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

Axis Prestige Debit Card

29
Ranked #24 of 66 in debit
debitVisaMid-Premium

Axis Bank's mid-premium debit card for Prestige account holders, offering an unusually generous debit-card cashback structure across travel/shopping/fuel plus lounge access, dining discounts, and strong insurance coverage.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value12/100 · weight 71%
≈ 0.59% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks19/100 · weight 9%

Fees

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

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Not detailed as waivable; standard fee applies
Forex markup
3.5%

Lounge access

Domestic (per year)
4
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
all_spendspoints0.50%(2 pts @ ₹0.25)—2 EDGE Points per Rs 200 spent
fuelcashback2%₹200 / monthly2% cashback on fuel purchases above Rs 1000

Welcome offer

None specified

Milestone benefits

Pros

  • Genuine cashback structure (3% travel, 2% shopping, 1% fuel, capped Rs500/month, min Rs1,000 txn) — unusual for a debit card
  • BOGO movie tickets
  • EazyDiner dining discount
  • solid insurance (Rs1Cr air accident)

Cons

  • Requires Prestige account relationship
  • lounge access limited to Prestige Salary Account holders specifically (not all Prestige account types)
  • Rs1,000 minimum transaction for cashback eligibility

Insurance cover

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₹NaN

Eligibility

text
Requires Axis Bank Prestige account

Small print

Fuel surcharge:1% cashback on fuel transactions (part of the combined cashback structure)