Axis Bank Privilege Credit Card

creditVisa

Axis Bank Privilege Credit Card — mid-tier lifestyle card earning 10 EDGE RP per ₹200 on shopping (apparel, department stores, electronics; ~1% effective) and 5 EDGE RP per ₹200 on other eligible spends (~0.5%), at ₹0.20/RP standard redemption. Perks: 8 domestic lounge visits/year (spend-gated), 25% off up to ₹800 on EasyDiner (2x/month), Dining Delights, 1% fuel surcharge waiver, contactless. Welcome: 20,000 EDGE RP (~₹5,000) + SonyLIV Premium. Annual fee ₹1,500 + GST, waived on ₹2.5L annual spends. Forex 3.5%.

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value13/100 · weight 65%

≈ 0.66% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +1.8% score bonus — earns broadly without narrow category restrictions.

No rewards on: government, wallet_load, rent, education, utilities, fuel, insurance. Reward score is scaled by ×(1 − 4.8%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.

Fee efficiency87/100 · weight 11%

Redemption flexibility92/100 · weight 8%

Perks42/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: ₹1,500 + 18% GST
= ₹1,770 total
Annual fee: ₹1,500 + 18% GST
= ₹1,770 / year total
Forex markup: 3.5%

Lounge access

Domestic (per year): 8
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
electronics	cashback	5%	—	10 EDGE RP per ₹200 on electronics (~1% effective)
online_shopping	cashback	5%	—	10 EDGE RP per ₹200 on eligible online shopping MCCs (~1% effective)
apparel	cashback	5%	—	10 EDGE RP per ₹200 on apparel shopping (~1% effective)
departmental_stores	cashback	5%	—	10 EDGE RP per ₹200 on department stores (~1% effective)
all_spends	cashback	2.5%	—	5 EDGE RP per ₹200 base (₹0.20/RP → ~0.5% effective)
insurance	cashback	0%	—	No EDGE Rewards on insurance
utilities	cashback	0%	—	No EDGE Rewards on utilities
education	cashback	0%	—	No EDGE Rewards on education
fuel	cashback	0%	—	No EDGE Rewards on fuel
rent	cashback	0%	—	No EDGE Rewards on rent
wallet_load	cashback	0%	—	No EDGE Rewards on wallet loads
government	cashback	0%	—	No EDGE Rewards on government/tax payments

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

FuelRentWallet loadsCash advancesGovernment/tax paymentsInsuranceUtilitiesEducationJewelleryCard fees & finance chargesEMI conversionsExcluded MCCs

Welcome offer

20,000 EDGE Reward Points (worth ~₹5,000) on first transaction within 30 days + complimentary SonyLIV Premium annual subscription (subject to prevailing offer)

What's inside

Travel privileges

Domestic airport lounge access
2 complimentary domestic lounge visits per quarter (8/year), subject to ₹50,000 retail spend in the previous 3 months.
quarterly.

Earn every day

EasyDiner discount
₹800
25% discount up to ₹800 on EasyDiner, up to 2 times per month.
monthly.
Dining Delights
Discounts at partner restaurants under Axis Dining Delights.
yearly.
1% fuel surcharge waiver
1% fuel surcharge waiver on fuel transactions of ₹400–₹4,000, capped at ₹400 per statement cycle.
yearly.

Welcome benefits

20,000 EDGE Reward Points welcome bonus
₹5,000
20,000 EDGE Reward Points (worth ~₹5,000 at standard redemption) on first transaction within 30 days of card issuance.
one time.
SonyLIV Premium annual subscription
₹999
Complimentary SonyLIV Premium annual subscription (subject to prevailing offer).
one time.

Small print

Fuel surcharge:1% fuel surcharge waiver on fuel transactions of ₹400–₹4,000 (max ₹400/statement)