Axis Bank Privilege Credit Card

The terms and conditions of Axis Bank Privilege Credit Card will be updated w.e.f. 20th April '24. Please click here to know more

Milestone Benefit

Get additional 10,000 Edge reward points worth Rs. 2000 upon achieving spends milestone of Rs. 2.5 lakhs in a card anniversary year.

Click here for detailed terms and conditionsfor detailed terms and conditions.

Access numerous airport lounges

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

50K spends in prior 3 months to be eligible for access

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

Dining Delights

Get the best of dining experiences with Rs.800* 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 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.
Only applicable for fuel MCC 5541, 5542, 5983

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.
EDGE REWARD Points will be debited for credit card transactions which are converted to EMI. On cancellation of the EMI transaction, points shall not be credited back for the original transaction.

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

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

Get 12500 EDGE REWARD Points, Worth Rs 2500 redeemable against vouchers upon levy of joining fees and on completion of 1st transaction within 30 days of card issuance.
Free cards, first year free cards, and priority segment customers are not eligible for this benefit.
Click here for EDGE REWARDS points for detailed terms and conditions.

Wednesday Delight

Beat the mid-week blues with exciting offers every Wednesday

Instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip
10% off on orders via Swiggy and Amazon Fresh
10% off upto Rs. 1000 on Tira

Click here to avail the offers

For any details regarding Amex Privilege specific offers, please Click here

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 CARD	CHARGES
Standard Joining Fee	Rs. 1500
Standard Annual Fee (2nd year onwards)	Rs. 1500
Standard Add-on Card Joining Fee	Nil
Standard Add-on Card Annual Fee	Nil
Finance Charges (Retail Purchases & Cash)	3.75% per month (55.55% per annum)
Cash Withdrawal Fees	2.5% (Min. Rs. 500) of the Cash Amount
Fee for Cash Payment	Rs. 175
Card Replacement	Nil
Duplicate Statement Fee	Waived
Overdue Penalty or Late Payment Fee	Nil 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 Additional INR 100 on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be applicable for every payment cycle until MAD is cleared.
Over Limit Penalty	2.5% of the overlimit amount (Min. Rs. 500)
Charge Slip Retrieval Fee or Copy Request Fee	Waived
Outstation Cheque Fee	Waived
Cheque return or dishonor fee or auto-debit reversal	2% of the payment amount subject to Min. Rs.500
Surcharge on purchase or cancellation of Railway Tickets	As prescribed by IRCTC/Indian Railways
Fuel Transaction Surcharge	1% of transaction amount (Refunded for fuel transactions between Rs. 400 and Rs. 4000)
Foreign Currency Transaction Fee	3.50% of the transaction value
Rent Surcharge Fee*	1% of the rental txn amount
Wallet load transaction fee	1% fee on cumulative spends of Rs.10,000 or more on wallet loads per statement cycle
Fuel transaction fee	1% fee on cumulative spends of Rs.50,000 or more on fuel transactions per statement cycle
Education transaction fee	1% fee on education payments made via third party apps
Utility transaction fee	1% fee on cumulative spends of Rs. 25,000 or more on utilities per statement cycle
Online skill-based gaming transaction fee	1% fee on cumulative spends of Rs. 10,000 or more on online skill-based gaming platforms in a statement cycle
Dynamic Currency Conversion markup fee**	1.5% of each international txn plus taxes
Mobile Alerts for Transactions	Waived
Hotlisting Charges	Waived
Balance Enquiry Charges	Waived
Reward Redemption fee	yes

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% 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 20-12-2024.

**A Dynamic Currency Conversion (DCC) markup fee of 1.5% 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 20-12-2024.

Check your eligibility for Axis Bank Privilege Credit Cards

Eligibility

Primary Cardholder should be 18-70 years of age

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

Proof of income

Latest payslip / Form 16 / IT Return

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.

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Value Chart

PRIVILEGE CREDIT CARD VALUE CHART* ON ANNUAL SPENDS OF RS.2,91,000
Benefits of the Privilege Credit Card	Annual 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. 2500
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. 2000
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.9450	Rs.4500
Total Annual Savings^	Rs. 13,950.00

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.

^^^^ 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.