CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
Axis Bank

Axis Bank Privilege Credit Card

28
Ranked #107 of 170 in credit
creditVisa/Mastercard/AmExMid-range

Mid-range Axis lifestyle card (successor migration path for some Citi Rewards cardholders) with uncapped 5% nominal EDGE point earn rate, domestic lounge access, and dining/movie perks.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value8/100 · weight 71%
≈ 0.41% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +1.7% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, education, utilities, insurance. Reward score is scaled by ×(1 − 3.8%), 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 12%
Redemption flexibility92/100 · weight 9%
Perks46/100 · weight 9%

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
Waiver: Waived on annual spend of Rs 5 lakh (revised up from Rs 2.5 lakh); LTF for Priority Banking customers
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
apparelcashback5%—10 EDGE RP per ₹200 on apparel shopping (~1% effective)
departmental_storescashback5%—10 EDGE RP per ₹200 on department stores (~1% effective)
electronicscashback5%—10 EDGE RP per ₹200 on electronics (~1% effective)
online_shoppingcashback5%—10 EDGE RP per ₹200 on eligible online shopping MCCs (~1% effective)
all_spendspoints0.20%(1 pts @ ₹0.20)—10 EDGE points per Rs 200 spent; nominal ~5% points but Re 0.20/point actual redemption value = ~1% effective
rentcashback0%—No EDGE Rewards on rent
wallet_loadcashback0%—No EDGE Rewards on wallet loads
governmentcashback0%—No EDGE Rewards on government/tax payments
insurancecashback0%—No EDGE Rewards on insurance
utilitiescashback0%—No EDGE Rewards on utilities
educationcashback0%—No EDGE Rewards on education
fuelcashback0%—No EDGE Rewards on fuel

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

12,500 EDGE Reward Points (worth ~Rs 2,500-5,000 depending on redemption) on fee payment + first transaction within 30-60 days

Milestone benefits

Pros

  • Low fee LTF-eligible for Priority customers, decent welcome bonus relative to fee, milestone bonus achievable at moderate spend, dining and movie offers, insurance cover bundle

Cons

  • Low EDGE point redemption value (Re 0.20/point), no international lounge access, wide category exclusions on both earning and milestone spend, high 3.4%/month finance charge

What's inside

More 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.

  • 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.

  • 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.

  • EazyDiner Dining Delights

    ₹800

    Up to Rs 800 off on dining bills at partner restaurants

    Cap ₹9,600 / monthly. Min order value Rs 2,000, twice/month

  • Purchase Protection and Credit Shield

    ₹1,00,000

    Purchase Protection Plan up to Rs 1 lakh; Credit Shield Rs 1 lakh; travel document/baggage insurance

    Cap ₹1,00,000 / yearly. Standard cardholder benefit

Insurance cover

text
₹NaN

Eligibility

text
Age 18-70; net annual income Rs 6 lakh+; Indian resident

Small print

Fuel surcharge:1% fuel surcharge waiver, capped Rs 400/month, on transactions Rs 400-4,000