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.
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.
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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.