Axis

Axis Privilege Credit Card

This is an invite only card

Apply and get ₹1040 Rewards

Top Benefits

Earn 10,000 bonus EDGE Reward Points worth ₹2,000

on spending ₹2.5 lakh in a card anniversary year

Earn 10 EDGE Reward Points for every ₹200

spent on domestic and international transactions, redeemable across 500+ rewards and offers

Best For

Shopping

Airport Lounge

The Axis Privilege Credit Card is a mid-tier reward credit card from Axis Bank built around the EDGE ...

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The Axis Privilege Credit Card is a mid-tier reward credit card from Axis Bank built around the EDGE REWARDS programme. Issued on the Visa network, it carries a ₹1,500 joining fee and a ₹1,500 annual fee, with the annual fee waivable on annual spends of ₹5,00,000 or more.

The card delivers 10 EDGE Reward Points for every ₹200 spent on both domestic and international transactions, with a redemption rate of approximately 1 EDGE Point = ₹0.20. The base earn rate works out to about 1% effective return, with potential for higher returns through partner offers and bonus structures.

The standout welcome benefit is 12,500 EDGE Reward Points (worth approximately ₹2,500) on payment of joining fee and first transaction within 30 days. This fully offsets the joining fee, making the first year economically attractive.

Eligibility requires applicants to be between 18 and 70 years of age, with a minimum annual income of ₹6 LPA for both salaried and self-employed (₹50,000 monthly). CIBIL score requirement is 750 or above. The broadest age range in Axis Bank's lineup (18 to 70) makes this card accessible to young professionals and senior citizens alike.

Travel benefits include 2 complimentary domestic lounge accesses per quarter at select Axis Bank Privilege lounges, unlocked by minimum spend of ₹50,000 in the prior 3 months. Movie benefits include buy-one-get-one on the District app (max ₹250 per month). Dining benefits offer 15% off at partner restaurants via Axis Bank Dining Delights on EazyDiner.

Bonus reward structure includes 10,000 bonus EDGE Reward Points worth ₹2,000 on spending ₹2.5 lakh in a card anniversary year, plus the annual fee waiver on ₹5 lakh spends. Combined annual reward potential makes this card competitive with other mid-tier products.

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Commonly Asked Questions

Q. What is the joining fee?

A. The joining fee is ₹1,500 plus applicable GST, offset by 12,500 EDGE Reward Points (worth ₹2,500) on first transaction within 30 days.

Q. Can the annual fee be waived?

A. Yes, on annual spends of ₹5,00,000 or more.

Q. What is the base earn rate?

A. 10 EDGE Reward Points per ₹200 spent on domestic and international transactions, with 1 point ≈ ₹0.20 at redemption.

Expert Review

The Axis Privilege Credit Card is a strong mid-tier option for users who value the welcome benefit and lifestyle perks. The 12,500 EDGE Reward Points welcome (worth ₹2,500) makes this card pay for itself in the first year.

For a user spending ₹3 lakh annually with regular movie nights and dining out, the card delivers approximately ₹3,000 (base earning) + ₹2,000 (anniversary bonus) + ₹3,000 (movie BOGO) + ₹6,000 (dining) = ₹14,000 in annual value. Against an annual fee of ₹1,770 (₹1,500 + GST), this is excellent value.

The lounge access threshold (₹50,000 quarterly) is moderate. Users consolidating their spending can extract 8 lounge visits per year, useful for occasional domestic travellers.

The card has limitations. The 3.5% forex markup is uncompetitive. The reward redemption value (₹0.20 per point) is on the lower side. The annual fee waiver at ₹5 lakh is high for moderate users.

Our recommendation: get this card if you want a strong welcome benefit, watch movies regularly via District, and dine out at premium restaurants. For users seeking richer rewards, consider the HDFC Regalia or HDFC Diners ClubMiles at similar fees.

Joining / Annual Fee

Joining Fees

₹1,770 ( ₹1500 + GST )

logo 12,500 EDGE Reward points worth ₹2,500 on payment of joining fee and first transaction within 30 days of card issuance.

Annual Fees

₹1,770 ( ₹1500 + GST )

logo The annual fee is waived if you spend ₹500000 or more in a year on your card, as per bank policy.

Joining fee is ₹1,500 plus GST, offset by 12,500 EDGE Reward Points (worth ₹2,500) on first transacti...

