Axis Bank Privilege Credit Card

Joining feeAnnual feeAdd-on card fee

₹0NIL (Limited period offer on Amex Network)

Fee waiver rule

Annual fee waiver on achieving spends of ₹5 lakhs in a card anniversary year.

Welcome benefit

Get 12500 EDGE REWARD points, Worth ₹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.

Reward rate

10 points per ₹200 · everyday spends10 points on every ₹200 spent on the credit card domestically/internationally.

EMI spend earning

EDGE REWARD points will be debited for credit card transactions which are converted to EMI.

Fuel earning

No reward points are earned on fuel transactions.

Government spend earning

Spends done on government MCC(merchant category codes) will not be eligible for earning EDGE REWARDS.

Insurance spend earning

Spends done on Insurance will not be eligible for earning EDGE REWARDS.

Rent earning

Spends done on rent will not be eligible for earning EDGE REWARDS.

Utilities earning

Spends done on utilities will not be eligible for earning EDGE REWARDS.

Wallet load earning

Spends done on Wallet will not be eligible for earning EDGE REWARDS.

Reward exclusions

Spends done on Insurance, rent, fuel, educational services, utilities and government MCC, Wallet, Gold & Jewelry Gift Card, Bridge Fees, Road Fees and Tolls will not be eligible for earning EDGE REWARDS.

Catalogue redemption

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

Domestic lounge access

2 Complimentary access per calendar quarter to select domestic lounges; 50K spends in prior 3 months to be eligible for access.

Dining programme

Enjoy exceptional dining experiences at top restaurants across India with the Axis Bank Dining Delights Program.

Milestone benefits

Get an additional 10,000 EDGE REWARDS points worth ₹2000 by spending ₹2.5 lakhs in a card anniversary year

Movie or entertainment ticket benefit

100% discount on your second movie ticket booked via District app; up to ₹250 off, valid once a month

Fuel surcharge waiver

1 % Fuel Surcharge Waiver on monthly fuel spends.

Credit shield cover

Credit shield ₹1 lakh

Purchase protection

Purchase Protection Plan of up to ₹1 lakh

Travel insurance

Loss Travel Document Cover upto $300; Delay of Check-In Baggage Cover upto $300; Loss of Check-In Baggage Cover upto $500

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

DCC markup fee of 3.5% plus taxes on each International transaction performed in Indian currency at International location

Cash advance fee

2.5% (Min. ₹500) of the Cash Amount.

Interest on unpaid balance

3.75% per month (55.55% per annum)

Interest-free period

The interest-free credit period could range from 20 to 50 days, depending on the date of transaction

Late payment fee

Nil if total payment due is less than ₹500; ₹500 if total payment due is between ₹501 - ₹5,000; ₹750 if total payment due is between ₹5,001 - ₹10,000; ₹1200 if total payment due is between ₹10,001 - ₹50,000; ₹1300 if total payment due is greater than ₹50,000.

Over-limit fee

Over limit-fee of 2.5% of the over-limit amount (subject to a minimum of ₹500)

Payment return or dishonour fee

2% of the payment amount subject to Min. ₹500

Statement or duplicate statement fee

Duplicate statement fee: Waived

Card replacement fee

Replacement fee: Waived

Cash payment / cash deposit fee

₹175 per payment transaction for cash payment at branches (daily limit for cash payment is ₹50,000)

Cheque payment / dishonour fee

Outstation cheque fee: Waived

Education / school fee charge

1% fee per transaction on education payments made via third party apps.

Fee on online skill-based gaming spends

1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming platforms in a statement cycle.

Reward redemption fee

Yes

Wallet load charge

1% fee on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.

What the card's fee or benefit year means

Anniversary Year is the period of 12 months from the date of issuance of the card and every 12-month period thereafter

Fuel transaction fee

1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.

Rent transaction fee

Rent surcharge fee of 1% on each rental transaction done on Axis Bank Credit Cards.

Utility transaction fee

1% fee on cumulative spends of ₹25,000 or more on utilities per statement cycle.

GST note

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

Grace days after the due date

Grace period of 3 days from the payment due date, where payments are not overdue; the customer must clear dues by the payment due date mentioned in the credit card Statement.

Minimum amount due

MAD is subject to a minimum of ₹100; if the Total Amount Due (TAD) is less than ₹100, the MAD would be equal to TAD

Minimum age

As a primary cardholder, you should be between 18 and 70 years of age.

Documents required

PAN Card photocopy or Form 97; Proof of income - Latest payslip / Form 16 / IT Return; Residence proof - Driving License / Electricity Bill / Landline Telephone Bill; Documents required may vary on a case to case basis.

Residency

You should be an Indian resident.