If Magic =/= pay-to-win then neither do those 2 specific examples you just gave.
I don't believe there is a competitive (read: >2 players) game that is "pay-to-win" if you feel that magic isn't pay-to-win
Yes, in some sense the difference between M:tG's "~$50-500 for the best game pieces, or to enter major Limited tourneys where everyone is forced to start from scratch, for a year; only skill matters from there" and Clash Royale's "~$5000, or an amount of time and attention worth >$5000, for the best game pieces, otherwise you're strictly behind someone with higher-level versions of your pieces" is only one of degree. But again, a far larger fraction of M:tG games involve both players playing with what they consider the best pieces. I don't believe I'm the only one who sees this as amounting in practice to a difference in kind.