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Last updated: 01-06-2026
Axis Bank Privilege Credit Card
Axis Bank

Axis Bank Privilege Credit Card

"Axis Bank's mid-premium travel card โ€” accelerated EDGE rewards on travel and dining, domestic lounge access, Priority Pass and comprehensive travel insurance"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,500 + GST
Waived: Annual fee waived on spending โ‚น2.5 lakh or more in the card anniversary year
๐ŸŽฏ Best Suited For
Mid-level travellers who want lounge access, dining benefits and travel insurance from Axis Bank at a reasonable fee; upgrade path from MY Zone or Flipkart card
๐ŸŽ Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.50 for travel; โ‚น0.20 for cashback)
๐ŸŽ‰ Welcome Benefit
Welcome vouchers and bonus EDGE RPs on card activation โ€” check current offer on Axis Bank website
๐Ÿ’ฐ Reward Rate
5 EDGE RPs per โ‚น200 on travel and dining (1.25% effective for travel); 2 EDGE RPs per โ‚น200 on all other eligible spends; excludes fuel, EMI, wallet, rent, government; EDGE RPs valid 2 years
โœˆ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น35,000 in preceding quarter; Priority Pass membership with chargeable international visits โ€” verify current terms on Axis Bank website
๐Ÿ’ฑ Forex Markup
2.5% on international transactions โ€” lower than most mid-range cards
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โœ… Pros
  • 2.5% forex markup โ€” lower than most mid-range cards
  • 2 domestic lounge visits per quarter
  • Priority Pass membership
  • 15% off at 4,000+ restaurants
  • Comprehensive travel insurance
  • Achievable โ‚น2.5L fee waiver
โŒ Cons
  • Lounge requires โ‚น35K quarterly spend
  • EDGE RPs valid only 2 years
  • Priority Pass international visits may be chargeable
  • Cashback value โ‚น0.20 per RP is low

๐ŸŽ Rewards & Benefits

Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.50 for travel; โ‚น0.20 for cashback)
Welcome Benefits
Welcome vouchers and bonus EDGE RPs on card activation โ€” check current offer on Axis Bank website
Reward Rate
5 EDGE RPs per โ‚น200 on travel and dining (1.25% effective for travel); 2 EDGE RPs per โ‚น200 on all other eligible spends; excludes fuel, EMI, wallet, rent, government; EDGE RPs valid 2 years
Reward Redemption
Axis EDGE Rewards portal: travel at 1 EDGE RP = โ‚น0.50; cashback at โ‚น0.20; vouchers; merchandise
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations
Lounge Access
2 complimentary domestic airport lounge visits per quarter on spending โ‚น35,000 in preceding quarter; Priority Pass membership with chargeable international visits โ€” verify current terms on Axis Bank website
Spend Based Fee Waiver
Annual fee waived on โ‚น2.5 lakh annual spend
Milestone Benefits
Annual fee waiver on โ‚น2.5L spend; lounge on โ‚น35K quarterly spend
Other Benefits
2 domestic lounge visits per quarter; Priority Pass membership; 2.5% forex markup; 15% off at 4,000+ restaurants via Axis Dining Delights; comprehensive travel insurance; contactless payments; Smart EMI; Axis Mobile app management

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (verify current international access terms)
Insurance Cover
Comprehensive travel insurance; air accident cover; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2 domestic lounge per quarter; 2.5% forex; dining 15% off; travel insurance; Priority Pass

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,500 + GST
Annual Fee / Renewal Fee
โ‚น1,500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น2.5 lakh or more in the card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
2.5% on international transactions โ€” lower than most mid-range cards
Other Charges
Lounge requires โ‚น35K quarterly spend; EDGE RPs valid only 2 years; Priority Pass international visits may be chargeable โ€” verify

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; minimum monthly income โ‚น50,000; Indian resident; CIBIL 720+
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and Axis Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app
Mobile App
Axis Mobile app
Online Banking
Axis Bank NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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