Axis Magnus for Burgundy vs Standard Chartered Beyond (2026)
Standard Chartered Beyond vs Axis Magnus for Burgundy: 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
#1 against invite-only on our board, ₹2,98,816 apart in ranking value at ₹3L a month.
Axis Magnus for Burgundy out-earns Standard Chartered Beyond at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| Axis Magnus for Burgundy | Metric | Standard Chartered Beyond |
|---|---|---|
| #1 | Our rank | invite-only |
| ₹30,000/yr | Fee — joining · annual (+ GST) | ₹15,000 joining, then ₹25,000/yr — wins this row |
| ₹30,00,000 spend | Fee waiver | By relationship |
| 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 | Forex markup | 2% + GST (Beyond T&C §7; the 3.5% bank-wide rate does not apply) |
| 3.0%/mo (42.58%/yr, compounded as quoted by Axis) | APR | 3.75%/mo (45%/yr), same rate on cash advances |
| 4.8% — wins this row | Headline earn rate | 3.3% |
| Axis EDGE Reward Points | Currency | StanC 360° Reward Points |
| ₹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 | Vouchers worth ₹15,000 from Taj, Luxe Gift Cards, MakeMyTrip, Fabindia, Ikea or Marks & Spencer, on realisation of the joining fee |
| 667 of 793 | Lounge doors opened | 718 of 793 — 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 →
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 Magnus for Burgundy out-earns Standard Chartered Beyond at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
Axis Magnus for Burgundy leads at all 20 steps, but not by the same amount: ₹4,018 at ₹0.25L a month, ₹5,91,760 at ₹5L — the gap fans out with spend, widest at ₹5L (₹5,91,760).
Axis Magnus for Burgundy runs a 24.0% booster on Travel Edge portal, where Standard Chartered Beyond earns one flat rate; Standard Chartered Beyond charges twice — ₹15,000 to join, then ₹25,000 every year after.
Axis Magnus for Burgundy draws above the line, Standard Chartered Beyond below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Axis Magnus for Burgundy | Standard Chartered Beyond | In front |
|---|---|---|---|
| ₹0.25L | −₹10,992 | −₹15,010 | Axis Magnus for Burgundy by ₹4,018 |
| ₹0.5L | ₹8,016 | −₹5,020 | Axis Magnus for Burgundy by ₹13,036 |
| ₹0.75L | ₹27,024 | ₹4,970 | Axis Magnus for Burgundy by ₹22,054 |
| ₹1L | ₹46,032 | ₹14,960 | Axis Magnus for Burgundy by ₹31,072 |
| ₹1.25L | ₹65,040 | ₹24,950 | Axis Magnus for Burgundy by ₹40,090 |
| ₹1.5L | ₹84,048 | ₹34,940 | Axis Magnus for Burgundy by ₹49,108 |
| ₹1.75L | ₹1,30,656 | ₹44,930 | Axis Magnus for Burgundy by ₹85,726 |
| ₹2L | ₹1,77,264 | ₹54,920 | Axis Magnus for Burgundy by ₹1,22,344 |
| ₹2.25L | ₹2,23,872 | ₹64,910 | Axis Magnus for Burgundy by ₹1,58,962 |
| ₹2.5L | ₹3,00,480 | ₹74,900 | Axis Magnus for Burgundy by ₹2,25,580 |
| ₹2.75L | ₹3,47,088 | ₹84,890 | Axis Magnus for Burgundy by ₹2,62,198 |
| ₹3L | ₹3,93,696 | ₹94,880 | Axis Magnus for Burgundy by ₹2,98,816 |
| ₹3.25L | ₹4,40,304 | ₹1,04,870 | Axis Magnus for Burgundy by ₹3,35,434 |
| ₹3.5L | ₹4,86,912 | ₹1,14,860 | Axis Magnus for Burgundy by ₹3,72,052 |
| ₹3.75L | ₹5,33,520 | ₹1,24,850 | Axis Magnus for Burgundy by ₹4,08,670 |
| ₹4L | ₹5,80,128 | ₹1,34,840 | Axis Magnus for Burgundy by ₹4,45,288 |
| ₹4.25L | ₹6,26,736 | ₹1,44,830 | Axis Magnus for Burgundy by ₹4,81,906 |
| ₹4.5L | ₹6,73,344 | ₹1,54,820 | Axis Magnus for Burgundy by ₹5,18,524 |
| ₹4.75L | ₹7,19,952 | ₹1,64,810 | Axis Magnus for Burgundy by ₹5,55,142 |
| ₹5L | ₹7,66,560 | ₹1,74,800 | Axis Magnus for Burgundy by ₹5,91,760 |
Transfer reach — 27 vs 0 live routes
Transfer reach
0 shared routes · 3 only Axis Magnus for Burgundy · 0 only Standard Chartered Beyond — the full partner lists
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 — 6 points
What to watch out for
