + fee payment, 5,000 more at ₹50k (doubled window till 31 Aug 2026; standard offer is 7,500) |
| 725 of 789 — wins this row | Lounge doors opened | 72 of 789 |
| 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.
BOBCARD Etihad Guest Premium wins under ₹1.75L/month; Axis Magnus for Burgundy takes over above it.
Where the lead changes hands
The lead changes hands at ₹1.75L a month: BOBCARD Etihad Guest Premium is ahead by ₹17,320 at ₹0.25L, Axis Magnus for Burgundy by ₹4,94,000 at ₹5L.
BOBCARD Etihad Guest Premium pays one annual spend milestone, at ₹12,00,000 a year, and Axis Magnus for Burgundy pays none; BOBCARD Etihad Guest Premium runs a 6.0% booster on Etihad Airways (etihad.com), where Axis Magnus for Burgundy earns one flat rate.
Axis Magnus for Burgundy draws above the line, BOBCARD Etihad Guest Premium below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Axis Magnus for Burgundy | BOBCARD Etihad Guest Premium | In front |
|---|---|---|---|
| ₹0.25L | −₹15,600 | ₹1,720 | BOBCARD Etihad Guest Premium by ₹17,320 |
| ₹0.5L | −₹1,200 | ₹19,440 | BOBCARD Etihad Guest Premium by ₹20,640 |
| ₹0.75L | ₹13,200 | ₹26,160 | BOBCARD Etihad Guest Premium by ₹12,960 |
| ₹1L | ₹27,600 | ₹72,880 | BOBCARD Etihad Guest Premium by ₹45,280 |
| ₹1.25L | ₹42,000 | ₹79,600 | BOBCARD Etihad Guest Premium by ₹37,600 |
| ₹1.5L | ₹56,400 | ₹86,320 | BOBCARD Etihad Guest Premium by ₹29,920 |
| ₹1.75L | ₹98,400 | ₹93,040 | Axis Magnus for Burgundy by ₹5,360 |
| ₹2L | ₹1,40,400 | ₹99,760 | Axis Magnus for Burgundy by ₹40,640 |
| ₹2.25L | ₹1,82,400 | ₹1,06,480 | Axis Magnus for Burgundy by ₹75,920 |
| ₹2.5L | ₹2,54,400 | ₹1,13,200 | Axis Magnus for Burgundy by ₹1,41,200 |
| ₹2.75L | ₹2,96,400 | ₹1,19,920 | Axis Magnus for Burgundy by ₹1,76,480 |
| ₹3L | ₹3,38,400 | ₹1,26,640 | Axis Magnus for Burgundy by ₹2,11,760 |
| ₹3.25L | ₹3,80,400 | ₹1,33,360 | Axis Magnus for Burgundy by ₹2,47,040 |
| ₹3.5L | ₹4,22,400 | ₹1,40,080 | Axis Magnus for Burgundy by ₹2,82,320 |
| ₹3.75L | ₹4,64,400 | ₹1,46,800 | Axis Magnus for Burgundy by ₹3,17,600 |
| ₹4L | ₹5,06,400 | ₹1,53,520 | Axis Magnus for Burgundy by ₹3,52,880 |
| ₹4.25L | ₹5,48,400 | ₹1,60,240 | Axis Magnus for Burgundy by ₹3,88,160 |
| ₹4.5L | ₹5,90,400 | ₹1,66,960 | Axis Magnus for Burgundy by ₹4,23,440 |
| ₹4.75L | ₹6,32,400 | ₹1,73,680 | Axis Magnus for Burgundy by ₹4,58,720 |
| ₹5L | ₹6,74,400 | ₹1,80,400 | Axis Magnus for Burgundy by ₹4,94,000 |
Transfer reach
Only Axis Magnus for Burgundy
- Singapore Airlines KrisFlyer
- Finnair Plus (Avios)
- Qatar Airways Privilege Club (Avios)
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
BOBCARD Etihad Guest Premium · 1 more →
- Single-program currency: miles auto-transfer to Etihad Guest and redeem nowhere else
- Long exclusion list: telecom, education, hospitals, government, rent, wallets, insurance — and all rail/bus/toll transport — earn zero
- 1% processing fee on rent and wallet loads; utility fee ≥₹50k; fuel fee ≥₹10k (MITC)
The call
For the ₹1L/month spender, BOBCARD Etihad Guest Premium nets ₹72,880 against ₹27,600 — a ₹45,280 gap. At ₹5L/month, Axis Magnus for Burgundy nets ₹6,74,400 against ₹1,80,400 — a ₹4,94,000 gap. Lounge chasers: Axis Magnus for Burgundy opens 725 of 789 tracked doors to BOBCARD Etihad Guest Premium's 72.
Our standing verdicts: Axis Magnus for Burgundy — Keep; BOBCARD Etihad Guest Premium — Keep. On our board, Axis Magnus for Burgundy sits at #3 to BOBCARD Etihad Guest Premium's #7 — 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 BOBCARD Etihad Guest Premium?
Axis Magnus for Burgundy. It sits at #3 on our board to BOBCARD Etihad Guest Premium's #7. Axis Magnus for Burgundy takes 5 of the 8 rounds we can score. BOBCARD Etihad Guest Premium wins under ₹1.75L/month; Axis Magnus for Burgundy takes over above it.
Axis Magnus for Burgundy or BOBCARD Etihad Guest Premium — which earns more at ₹3L a month?
At ₹3L a month, Axis Magnus for Burgundy nets ₹3,38,400 against ₹1,26,640 — a ₹2,11,760 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 BOBCARD Etihad Guest Premium?
BOBCARD Etihad Guest Premium — ₹5,000/yr against ₹30,000/yr. Axis Magnus for Burgundy waives its fee at ₹30,00,000 of spend; BOBCARD Etihad Guest Premium at ₹5,00,000 of spend.
Which gets you into more airport lounges, Axis Magnus for Burgundy or BOBCARD Etihad Guest Premium?
Lounge chasers: Axis Magnus for Burgundy opens 725 of 789 tracked doors to BOBCARD Etihad Guest Premium's 72. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Axis Magnus for Burgundy on 2026-08-05, BOBCARD Etihad Guest Premium on 2026-07-26. 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.