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Axis Bank · Mastercard, American Express

Axis Bank Privilege Credit Card

10 EDGE REWARD Points per ₹200 on eligible domestic and international spends

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SegmentPremium

Joining fee₹1,500 + applicable taxes

Annual fee₹1,500 + applicable taxes

Reward typeEDGE REWARD Points

Reward categories

Eligible domestic and international spends10 EDGE REWARD Points per ₹200

Excluded categories and EMI-converted transactions do not earn points.

District movie ticketsBuy one, get the second ticket free

Cap: Up to ₹250 once per month

Coupon AXISPRIVILEGE.

Welcome & milestones

Welcome

12,500 EDGE REWARD Points, stated by Axis as worth ₹2,500 against eligible vouchersFull ₹1,500 joining fee must be levied and the first transaction completed within 30 days; free, first-year-free and priority-segment cards are not eligible

Milestones

₹2,50,000 in a card anniversary year10,000 additional EDGE REWARD Points, stated by Axis as worth ₹2,000

Lounge rules

Domestic: 2 complimentary visits per calendar quarter after at least ₹50,000 eligible spend in the previous 3 calendar months

The spend gate is waived for the month of new-card issuance and the following three calendar months under the cited Axis lounge rules.

Exclusions

InsuranceRentFuelEducation servicesUtilities and telecomGovernment servicesWalletGold and jewelleryTransactions converted to EMI

Recent changes

2026-08-28From 28 August 2026 the dynamic currency conversion markup rises from 1.5% to 3.5%, matching this card's cross-currency markup.

Fees

Joining: ₹1,500 + applicable taxes
Annual: ₹1,500 + applicable taxes
Waiver: Annual fee reversed on ₹5,00,000 eligible spend in the previous card anniversary year; Utility & Telecom, Rent, Wallet, Government services, Insurance, Gold & Jewellery, Fuel and Education are excluded
Forex markup: 3.5% of transaction value
Fuel surcharge: 1% for fuel transactions of ₹400–₹4,000, capped at ₹400 per statement cycle; GST on surcharge is not refunded

Official sources

Axis Bank Privilege Credit Card product page

Issuer product page · checked 2026-07-28

Active application, fees, waiver, reward earn, activation and milestone benefits, fuel waiver, movie offer and lounge count.

Open source ↗

Terms and Conditions for Axis Bank Privilege Credit Card

Issuer terms PDF · checked 2026-07-28

Joining-fee and first-transaction criteria for the 12,500-point activation benefit.

Open source ↗

Axis Bank Airport Lounge Access Program

Issuer lounge-program PDF · checked 2026-07-28

Two domestic visits per quarter and ₹50,000 prior-three-month spend gate.

Open source ↗

Most Important Terms and Conditions for Axis Bank Credit Cards

Issuer MITC · checked 2026-07-30

Current cross-currency and dynamic currency conversion markups, and the notice that card terms are updated with effect from 28 August 2026.

Open source ↗

Import provenance

9cards official-source research

Imported 2026-07-28 · record axis-bank--privilege-credit-card-with-unlimited-benefits

Import notes—not lifecycle evidence

Portfolio offers and unrelated recommendation-card content were removed.

Lounge access uses the current issuer lounge-program spend gate rather than the ungated product-page headline.

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