Axis Bank
Axis Bank Burgundy Private Credit Card
Annual Fee
₹59,000₹50,000 + GSTBase Reward
7.5% points
Foreign Markup
Nil
Product Highlights
- 15 Edge Reward points on every ₹200 spent
- Unlimited complimentary domestic and international lounge access
- Complimentary memberships to Club Marriott, Taj Epicure, and ALL Accor+ Explorer
- 50 complimentary golf rounds every year
- No cash advance charges and no forex markup fee
Category Rewards
entertainment
15 Edge Reward Points for every ₹200 spent
7.5X
dining
30% Off Up to ₹1,000 on Dining Bill Payments
7.5X
Fee Waiver
Nil for Burgundy Private Account Holders
Reward Calculator
Earns ₹4,500/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
22.5K
Axis EDGE Reward Points
₹4.5K
via edge catalogue · ₹0.2/pt
Effective rate
1.50%
Annual fee
FREE
Year 1 net
+₹4,500
Year 2+ net
+₹4,500
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%Kicks in after ₹10,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹25,000 cumulative utility spends/cycle
Excluded from rewards
emi, government, gold, jewellery, fuel, utility, telecom
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 15 Edge Reward Points for every ₹200 spent. Enjoy complimentary memberships to Club Marriott, Taj Epicure, and ALL Accor+ Explorer, along with Eazy Diner membership.
- 1 Edge Reward Point = ₹0.20
Benefits & Features
Domestic: Unlimited complimentary domestic lounge access. International: Unlimited complimentary international lounge access. Unlimited domestic and international lounge access for primary and add-on cardholders.
Pros & Cons
Pros
- High reward rate of 15 points for every ₹200 spent
- Unlimited lounge access for primary and add-on cardholders
- Complimentary memberships to luxury dining and hotel programs
- No cash advance charges
Cons
- High annual fee of ₹50,000
- Eligibility limited to Burgundy Private account holders
Additional Info
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Networks
Fee Waiver
Nil for Burgundy Private Account Holders