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Joining fee is ₹1,500 plus GST, offset by 12,500 EDGE Reward Points (worth ₹2,500) on first transaction. Annual fee is ₹1,500 plus GST from year two, waivable on ₹5,00,000 annual spend.

GST at 18% applies, so the total first-year cost is ₹1,770. The annual fee from year two, if not waived, is also ₹1,770.

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Commonly Asked Questions

Q. What is the joining fee?

A. ₹1,500 plus 18% GST, totalling ₹1,770.

Q. How can the annual fee be waived?

A. On annual spends of ₹5,00,000 or more.

Q. Is the joining fee offset?

A. Yes, the welcome 12,500 EDGE Points (₹2,500) more than offset the joining fee.

Q. Is GST applicable?

A. Yes, 18% GST applies to both fees.

Eligibility

Age
Criteria*

18-70 years

Salary
Criteria*

6LPA

Credit
Rating*

750+

New to credit
allowed

Yes

Existing Bank
Customer Allowed

Yes

Applicants must be between 18 and 70 years of age, which is the broadest age range in Axis Bank's cre...

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Applicants must be between 18 and 70 years of age, which is the broadest age range in Axis Bank's credit card lineup. The minimum annual income is ₹6 LPA for both salaried and self-employed (₹50,000 monthly).

A CIBIL score of 750 or above is required. Axis Bank also considers credit behaviour, payment history, and credit utilisation.

You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof. Axis Bank has an extensive branch network across India.

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Commonly Asked Questions

Q. What is the minimum income required?

A. ₹6 LPA for both salaried and self-employed applicants.

Q. What CIBIL score is needed?

A. 750 or above.

Q. Is the card available to senior citizens?

A. Yes, the age limit of 70 makes this one of the most accessible cards for senior professionals.

Q. Can 18-year-olds apply?

A. Yes, the minimum age of 18 is among the lowest in the Indian premium card market.

See if you are eligible for this card

All Card Benefits

12,500 EDGE Reward Points worth ₹2,500 on activation upon first transaction within 30 days
2 complimentary domestic lounge accesses per quarter at select airports
Buy 1 Get 1 free on movie tickets via District app, capped at ₹250 per month
Earn 10 EDGE Reward Points for every ₹200 spent on domestic and international transactions
Earn 10,000 bonus EDGE Reward Points worth ₹2,000 on spending ₹2.5 lakh in a card anniversary year
Redeemable across 500+ rewards and offers via EDGE Rewards catalogue

The Axis Privilege Credit Card combines reward earning, modest lounge access, and lifestyle benefits ...

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The Axis Privilege Credit Card combines reward earning, modest lounge access, and lifestyle benefits at a mid-tier fee point.

The base reward structure is 10 EDGE Reward Points per ₹200 on both domestic and international transactions, equivalent to about 1% effective return. The card also offers 10,000 bonus EDGE Reward Points worth ₹2,000 on spending ₹2.5 lakh in a card anniversary year, which works out to an additional 0.8% return.

Welcome benefits include 12,500 EDGE Reward Points worth ₹2,500 upon payment of joining fee and completing your first transaction within 30 days. This is a significant welcome value relative to the ₹1,500 joining fee.

Lounge access is conditional. You get 2 complimentary domestic airport lounge accesses per calendar quarter at select Axis Bank Privilege lounges, but only after a minimum spend of ₹50,000 in the prior 3 months. So you need to maintain consistent spending to extract this benefit.

Movie benefits include buy-one-get-one (100% off on second ticket) on the District app, with maximum discount of ₹250 per transaction, valid once a month. Use promo code AXISPRIVILEGE at checkout. So a family of two going to the movies once a month saves up to ₹250, totalling ₹3,000 annually.

Dining benefits offer 15% off at partner restaurants via Axis Bank Dining Delights on EazyDiner. Maximum discount of ₹500 per visit, minimum order value of ₹2,500, valid once per card per month. So 12 dining visits a year save up to ₹6,000.

Fuel surcharge waiver is 1% on transactions between ₹400 and ₹4,000, maximum ₹400 per statement cycle. No reward points are earned on fuel transactions.

Redemption options include e-vouchers and products, travel bookings (flights and hotels), and points-to-miles transfers to partner airline miles programmes via the Axis EDGE Rewards portal.

