Keep or Dump Axis Magnus Burgundy After Devaluation? This Math Decides

Описание: Axis removed Accor, Marriott, and Qatar from their transfer partners. Should you dump your Magnus Burgundy? This math says no.

The comparison (₹5 lakh monthly spend):

HSBC Premier (3% earn, direct Accor transfer):
→ ₹5L → 15,000 Accor points → ₹30,000 value

Magnus Burgundy (via JAL → Accor route):
→ ₹1.5L at base rate → 7,200 partner miles
→ ₹3.5L at AEP rate (35 EDGE/₹200) → 49,000 miles
→ Total: 56,200 miles
→ Convert 50,000 to JAL → 20,000 Accor points → ₹40,000 value
→ Leftover: 6,200 miles for Air India or any partner

The card that "lost" Accor: ₹40,000 + leftover miles.
The card with direct Accor: ₹30,000. That's it.

AEP effective Accor earn rate:
→ 35 EDGE per ₹200 → 5:4 transfer → 14 miles per ₹100
→ Via JAL→Accor (10K:4K): 5.6% back in Accor points
→ At ₹2/point Accor value: 11.2% rupee return

JAL → Accor conversion (verified on Accor website):
→ 10,000 JAL miles = 4,000 Accor points
→ 5,000 JAL miles = 1,000 Accor points (worse ratio — always use 10K chunks)

And if you fly business class:
→ JAL DEL-NRT business: 40,000 miles = ₹3 lakh+ flight
→ KrisFlyer BOM-SIN business: 43,000 miles = ₹2.2 lakh flight
→ Aeroplan DEL-ZRH business: 60,000 miles on SWISS/Lufthansa

Comprehensive guide on all 3 partners coming soon.

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