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Credit Cards · India

Axis Bank Privilege Credit Card

Updated 3 Jul 2026Source-linked

The Axis Bank Privilege Credit Card is a premium credit card from Axis Bank, with a joining fee of ₹1,500 + GST.

Cardholders get 2 quarterly domestic + 4 annual international airport lounge access, plus shopping or travel voucher on welcome as a welcome benefit.

Axis Bank logo
Axis Bank Privilege Credit Card
Visa logo
  • Joining Fee₹1,500
  • Annual Fee₹1,500
  • Best Suited ForTravel
  • Reward TypeEDGE Reward Points (points)
Rewards Rate
  • Base rate 0.90%
Welcome Benefits
  • Shopping or Travel voucher on welcome
Data verified 3 Jul 2026 — see our methodology
Axis Bank logoAxisVisa logosignaturepremium
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Rewards and Benefits

Rewards Rate
Base 0.90% on other spends.
Reward Redemption
EDGE Rewards: Redeem at ₹0.2 per unit.
Welcome Benefits
Shopping or Travel voucher on welcome
Milestone Rewards
  • ₹2,50,000 / annual: Additional 10,000 EDGE Reward Points worth ₹2,000
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
BOGO on District
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.9% = ₹135/mo
  • Groceries₹8,000 · 0.9% = ₹72/mo
  • Dining & food delivery₹8,000 · 0.9% = ₹72/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.9% = ₹90/mo
  • Utilities & bills₹5,000 · 0.0% = ₹0/mo
Est.net rewards for this spend, realistic
₹4,428/yr

₹4,428 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹5,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by Axis Bank.
  • Joining / annual fee of ₹1,500 + GST, waived on annual spends of ₹5,00,000.
  • Available on the Visa network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹5,00,000 spend.
  • Complimentary international airport lounge access.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹2,500 welcome benefit

  • Shopping or Travel voucher on welcome
    Joining fee paid
    Window: 90 days from issuance.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • government
  • insurance premiums
  • utilities
  • jewellery
  • education

Milestone benefits

  • ₹2,50,000 / annual: Additional 10,000 EDGE Reward Points worth ₹2,000 (≈ ₹2,000 value)

Airport lounge access

Domestic
2 visit(s) / quarterly. Via dreamfolks.
International
4 visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
18–70
Credit score
730+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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