Updated April 2026 · Last verified
Annual earn (net of fees)
₹1,88,394
5.7%
effective on
₹33.06L
annual spend
Annual fee + penalties
−₹43,896
Counts toward AEP
(₹1,52,500)
Travel EDGE — earns 30% but doesn’t count
(₹32,000)
Your monthly spend
Pre-filled with the HNI lifestyle profile. Tap any row to edit, or pick a
different persona below.
✈️ Flights
₹18,000 /mo · ₹2,16,000 /yr
→Book via Travel EDGE portal Travel EDGE earns 60 RP/₹200 — but does NOT count toward your ₹1.5L AEP threshold.
30%
₹64,800
🏨 Hotels
₹14,000 /mo · ₹1,68,000 /yr
→Book via Travel EDGE portal Same Travel EDGE rule — earns 60 RP/₹200, but doesn’t fill the AEP bucket.
30%
₹50,400
📦 Online shopping
₹50,000 /mo · ₹6,00,000 /yr
→Route via GiftEdge voucher portal Direct Amazon/Flipkart earns base rate. Route through GiftEdge to fill AEP and earn 35 RP/₹200.
6.2%
₹37,131
🍽️ Dining & food delivery
₹28,000 /mo · ₹3,36,000 /yr
→Use card directly · EazyDiner Prime for restaurants
6.2%
₹20,793
📱 UPI payments
₹25,000 /mo · ₹3,00,000 /yr
→Use card directly via RuPay credit on UPI
6.2%
₹18,566
🛒 Groceries
₹22,000 /mo · ₹2,64,000 /yr
→Use card directly
6.2%
₹16,338
🛍️ Tata Neu / Croma / TataCLiQ
₹15,000 /mo · ₹1,80,000 /yr
→Use card directly
6.2%
₹11,139
🚕 Local transport (Ola/Uber)
₹6,000 /mo · ₹72,000 /yr
→Use card directly
6.2%
₹4,456
🎬 Entertainment (movies, events)
₹5,000 /mo · ₹60,000 /yr
→Use card directly
6.2%
₹3,713
📺 OTT subscriptions
₹1,500 /mo · ₹18,000 /yr
→Use card directly
6.2%
₹1,114
🏠 Rent
₹60,000 /mo · ₹7,20,000 /yr
→Avoid this card · use a rent-friendly alternative Rent above ₹50K/month earns zero AND incurs a 1%+GST fee. See penalties.
Excluded + 1% fee
₹0
⛽ Fuel
₹12,000 /mo · ₹1,44,000 /yr
→Use a fuel-specific card (IOCL RBL, BPCL SBI Octane) Fuel earns zero on Magnus Burgundy. A co-branded fuel card delivers 5–10× more here.
Excluded
₹0
💡 Utilities & bills
₹8,000 /mo · ₹96,000 /yr
→Use a utility-friendly card (SBI Aurum, Axis ACE) Utilities earn zero. Axis ACE delivers 5% cashback here.
Excluded
₹0
🛡️ Insurance premiums
₹4,000 /mo · ₹48,000 /yr
→Use a card with insurance multiplier Insurance earns zero on Magnus Burgundy as of June 2025.
Excluded
₹0
→Not applicable
Excluded
₹0
→Not applicable
Excluded
₹0
→Not applicable
Excluded
₹0
Three insights from your routing
Portal play wins big
₹1,15,200/yr
Booking ₹32,000/mo of flights and hotels via Travel EDGE earns 30% effective — your single highest-return spend pattern.
Routed to wrong card
₹84,000/mo
₹10,08,000/yr of fuel, rent, utilities, insurance premiums earns zero on this card. Move to category-specific cards to recover ₹40K–₹71K/yr.
AEP threshold cleared
₹2,500/mo over
Most non-portal spend now earns at the 17.5% AEP rate. Drop below ₹1.5L of eligible spend in any month and the slab collapses to 6% base.