customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
meter
  • Home /
  • Credit Card /
  • Axis Bank Credit Card /
  • Privilege Credit Card
    • Image of Axis Bank Privilege Credit Card
    Axis Bank

    Axis Bank Privilege Credit Card

    cat name Rewards
    cat name Online Shopping
    3.5/5.0

    Rewards3.5/5

    Lounge Access3.0/5

    Dining Benefits3.0/5

    Welcome Benefits3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹1,500* Plus Applicable Taxes

    Rewards

    Rewards

    Uncapped reward points across card spends

    Dining Offer

    Dining Offer

    Up to Rs. 800 off on dining via EazyDiner

    Lounge Access

    Lounge Access

    Up to 8 free domestic lounge visits per year

    Updated on January 7, 2026 11:32 am

    Author: Lepakshi Phogat

    Find Best Credit Card Offers

    It hardly takes 2 minutes

    +91 0 /10 Digits

    Don't worry, this will not affect your credit score

    The entered number doesn't seem to be correct

    By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
    Please accept the undertaking to proceed further

    About The CardRewards ProgramOther Features & BenefitsFees & ChargesThings to KnowCard Review

    About Axis Privilege Credit Card

    Axis Bank Privilege, unlike other rewards credit cards, extends rewards benefits to not just selected brands or categories, but across all domestic and international transactions. This rewards benefit is not restricted by any monthly capping either. Additionally, bonus EDGE Rewards as welcome and milestone benefits add to the overall savings you can earn through rewards. Redeemable against a variety of options, these EDGE Reward points, however, come with a low redemption value which might raise a concern for the cardholders. Though primarily focused on rewards benefits, the card features also include dining discount offers and complimentary lounge access. Read on to know in detail about the features of this Axis Bank Credit Card.

    Note: This credit card is also available on the American Express network with some additional benefits. Click here to know more.

    Welcome Benefit & Rewards Program

    Welcome Benefit

    • 12,500 EDGE Reward points worth Rs. 2,500 on making the 1st spend within 30 days of card issuance and paying the joining fee1

    Reward Earning

    • Reward Rate: 10 EDGE Reward points for every Rs. 200 spent2

    Reward Redemption

    • Redemption Value: 1 EDGE Reward point = Up to Rs. 0.20
    • Redemption Option: You can opt for redemption against the products/ vouchers available in the Axis EDGE Rewards Catalogue or points-to-mile conversion

    Apply Online for a Credit Card Now!

    Image of null
    As compared to other popular rewards credit cards, such as SBI Card PRIME and HDFC Regalia Gold, where cardholders would get accelerated earning on only select categories, Axis Bank Privilege provides a good reward rate across all transactions. Moreover, there is no capping on reward earnings, so you can earn unlimited EDGE Reward points, depending on your spends. However, the redemption value of up to Rs. 0.20 per reward point is quite low because of which the value-back you earn through rewards sums up to be just 1%.
    Image of null

    Other Features and Benefits

    In addition to rewards and welcome benefits, Axis Privilege offers more saving opportunities for the cardholders through milestone benefit, dining discount, lounge access and more.

    • Milestone Benefit: Additional 10,000 EDGE Reward points worth Rs. 2,000 on reaching Rs. 2.5 lakh annual spends.
    • Lounge Access: 2 complimentary domestic airport lounge visits per quarter on spending min. Rs. 50,000 during the previous 3 months.
    • Dining Discount: Up to Rs. 800 off on dining bills at partner restaurants via EazyDiner under the Axis Bank Dining Delights program.
    • Movie Benefit: Buy 1 Get 1 Offer on movie tickets using District app, capped at Rs. 250, once a month3.

