Privilege Credit Card

Shopping voucher worth Rs.5000*

With PRIVILEGE Credit Card

Features & Benefits

Milestone Benefit

Milestone Benefit

Double the benefit upon achieving spends milestone of Rs. 2.5 lakh by converting your earned EDGE REWARD points to Multi Brand vouchers* worth twice the value.

Click here for Milestone Benefit for detailed terms and conditions.

Annual Benefits

Annual Benefits

Annual fees of Rs 1500 will be reversed on achieving spends* of Rs 2.5 lakhs in the previous card anniversary year.

Spends threshold for Annual Fee Reversal will exclude rent and wallet transactions. The Merchant Category Code of Rent is 6513 and Wallet is 6540. This revision is effective from 05-03-2023.

Access numerous airport lounges

Access numerous airport lounges

2 Complimentary access per calendar quarter to select domestic lounges with Axis Bank Privilege credit card.

For complete list of lounges, please click here For complete list of lounge.

Dining Delights

Dining Delights

Get the best of dining experiences with Rs 1000* off & more via Axis Bank Dining Delights Program with EazyDiner.

Click here for more information and complete T&Cs. for more information and complete T&Cs.

Fuel up and get a waiver on surcharge

Fuel up and get a waiver on surcharge

Fuel surcharge refund on spends at all fuel stations across India with a Privilege Credit Card from Axis Bank.

  • Valid on transactions between Rs. 400 and Rs. 4,000 only
  • Service tax charged on fuel surcharge is non-refundable. No reward points are earned on fuel transactions
  • Maximum benefits upto Rs 400 per statement cycle
  • The fuel surcharge is not levied by the card issuing bank, on certain fuel transactions, the fuel surcharge may be levied as INR 10 + GST instead of 1% + GST.
Earn Axis EDGE REWARDS

Earn Axis EDGE REWARDS

Axis EDGE REWARD points for transactions and 500+ rewards and offers to redeem points. Earn points for these transactions:

  • 10 points on every Rs. 200 spent on the credit card domestically/internationally
  • Spends done on Insurance, rent, fuel, educational services, utilities and government MCC(merchant category codes) will not be eligible for earning EDGE REWARDS.

For options to redeem points, check the Axis EDGE REWARDS Catalogue.

Keep yourself , your family and assets safe

Keep yourself , your family and assets safe

  • Purchase Protection Plan upto Rs. 1 Lakhs
  • Credit Shield 1 Lakhs
  • Loss Travel Document Cover upto 300 USD
  • Delay of Check-In Baggage Cover upto 300 USD
  • Loss of Check-In Baggage Cover upto 500 USD

Terms and Conditions apply. Click here for detailed Cover and Claim Procedure for detailed Cover and Claim Procedure.

Activation Benefit

Activation Benefit

Get 12500 EDGE REWARD Points, redeemable against Multi Brand Vouchers* worth Rs 5000 upon levy of joining fees and on completion of 1st transaction within 30 days of card setup.
For Priority Banking customers (No joining fees), 6250 EDGE REWARD Points, redeemable against Multi Brand vouchers* worth Rs 2500 on completion of 1st transaction within 30 days of card setup.
Click here for EDGE REWARDS points for detailed terms and conditions.

Fees & Charges

In Privilege Credit Card fees, overdue penalty, fee on cash payment, etc. are applicable as per terms and conditions. However, fees and charges for Privilege Credit Card are waived for services like mobile alerts. The detailed fee structure is provided below.