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Commonly Asked Questions

Q. What is the welcome benefit?

A. 12,500 EDGE Reward Points (worth ₹2,500) on payment of joining fee and first transaction within 30 days.

Q. What is the bonus reward structure?

A. 10,000 bonus EDGE Reward Points worth ₹2,000 on spending ₹2.5 lakh in a card anniversary year.

Q. How does lounge access work?

A. 2 complimentary domestic lounge accesses per calendar quarter, unlocked by minimum spend of ₹50,000 in the prior 3 months.

Q. What movie benefits are included?

A. Buy-one-get-one on the District app, max ₹250 per month, using code AXISPRIVILEGE.

Q. Are there dining discounts?

A. Yes, 15% off at partner restaurants via Axis Bank Dining Delights on EazyDiner, max ₹500 per visit.

Q. Is there a fuel surcharge waiver?

A. Yes, 1% on transactions between ₹400 and ₹4,000, max ₹400 per statement cycle. No rewards earned on fuel.

Q. Can I transfer points to airline miles?

A. Yes, points-to-miles transfers are available to partner airline programmes via the Axis EDGE Rewards portal.

Milestone Benefits

10000 reward points(Worth ~ ₹0)

Spend ₹2,50,000 in 365 days

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

1 Reward Point = ₹0.20

Redemption Options

E-Vouchers & Products
Travel: Flights/Hotels
Points-to-Miles: Partner Airline Miles

To check redemption catalogue

Click Here

Reward redemption is done through the Axis EDGE Rewards portal at edgerewards.axisbank.in/lms or the ...

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Reward redemption is done through the Axis EDGE Rewards portal at edgerewards.axisbank.in/lms or the Axis Mobile app.

1 EDGE Reward Point = approximately ₹0.20 across the EDGE catalogue. You can redeem for e-vouchers, products, travel bookings, and partner airline miles transfers.

To redeem, log in, browse the catalogue, select your option, and confirm. E-vouchers are delivered within 24 to 72 hours.

There is no reward redemption fee on this card, which adds value over time.

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Commonly Asked Questions

Q. What is the redemption value?

A. Approximately 1 EDGE Reward Point = ₹0.20 across the EDGE catalogue.

Q. Is there a redemption fee?

A. No, there is no reward redemption fee on this card.

Q. Can I transfer points to airline miles?

A. Yes, points-to-miles transfers are available via the EDGE Rewards portal.

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an Axis Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

If you currently hold or have ever held an Axis Credit Card, you are not eligible for Gift Card
A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
Please use Aadhaar linked mobile number to fill the application
If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via Great.Cards to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Utility Bill Payments

Telecom

Rent Payment

Wallet Loads

Government-related Transactions

Insurance Payments

Jewellery Purchases

Fuel Spends

Education Spends

For Spends Waiver

Utility Bill Payments

Telecom

Rent Payment

Wallet Loads

Government-related Transactions

Insurance Payments

Jewellery Purchases

Fuel Spends

Education Spends

Excluded categories from EDGE Reward Points: utility bill payments, telecom, rent payment, wallet loa...

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Excluded categories from EDGE Reward Points: utility bill payments, telecom, rent payment, wallet loads, government-related transactions, insurance payments, jewellery purchases, fuel spends, and education spends.

These categories do not earn rewards and do not count toward the ₹5 lakh annual fee waiver threshold.

Refer to the latest MITC for the full exclusion list.

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Commonly Asked Questions

Q. Are utility payments excluded?

A. Yes, utility bill payments are excluded.

Q. Do rent payments earn rewards?

A. No, rent payments are excluded.

Q. Are fuel transactions rewarded?

A. No, fuel spends are excluded from rewards. The card does offer a 1% fuel surcharge waiver.

Bank Fee Structure

Structure	Details
Forex Markups 3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.50%
APR Fees 3.75% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases	3.75%
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500	2.50%
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request	₹99
Link for all T&Cs	Click Here
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges	As prescribed by IRCTC / Indian Railways
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges	1%
cheque Payment Fees No cheque payment fee is charged on this card	Not Applicable
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch or ATM	₹175

Late Payment Fees	Amount Due
₹0 - ₹500	₹0
₹501 - ₹5,000	₹500
₹5,001 - ₹10,000	₹750
Above ₹10,000	₹1,200

Joining fee ₹1,500 plus GST. Annual fee ₹1,500 plus GST from year two, waivable on ₹5,00,000 annual s...

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Joining fee ₹1,500 plus GST. Annual fee ₹1,500 plus GST from year two, waivable on ₹5,00,000 annual spend.

