Axis Bank
Axis Bank Privilege Credit Card
Annual Fee
₹1,770₹1,500 + GSTBase Reward
1% points
Foreign Markup
3.5% + GST
Welcome Benefits
12,500 EDGE Reward Points Worth ₹2,500
Product Highlights
- Lifetime free for priority banking customers
- 10 EDGE Points for every ₹200 spent
- Complimentary domestic lounge access
Category Rewards
dining
10 EDGE Points/₹200 Spent
10 pts/₹200
Specialty
Up to 15% discount at partner restaurants
1X
Fee Waiver
Waiver of Renewal Fee on Spends of ₹5 Lakh or More
Reward Calculator
Earns ₹1,230/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
15K
Axis EDGE Reward Points
₹3K
via edge catalogue · ₹0.2/pt
Effective rate
1.00%
Annual fee
₹1,770
Year 1 net
+₹1,230
Year 2+ net
+₹1,230
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
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, government
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 10 EDGE Points for every ₹200 spent. Up to 15% discount at partner restaurants and Buy One Get One on movie tickets via District by Zomato.
- 1 EDGE Point = ₹0.20 Against a Variety of Products and Vouchers
Benefits & Features
Domestic: 2 Free Visits Each Quarter (Spends of ₹50,000 or More in the Previous Three Months) Complimentary domestic lounge access every year.
Pros & Cons
Pros
- Welcome benefits valued at ₹2,500
- Up to 15% discount at partner restaurants
- Buy One Get One on movie tickets
Cons
- No international lounge access
- Certain categories do not earn rewards
Additional Info
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Min Age
18 yrs
Salaried
₹6.0L+
Networks
Fee Waiver
Waiver of Renewal Fee on Spends of ₹5 Lakh or More