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
Standard Chartered Beyond · 2 more →
- No transfer partners at all — a Standard Chartered point is ₹1, floor and ceiling, minus ₹99 per redemption
- ₹15,000 to join and ₹25,000 a year after that; the annual fee is waived only while you keep ₹50,00,000 of Funds Under Management with SC
- Lose the Priority/Private relationship and SC may downgrade or block the card — and the Priority Pass benefit is retracted for a minimum of one year
The call
For the ₹1L/month spender, Axis Magnus for Burgundy nets ₹46,032 against ₹14,960 — a ₹31,072 gap. At ₹5L/month, Axis Magnus for Burgundy nets ₹7,66,560 against ₹1,74,800 — a ₹5,91,760 gap. Lounge chasers: Standard Chartered Beyond opens 718 of 793 tracked doors to Axis Magnus for Burgundy's 667.
Our standing verdicts: Axis Magnus for Burgundy — Keep; Standard Chartered Beyond — 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 Magnus for Burgundy or Standard Chartered Beyond?
Axis Magnus for Burgundy. Axis Magnus for Burgundy takes 4 of the 6 rounds we can score. Axis Magnus for Burgundy out-earns Standard Chartered Beyond at every spend level we model, from ₹25k to ₹5L a month.
Axis Magnus for Burgundy or Standard Chartered Beyond — which earns more at ₹3L a month?
At ₹3L a month, Axis Magnus for Burgundy nets ₹3,93,696 against ₹94,880 — a ₹2,98,816 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 Standard Chartered Beyond?
Standard Chartered Beyond — ₹15,000 joining, then ₹25,000/yr against ₹30,000/yr. Axis Magnus for Burgundy waives its fee at ₹30,00,000 of spend; Standard Chartered Beyond at no spend level — the waiver rides the banking relationship, not the swipe.
Which gets you into more airport lounges, Axis Magnus for Burgundy or Standard Chartered Beyond?
Lounge chasers: Standard Chartered Beyond opens 718 of 793 tracked doors to Axis Magnus for Burgundy's 667. 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 2026-09-25, Standard Chartered Beyond on 2026-08-15. 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 Standard Chartered's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 15 of them, each with the day we read it
- 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 Bank Key Fact Sheet, updated 12-Aug-2026 — Magnus for Burgundy joining ₹30,000 / annual ₹30,000, waived on ₹30,00,000 of preceding-year spend, 42.58% p.a.
- official Axis's Magnus-for-Burgundy revision notice — effective 28 Aug 2026: "Dynamic Currency Conversion markup will be revised to 2% from 1.5%"
- official Axis Bank Points/Miles Transfer ratio table — "Burgundy Private credit card & Magnus credit card for Burgundy: 5 EDGE REWARD Points = 4 Partner Points"
- 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
- official Beyond Credit Card T&Cs — §1 joining ₹15,000 and renewal ₹25,000 from year 2, §4 earn 5 RP/₹150 (3 on essentials), §7 2% forex, §9 unlimited Visa lounges in India, §10 unlimited Priority Pass abroad
- official Product page — "Joining Fee: INR 15,000 +GST", "Annual Fee: INR 25,000 +GST", up to 3.3% rewards, 2% on government, utilities and insurance, unlimited lounge access with 8 guest visits a year
- official Tariff table — Beyond Credit card 15,000 (Annual Fee Year 1) / 25,000 (Year 2 onwards) / Nil supplementary; 3.75% a month APR 45%; ₹99 handling and courier charge per reward redemption
- official Rewards-points expiry FAQ — points lapse about three years after they are earned, written off in quarterly batches
- official Federal Bank migration FAQ — the card relationship transfers after 31 Jul 2026; consent via I Agree, SMS ACCEPT or continued use
- official Standard Chartered domestic lounge programme — the Beyond table runs to 83 rooms, the full-fat Visa list