Rewards

Axis Bank Privilege Credit Card

A mid-level rewards card with a big 12,500-point welcome bonus, about 1% back on spends, a ₹2.5 lakh milestone and domestic lounges.

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Network: Visa · Last checked 22 Oct 2026 · We may earn a commission

Joining fee₹1,500 + GST

Annual fee₹1,500 + GST

Fee waiverOn ₹5 lakh spend a year

Top reward10 points per ₹200

Lounge2 domestic a quarter (spend-based)

Forex markup3.5%

Best for: Spenders of ₹20,000 to ₹40,000 a month who want lounges and a steady 1% back.

Rewards and cashback

Where you spend	You earn	Limit
All eligible spends	10 EDGE points per ₹200 (about 1%)	–
Rent, wallet loads, fuel, gold, government, utilities, insurance, education, tolls, gift cards	Nothing	–

1 point = about ₹0.20 for vouchers, cashback or Travel EDGE.
Points can be transferred to airline and hotel partners, mostly 10:1.

Benefits

Welcome benefit

12,500 EDGE points (about ₹2,500) after the fee and a first spend within 30 days.

Milestones

10,000 EDGE points (about ₹2,000) on ₹2.5 lakh yearly spend.

Travel and lounges

2 domestic lounge visits a quarter with ₹50,000 spend in the previous 3 months.
No international lounge access.

Fuel and forex

1% fuel surcharge waiver on ₹400 to ₹4,000, up to ₹400 a cycle.
Forex markup 3.5%.

Other perks

District: second movie ticket free up to ₹250, once a month
Axis Dining Delights restaurant discounts

Fees and charges

Joining fee	₹1,500 + GST (₹1,770)
Annual fee	₹1,500 + GST, waived on ₹5 lakh yearly spend
Interest	3.75% a month
Forex markup	3.5%

GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.

Who can apply

Age 18 to 70
Salaried or self-employed

You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.

Pros and cons

What we like

Welcome points exceed the fee
Easy ₹2.5 lakh milestone
Domestic lounges

Watch out for

Points worth only ₹0.20
No international lounges
High forex markup

Recent changes

28 Aug 2026Currency conversion fee raised to 3.5% + GST; tolls stop earning.
1 Nov 2026Movie offer needs ₹25,000 spend in the previous 3 months.

Frequently asked questions

Is the Axis Privilege card available on Amex?

Yes, there is an American Express version with the same terms; this page covers the Visa card.

Ready to apply for the Axis Bank Privilege Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.

Apply now

Compare two cards side by side →

Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.

Axis Bank Privilege Credit Card: Benefits, Fees and Review (2026)