Axis Magnus vs Kotak White
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis Magnus wins 5-3. High-spenders post-2024 devaluation, still solid for ₹2L+/month travel. Kotak White is still the right call if mid-premium kotak card; rewards come from milestone white pass value, not a per-spend rate..
Side-by-side
| Criterion | Axis Magnus | Kotak White |
|---|---|---|
| Annual fee | · ₹12,500 | ₹3,000 |
| Joining fee | · ₹12,500 | ₹3,000 |
| Top reward rate | 12% (travel) | · Milestone |
| Base reward rate | 4.8% | · Milestone |
| Forex markup | 2% | · 3.5% |
| Welcome bonus | = 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher | = White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up |
| Fee waiver threshold | · ₹2,500,000 / yr | ₹500,000 / yr |
| Min income | ₹1,800,000 | · ₹2,500,000 |
| Min credit score | 780 | · N/A |
| Editorial rating | = 4.3/5 | = 4.3/5 |
Benefits compared
Axis Magnus
- 12 EDGE points per ₹200 on travel via TravelEdge portal
- 4.8 EDGE points per ₹200 on general spend
- Unlimited international + domestic lounge access (Priority Pass)
- Buy 1 get 1 BookMyShow tickets monthly (capped 5)
- Annual ₹10,000 milestone vouchers from Tata CLiQ
- Concierge 24x7 + golf 4x/month
Kotak White
- Milestone White Pass rewards, up to ₹27,000 per year on ₹12 lakh spend
- 3.5% forex markup
- Annual fee waived at ₹5 lakh annual spend
FAQ
›Axis Magnus vs Kotak White: which is better?
Axis Magnus wins on more dimensions (5 vs 3). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Axis Magnus for its best categories, Kotak White for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis Magnus: 12,500 EDGE Reward Points + ₹10,000 Tata CLiQ voucher. Kotak White: White Pass value of ₹1,500 on ₹30,000 spend within 60 days of card set-up.