Forex markup is 3.5% on all international transactions. APR on revolving balances is 3.75% per month, equivalent to 55.55% per annum.

Cash advance fee is 2.5% of withdrawn amount, minimum ₹500. Reward redemption fee is not applicable.

Railway surcharge is 1% plus GST. Rent payment processing charge is 1% of transaction.

Cheque payment charge is ₹100 per cheque. Cash payment at branch is ₹100 per transaction.

Late payment charges are slab-based: ₹0 below ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for balances above ₹10,000.

Fee Type	Amount
Joining Fee	₹1,500 + GST
Annual Fee	₹1,500 + GST (waived ₹5L)
Forex Markup	3.5%
APR	3.75% per month (55.55% p.a.)
Cash Advance Fee	2.5% (min ₹500)
Reward Redemption Fee	Not Applicable
Railway Surcharge	1% + GST
Rent Payment Charge	1% of transaction
Cheque Payment Charge	₹100 per cheque
Cash Payment at Branch	₹100 per transaction
Late Payment Charges	₹0 / ₹500 / ₹750 / ₹1,200 (slab-based)

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Commonly Asked Questions

Q. What is the interest rate?

A. 3.75% per month or 55.55% per annum.

Q. What is the forex markup?

A. 3.5% on all international transactions.

Q. What are late payment charges?

A. Slab-based from ₹0 to ₹1,200.

Q. Is there a redemption fee?

A. No, redemption is free on this card.

Q. What is the cash advance fee?

A. 2.5% of withdrawn amount, minimum ₹500.

Q. What is the rent payment charge?

A. 1% of transaction. Rent payments are also excluded from rewards.

Documents Required

Identity proof requires PAN plus Aadhaar, Voter ID, passport, or driving licence. Address proof can be Aadhaar with current address, utility bills, rental agreement, passport, or driving licence.

Income proof for salaried: last 3 months' salary slips and 6 months' bank statement. Self-employed: last 2 years' ITR with computation, business bank statement, and proof of business existence.

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Commonly Asked Questions

Q. Is PAN mandatory?

A. Yes, PAN is mandatory.

Q. What income proof is needed for salaried?

A. Last 3 months' salary slips and 6 months' bank statement.

Q. What income proof is needed for self-employed?

A. Last 2 years' ITR, business bank statement, and proof of business existence.

Who Should Get This Card?

The Axis Privilege Credit Card is built for moderate spenders in the ₹6 to ₹15 LPA income bracket who want a strong welcome benefit and basic lifestyle perks. The 12,500 EDGE Reward Points welcome (worth ₹2,500) makes this card economically attractive in the first year.

The card especially suits users who watch movies regularly (BOGO benefit) and dine out at premium restaurants (15% off via EazyDiner). For these users, the card delivers ₹6,000+ in annual dining and movie savings on top of the base reward earning.

The lounge access threshold (₹50,000 quarterly) is achievable for users with consistent monthly spending. The annual fee waiver at ₹5 lakh is high for moderate users but achievable for households consolidating spending.

This card is not the right pick for heavy travellers (consider Axis Atlas or HDFC Diners ClubMiles), forex-heavy users (3.5% markup is uncompetitive), or users seeking accelerated category rewards. For pure reward maximisation, the Axis ACE or HDFC Millennia may deliver more focused value.

Credit Limit and What to Expect

The credit limit depends on income, CIBIL score, and existing obligations. For ₹6 to ₹15 LPA income profiles, typical starting limits range from ₹1,00,000 to ₹3,00,000.

Axis offers credit limit enhancements after 6 to 12 months of regular usage. Cash advance limit is usually 20% to 40% of total limit, with a 2.5% fee per transaction.

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Commonly Asked Questions

Q. What credit limit can I expect?

A. For ₹6 to ₹15 LPA income, starting limits range from ₹1,00,000 to ₹3,00,000.

Q. When can I request an increase?

A. After 6 to 12 months of regular usage.

Q. What is the cash advance limit?

A. 20% to 40% of total credit limit.

How to Apply?

Apply through the Axis Bank website, partner platforms like BankKaro, or by visiting any Axis branch.

Online application via axisbank.com is the most common route. Fill in PAN, Aadhaar, date of birth, employment type, and monthly income. Upload digital copies of PAN, Aadhaar, income proof, and address proof.

Axis runs a bureau check followed by internal verification. Initial decision in 1 to 3 working days. Physical card dispatched within 7 to 10 working days.

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