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Understanding Credits

What are credits and how do they work?

Written by Runbo (CEO of Magic Hour)
Updated over a month ago

Overview

Magic Hour uses credits to measure how much you can create across all tools. Credits give you flexibility: use them on any workflow (image, video, audio), at your own pace. You can start free, then scale up when you need more volume, higher export quality, or commercial rights.

What Are Credits?

Credits are the unit of consumption for Magic Hour tools. Each image generated, video created, upscale performed, or audio minute generated costs a certain number of credits. Costs vary by tool and output.

Think of credits like a budget you can allocate across tools based on your workflow.

How Credits Work

Free credits (daily)

  • New accounts start with 400 one-time credits

  • Each day you visit the Create page, you can claim +100 free credits, regardless of plan

Monthly allowance (paid plans)

  • Paid plans include a monthly credit allowance

  • Credits replenish at the beginning of each billing period and never expire

Rollover (no expiration)

  • Unused credits roll over month to month with no expiration

Credits by Plan

Annual billing includes 33% off.

Plan

Credits included

Export quality

Upload limit

Watermark

Commercial use

API access

Basic (Free)

400 credits (plus daily claims)

576px

200MB

Yes

No

Limited

Creator

120,000 per year

1024px

2GB

No

Yes

Yes

Pro

360,000 per year

1472px

5GB

No

Yes

Yes

Business

840,000 per year

4K (select modes)

10GB

No

Yes

Yes

Notes:

  • Creator, Pro, and Business remove watermarks and include commercial use

  • API access is available for all users; free access is limited

What Your Credits Can Produce (by Tool)

The outputs below are approximate and assume you spend most credits on a single tool.

Video tools (approx output per plan)

Tool

Basic (Free)

Creator

Pro

Business

Face Swap Video

17 seconds

1.4 hours

4.2 hours

9.7 hours

Video-to-Video

8 seconds

42 minutes

2.1 hours

4.9 hours

Talking Photo

8 seconds

42 minutes

2.1 hours

4.9 hours

Image-to-Video

Not available

1.4 hours

4.2 hours

9.7 hours

Lip Sync

17 seconds

1.4 hours

4.2 hours

9.7 hours

Animation

17 seconds

1.4 hours

4.2 hours

9.7 hours

Text-to-Video

Not available

1.4 hours

4.2 hours

9.7 hours

Subtitle Generator

17 seconds

1.4 hours

4.2 hours

9.7 hours

AI Video Upscaler

Not available

1.4 hours

4.2 hours

9.7 hours

AI UGC Ad Generator

Not available

6 minutes

17 minutes

39 minutes

Image tools (approx output per plan)

Tool

Basic (Free)

Creator

Pro

Business

Face Swap Photo

80 images

24K images

72K images

168K images

Head Swap

80 images

24K images

72K images

168K images

AI Image Generator

80 images

24K images

72K images

168K images

AI Image Editor

40 images

12K images

36K images

84K images

AI Clothes Changer

16 images

4,800 images

14K images

34K images

AI Image Upscaler

16 images

4,800 images

14K images

34K images

AI Face Editor

400 images

120K images

360K images

840K images

AI Headshot Generator

8 images

2,400 images

7,200 images

17K images

AI GIF Generator

8 images

2,400 images

7,200 images

17K images

AI Selfie Generator

8 images

2,400 images

7,200 images

17K images

AI Meme Generator

40 images

12K images

36K images

84K images

Photo Colorizer

40 images

12K images

36K images

84K images

Background Remover

80 images

24K images

72K images

168K images

AI Storyboard Generator

2 images

480 images

1,440 images

3,360 images

QR Code Generator

Unlimited

Unlimited

Unlimited

Unlimited

Audio tools (approx output per plan)

Tool

Basic (Free)

Creator

Pro

Business

Voice Generator

7 minutes

33.3 hours

100 hours

233.3 hours

Voice Cloner

7 minutes

33.3 hours

100 hours

233.3 hours

Voice Changer

7 minutes

33.3 hours

100 hours

233.3 hours

Credit Packs

If you need extra credits without changing your plan, you can buy a credit pack:

  • 2,000 credits

  • Removes watermark

  • Never expires

  • Credit packs do not include other subscription benefits beyond watermark removal

What Happens When You Run Out?

If you run out of credits:

  • Paid plans: wait for your next billing cycle and your allowance replenishes

  • Any plan: purchase a credit pack to top up immediately

  • Free plan: claim daily credits by visiting the Create page

Using Credits Efficiently

  • Start small: test prompts/settings on short runs before scaling to long videos or big batches

  • Spend video credits intentionally: use video tools for hero assets, then reuse with lighter edits (subtitles, variants) to stretch value

  • Use rollover as a buffer: bank credits during light months, then spend during launches or campaigns

Plan Selection Guide

Choose Basic (Free) if you:

  • Want to test the product with starter credits and daily claims

  • Are okay with watermark, 576px export quality, and limited video tool access

Choose Creator if you:

  • Want watermark-free exports, 1024px quality, commercial use, and more volume

Choose Pro if you:

  • Need higher quality (1472px), more volume, and priority support for ongoing work

Choose Business if you:

  • Need 4K (select modes), large uploads, and the most credits (teams and agencies)

Billing, Cancellations, Downgrades

  • Cancel anytime from My Plan; your subscription ends at the end of the billing cycle and you won’t be charged again

  • If you downgrade, you keep your existing credits; your allowance updates at the start of the next billing cycle

  • Pricing excludes tax; if tax applies, it’s added at checkout or invoices

Payment methods

Credit/debit cards and multiple local payment methods are supported. PayPal is not supported.

Ownership and Commercial Use

  • You retain ownership of assets you generate

  • Commercial use is included for paid users; free users are limited to personal, non-commercial use

Privacy

  • Your assets are private to your account

  • You can delete generated assets

  • Uploaded assets are deleted within one week

Refunds

A one-time refund is available if:

  • The purchase was within the past 7 days, and

  • Fewer than 500 credits from the purchased plan were used (free sign-up credits don’t count toward the limit)

API and Enterprise Use

Using your plan via API

You can use your plan for API access, with the same tier features and usage levels.

Usage-based API pricing

If you want pay-as-you-go, usage-based billing is available with automatic volume discounts. The per-1,000-credit rate decreases as monthly usage increases, and higher-resolution tiers cost more per 1,000 credits.

Troubleshooting Credits

I ran out of credits. What now?

Claim daily free credits (free plan), buy a credit pack, or wait for your next billing cycle.

Do credits roll over?

Yes. Unused credits roll over with no expiration.

When do paid credits replenish?

At the beginning of each billing period. Check My Plan for your next invoice date.

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