Do I need to maintain the Burgundy relationship to keep the 5:4 ratio?

Yes. The 5:4 transfer ratio is exclusive to Axis Burgundy customers. If your relationship status downgrades from Burgundy, your card will revert to the standard 5:2 transfer ratio.

How can I apply for HDFC Infinia?

Infinia is an invite-only card. You generally need to hold an existing high-limit HDFC card (like Regalia Gold or Diners Black) with a credit limit above ₹8-10 Lakhs and demonstrate consistent high monthly spending.

HDFC Bank Infinia vs Axis Bank Magnus Burgundy

June 11, 2026• 5 min read

1. Quick Stats Comparison Table

Here is a side-by-side view of how both cards compare across fees, waivers, base rates, and forex markup fees:

Feature	HDFC Bank Infinia Metal Edition	Axis Bank Magnus Burgundy Credit Card
Joining Fee	₹12,500 + GST	₹30,000 + GST
Annual Fee	₹12,500 + GST	₹30,000 + GST
Waiver Threshold	₹10 Lakh	₹25 Lakh
Base Return Rate	3.33%	4.80% (Effective)
Forex Markup	2%	2%
Unlimited Domestic Lounge	Yes (Primary + Add-on)	Yes (Primary Only)
Unlimited Int'l Lounge	Yes (Primary + Add-on)	Yes (Primary + 4 Guest visits/year)
Miles Transfer Ratio	1:1	5:4 (Burgundy Exclusive)

2. Rewards Math & Redemption Value

Here is a detailed comparison of the reward rates and redemption values for HDFC Infinia and Axis Magnus Burgundy:

Reward Parameter	HDFC Bank Infinia Metal Edition	Axis Bank Magnus Burgundy
Base Reward Yield	3.33% (5 Reward Points per ₹150 spent)	4.80% effective (12 Edge Points per ₹200 spent, transferred at 5:4 ratio)
Accelerated Yield	16.6% - 33.3% on SmartBuy travel bookings and gift vouchers	14.00% effective on spends above ₹1.5 Lakhs in a calendar month
Travel Portal Rate	1 Reward Point = ₹1.00 on HDFC SmartBuy portal	5X Edge Points (~24% effective yield in miles) on Travel EDGE (up to ₹2L spends)
Transfer Partners	5+ partners (Marriott Bonvoy, Singapore, etc.) at 1:1 ratio	10+ partners (Marriott, Accor, Singapore, etc.) at 5:4 ratio
Annual Transfer Cap	Unlimited (No capping)	Max 150,000 Edge Reward Points transferred per calendar year
Exclusions	Fuel, Wallet Loads, Rent, EasyEMI	Fuel, Wallet, Rent, Utilities, Insurance, Gov Spends

HDFC Infinia vs Axis Magnus Burgundy: The Verdict

Both cards are absolute giants in the super-premium segment. Your choice between them boils down to your spending style and willingness to maintain a premium banking relationship.

Choose HDFC Bank Infinia if:

You want a straightforward 1:1 points transfer ratio without monthly limits or complex relationship criteria.
You prefer a lower, easier annual fee waiver threshold (₹10 Lakh spends vs ₹25 Lakh spends).
You value unlimited domestic and international lounge access for both primary and add-on cardholders.

Choose Axis Magnus Burgundy if:

You already have or are willing to open a Burgundy account relationship with Axis Bank (TRV > ₹30L).
You want a higher base reward rate (4.80% in miles vs 3.33% on Infinia) and accelerated earnings (14% return above ₹1.5L spends).
You travel frequently with guests and want unlimited international lounge access for guests (4 guest visits/year).
You value premium services like complimentary VIP airport Meet & Greet (8 visits/year).