Axis Bank
Axis Bank Privilege Credit Card
Data last verified: 11 October 2026
- Joining fee₹1,500 + GST
- Annual fee₹1,500 + GST
- Reward rate1% on most spends
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹1,500 + GST
- Annual fee₹1,500 + GST
- Fee waiverOn ₹5 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
The Privilege card earns EDGE reward points worth about 1% of what you spend. On top of that there are milestone bonuses, movie offers, a fuel surcharge waiver and up to 2 domestic lounge visits a quarter.
It costs ₹1,500 a year plus GST, and the fee is waived when you spend ₹5 lakh in the year. That is roughly Rs 42,000 a month, so check your spend first. Below it, 1% back means you need about Rs 1.5 lakh of yearly spend just to earn the fee back in points.
It suits steady earners who spend across many categories and want one all-round card. The catch: lounge visits need Rs 50,000 of spend in the previous quarter, there is no international lounge access, and the forex fee is 3.5%.
Best for: Salaried people spending across many categories, Occasional domestic flyers, People wanting a simple all-round card.
01Axis Bank Privilege Credit Card Rewards and Benefits
02Axis Bank Privilege Credit Card Annual Fee and Charges
- Joining fee
- ₹1,500 + GST
- Annual fee
- ₹1,500 + GST
- Spend-based waiver
- Annual fee waived on ₹5 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST−₹1,770
- In your pocket each year₹630
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Spending ₹41,667 or more a month: the ₹1,770 fee is waived
- Flyers: 8 airport lounge visits a year
Skip it if…
- you spend less than ₹41,667 a month (₹5,00,000 a year, rent and wallet loads not counted): the ₹1,770 fee is then charged
- most of your spending is fuel, utility bills, rent or insurance: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- EDGE reward points worth about 1% of spend
- Up to 2 domestic lounge visits a quarter
- Lounge visits need ₹50,000 spend in the previous quarter
- Milestone bonuses and movie offers
- ₹1,500 fee waived at ₹5 lakh yearly spend
05Pros and Cons
Pros
- Same reward rate across most spends
- Domestic lounge access included
- Extra value from milestones and movie offers
Cons
- Fee waiver needs ₹5 lakh a year
- Lounge access depends on quarterly spend
- No international lounges
- 3.5% forex fee
06How Axis Bank Privilege Credit Card earns Rewards
1% on most spends.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI |
| Online shopping | 1% | No cap | The card's normal rate |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | Earns nothing | - | earns nothing on this card |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | Earns nothing | - | earns nothing on this card |
| School and college fees | Earns nothing | - | earns nothing on this card |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 10 EDGE Reward Points per ₹200 (a flat 1% in value) on domestic and international spends. 1 point ≈ ₹0.20.
Point value. 1 point is worth about ₹0.2 at the bank's stated value.
07Axis Bank Privilege Credit Card Lounge Access and Travel
Domestic lounge access is 8 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000 (fuel MCCs 5541, 5542 and 5983), capped at ₹400 a statement cycle. Fuel spends earn no EDGE Reward Points.
- Airport lounge access: 2 complimentary domestic airport lounge visits a quarter on ₹50,000 of spend in the previous 3 months; no international lounge access
- Milestone bonuses: 10,000 EDGE Reward Points (≈₹2,000) on reaching ₹2.5 lakh of annual eligible spend (rent, wallet, fuel, utilities, insurance, gold and government spends excluded)
- Movie ticket offers: 100% off a second movie ticket booked through the District app, up to ₹250 off, once a month, plus restaurant discounts through the Axis Dining Delights programme
08Axis Bank Privilege Credit Card Eligibility and Documents
- Age
- 18 to 70 years
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed)
09Recent Changes
What Axis Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Nov 2026 | Reduced: Movie offer now needs Rs 25,000 of spend in the previous 3 monthsSource: Axis Bank | Movie offer available to every cardholder, no spend condition | ₹25,000 of eligible spend in the preceding 3 calendar months |
| 22 Sept 2026 | Changed: Accor ALL returns as a transfer partner, in Group ASource: Axis Bank | Accor ALL unavailable since 2 April 2026 | Accor ALL back, in Group A |
| 22 Sept 2026 | Changed: Cathay Asia Miles, Lufthansa Miles & More and Hilton Honors addedSource: Axis Bank | None of the three available | Asia Miles in Group A; Miles & More and Hilton Honors in Group B |
| 22 Sept 2026 | Reduced: Club ITC removed as a transfer partnerSource: Axis Bank | Club ITC available | Club ITC removed |
| 22 Sept 2026 | Reduced: Flying Blue, Air India and Qantas moved into the smaller Group A transfer capSource: Axis Bank | Group B (the larger annual transfer allowance) | Group A (a quarter of the Group B allowance); ratios unchanged |
See this card's change history → · All card changes in November 2026 →
10Cards Similar to Axis Bank Privilege Credit Card
Axis Bank Privilege Credit Card is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Axis Bank Privilege Credit Card |  Federal Scapia Credit card |  SBI BPCL Credit Card |
|---|---|---|---|
| Joining fee | ₹1,500 + GST | Lifetime free | ₹499 + GST |
| Annual fee | ₹1,500 + GST | Lifetime free | ₹499 + GST |
| Rewards | 1% on most spends | 2% on most spends; 4% only at partner merchants | 0.25% base, up to 1.25% on dining; 3.25% only at partner merchants |
| Domestic lounge | 8 visits a year | Unlimited | Not included |
| Forex markup | 3.5% | 0% | 3.5% |
| Type | Rewards | Travel | Fuel |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Axis Bank Privilege Credit Card Bill
The SkyloFin app reads your bank's bill SMS, reminds you before the due date and marks the bill paid when you pay. Free on Android, and your data stays on your phone.
Common Questions
Is the ₹1,500 fee waived?
Yes, once you spend ₹5 lakh in the year. Below that the fee plus GST is charged.
How many lounge visits do I get?
Up to 2 domestic visits a quarter, if you spent ₹50,000 in the previous quarter.
What is the joining fee for the Axis Bank Privilege Credit Card?
The joining fee is ₹1,500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Axis Bank Privilege Credit Card?
The annual fee is ₹1,500 + GST.
Does the Axis Bank Privilege Credit Card give airport lounge access?
Yes. Domestic lounge access is 8 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with Axis Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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