PRIVILEGE CREDIT CARDCHARGES
Standard Joining FeeRs. 1500 (Nil for Priority Customers only)
Standard Annual Fee (2nd year onwards)Rs. 1500
Standard Add-on Card Joining FeeNil
Standard Add-on Card Annual FeeNil
Finance Charges (Retail Purchases & Cash)3.6% per month (52.86% per annum)
Cash Withdrawal Fees2.5% (Min. Rs. 500) of the Cash Amount
Fee for Cash PaymentRs. 100
Card Replacement Nil
Duplicate Statement FeeWaived
Overdue Penalty or Late Payment FeeNil if Total Payment Due is less than Rs. 500
Rs. 500 if total payment due is between Rs. 501 - Rs. 5,000
Rs. 750 if total payment due is between Rs. 5,001 - Rs. 10,000
Rs. 1200 if total payment due is greater than Rs.10,000
Over Limit Penalty2.5% of the overlimit amount (Min. Rs. 500)
Charge Slip Retrieval Fee or Copy Request FeeWaived
Outstation Cheque FeeWaived
Cheque return or dishonor fee or auto-debit reversal2% of the payment amount subject to Min. Rs.450, Max. Rs. 1,503
Surcharge on purchase or cancellation of Railway TicketsAs prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee3.50% of the transaction value
Rent Surcharge Fee* 1% of the rental txn amount (capped at Rs 1500 per txn)x
Dynamic Currency Conversion markup fee** 1% of each international txn plus taxes
Mobile Alerts for TransactionsWaived
Hotlisting ChargesWaived
Balance Enquiry ChargesWaived
Reward Redemption feeyes

GST, as notified by the Government of India, is applicable on all fees, interest & other charges, and is subject to change as per relevant regulations of the Government of India.


*A rent surcharge fee of 1% capped at INR 1,500 per transaction will be applicable on each rental transaction done on Axis Bank Credit Cards. GST will be applicable as notified by Government of India. The Rent transactions will be identified through Merchant Category Code 6513. The revision is effective from 05-03-2023.


**A Dynamic Currency Conversion (DCC) markup fee of 1% plus taxes will be applicable on Axis Bank Credit Cards for each International transaction performed in Indian currency at International location or transactions performed in Indian currency with merchants located in Indian but registered in foreign nation. DCC markup fee will not be applicable on Burgundy Private Credit Card. The revision is effective from 05-03-2023.

Check your eligibility for Axis Bank Privilege Credit Cards

Eligibility

Primary Cardholder should be 18-70 years of age

Primary Cardholder should be 18-70 years of age

Add-on cardholder should be over 15 years

Add-on cardholder should be over 15 years

Resident of India or a Non-Resident Indian

The individual should be a Resident of India

*The above criteria are only indicative. The bank reserves the right to approve or decline applications for credit card.

Documentation

PAN Card photocopy or Form 60

PAN Card photocopy or Form 60

Proof of income

Proof of income

Latest payslip / Form 16 / IT Return
Residence proof

Residence proof

Driving License / Electricity Bill / Landline Telephone Bill
*The above list is only indicative. Documents required may vary on a case to case basis.

Value Chart

Privilege Credit Card Value Chart* on Annual Spends of Rs.2,75,000
Benefits of the Privilege Credit CardAnnual Spends Amount (Rs.)Savings Amount (Rs.) Value of the Axis eDGE Reward Points if redeemed against Shopping or Travel vouchers
Shopping or Travel vouchers** on welcome Rs.5000 
Complimentary access to selected lounges affiliated with Mastercard,
2 times in calendar quarter (if offer availed once every quarter)**
 Rs.6000 
Rewards on Annual Spends Rs. 250,000  Rs. 5,000
25% discount upto Rs 800 at select Fine dining restaurants using Axis Bank Exclusive Dining Program with EazyDiner Rs. 16,000 Rs. 3,200 
1 % Fuel Surcharge Waiver on monthly fuel spends ^^^^Rs. 25,000 Rs. 250 
Sub Total Rs. 14,450Rs.5,000
Total Annual Savings^Rs. 19,450 .00

Total Benefits on the Axis Bank Privilege Credit Card is more than 27600 (value chart is only for illustrative purpose)


**This is based on the assumption that the customer visits the lounge once every quarter. The cost for a lounge visit is assumed at Rs.1500


^^^ This is based on the assumption that the customer will visit the Dining Delight Restaurants at least twice every quarter. For details on the Dining Delight offers, please visit https://www.axisbank.com/grab-deals/online-offers/offer-detail/dining-delights-axis-bank-exclusive-program-with-eazydiner.


^^^^ Valid on transactions between Rs.400 and Rs.4000 only. GST charged on fuel surcharge is no-refundable. No reward points are earned on fuel transactions.


^ The Redemption Value Of Each Axis Edge Reward Points = Rs.0.40 (If Redeemed For Shopping or Travel vouchers*)

 

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