    View More

    Fees and Charges

    Particulars Amount
    Joining Fee Rs. 1,500 + Taxes (Nil for Amex network)
    Annual Fee Rs. 1,500 + Taxes (Nil for Amex network)
    Finance Charges 3.75% p.m. (55.55% p.a.)
    Rewards Redemption Fee Nil
    Late Payment Charges
    For Statement Balance:
    Up to Rs. 500: Nil
    Rs. 501 to Rs. 5,000: Rs. 500
    Rs. 5,001 to Rs. 10,000: Rs. 750
    More than Rs. 10,000: Rs. 1,200

    Things to Know Before you apply

    Get this card if:

    You want a card with uncapped reward benefits without any merchant restrictions

    You do not mind a low rewards value-back rate of just 1%

    You are satisfied with the card benefits primarily targeting domestic spends only

    You can maximise your value-back by satisfying the spending condition for milestone bonus and lounge access

    Similar Cards

    Paisabazaar Review

    Overall Rating

    3.5/5

    Rewards3.5/5

    Lounge Access3.0/5

    Dining Benefits3.0/5

    Welcome Benefits3.5/5

    What do we like about this card?

    Axis Privilege Credit Card comes with uncapped reward points on all card spends which can not only be redeemed against the reward catalogue but also be used for points-to-miles conversion. While this card is offered as a lifetime free card for select channels/ users, the paid card version comes with a joining bonus worth Rs. 1,000 more than the card fee, instead of merely matching the fee value. Additional reward points worth Rs. 2,000 as milestone bonus can be easily availed even by an average spender and the dining discount, along with free lounge visits, increase the overall value-back that this card offers.

    Pros

    • Unlimited reward points on card spends
    • Welcome benefit is worth more than the joining fee
    • 10,000 EDGE Reward points as milestone bonus with easily achievable spend-based condition
    • Dining discount offered through EazyDiner
    • Up to 8 free visits to domestic airport lounges every year

    Cons

    • Low reward redemption value
    • Spending condition applicable on complimentary airport lounge access
    • No significant benefits on international spends or any other lifestyle categories
    meter

    Footnotes

    1. Not applicable on 1st year free or lifetime-free cards.
    2. Spends made on fuel, rent, utilities, insurance, gold, government and educational services will not accrue any EDGE Reward points.
    3. Use coupon code AXISPRIVILEGE to avail this benefit.

    Click here to know More Terms and Conditions

    Lepakshi Phogat linkedIn icon

    Content Writer

    Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.

    Trending Articles on Credit Cards

    View All Articles
    img
    Best Railway Lounge Access Credit Cards in India 2026
    img
    Shruti Sharma
    9 Dec 2025
    img
    Best Credit Cards for Airport Lounge Access in India 2026
    img
    Shruti Sharma
    1 Dec 2025
    img
    Best Low Interest Credit Cards in India 2026
    img
    Shruti Sharma
    20 Nov 2025

    Explore other Card Categories

    cat name Memberships
    cat name Travel
    cat name Lounge Access
    cat name Golf
    cat name Dining
    cat name Online Grocery
    cat name Premium
    cat name Shopping
    cat name Milestone Benefits
    cat name Co-branded
    cat name Brand Discount
    cat name Online Dining
    cat name Online Travel
    cat name Welcome Benefit
    cat name Offline Grocery
    cat name Offline Movies
    cat name Offline Dining
    cat name Movies
    cat name Online Movies
    cat name Lifetime Free
    cat name Rewards
    cat name Cashback
    cat name Fuel
    cat name Offline Travel
    cat name Offline Shopping
    cat name Online Shopping
    cat name Fee Waiver
    cat name Renewal Benefit

    Explore Cards from Leading Issuers

    HSBC Bank HDFC Bank SBI Cards American Express ICICI Bank Kotak Mahindra Bank Axis Bank Standard Chartered Bank YES BANK RBL Bank IndusInd Bank IDFC FIRST Bank AU Small Finance Bank Federal Bank BOBCARD Punjab National Bank SBM Bank Canara Bank Equitas Small Finance Bank IDBI Bank Indian Bank DBS Bank Bank of India
    icon

    Check eligibility for best credit cards

    Check Eligibility
    meter
    Menu