Axis Bank Pride Signature Credit Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns points
First-year fee
₹0
Annual fee
1st Year: Nil; 2nd Year onwards: ₹500 (Waived on spends of ₹40,000 in the preceding year)
What it gives back
8 points for every ₹200 spent through your Credit Card.
How it compares
Compared with the cards we have read
Fees
Annual fee
1st Year: Nil; 2nd Year onwards: ₹500 (Waived on spends of ₹40,000 in the preceding year)
Joining fee
₹0
Fee waiver rule
2nd Year onwards: ₹500 (Waived on spends of ₹40,000 in the preceding year)
Add-on card fee
Add-on card joining fee Nil; Add-on card annual fee Nil.
Rewards
Reward rate
8 points for every ₹200 spent through your Credit Card.
Catalogue redemption
500+ rewards and offers to redeem EDGE REWARD Points; for options to redeem points, check the EDGE REWARDS Catalogue.
Card benefits
Domestic lounge access
2 complimentary visits to select airport lounges within India per calendar quarter.
Hotel or travel programme
Exciting offers every Wednesday: instant savings of up to 15% on flights & hotels via Goibibo and Makemytrip.
Dining programme
15% off up to ₹500, minimum order value ₹2500, valid once per card per month.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on all fuel transactions in India; valid on transactions between ₹400 and ₹4,000 only; GST charged on fuel surcharge is non-refundable.
Lost card liability
Zero lost card liability: you are protected against any fraudulent use of your card from the moment the loss is reported. Terms and Conditions apply; for details, refer to Card Member Agreement clause no. 18.
Add-on card eligibility
Add-on cardholder should be over 18 years.
Charges
Forex markup
3.5% on foreign currency transactions.3.50% of the transaction value
Dynamic currency conversion markup
3.5% + GST3.5% plus taxes on each international transaction performed in Indian currency at international location or with merchants registered in a foreign nation
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
20 to 50 days interest-free when you pay in full.
Late payment fee
Nil if total payment due is up to ₹500; ₹500 if between ₹501 and ₹5,000; ₹750 if between ₹5,001 and ₹10,000; ₹1,200 if between ₹10,001 and ₹50,000; ₹1,300 if greater than ₹50,000
Over-limit fee
Over-limit Fees: 2.5% of Over-limit Amount (Min ₹500).
Payment return or dishonour fee
Cheque Return or Dishonour Fee or Auto Debit Reversal: 2% of payment amount; minimum ₹500.
Statement or duplicate statement fee
Duplicate Statement Fee: Waived
Card replacement fee
Replacement fee: Waived
Cash payment / cash deposit fee
Fees for Cash Payment at Branches: ₹175.
Education / school fee charge
Education Transaction Fee: 1% on each Education Payments made via third party apps for all Axis Bank credit cards.
Fee for paying the bill by cheque
Outstation cheque fee: Waived
Fee on online skill-based gaming spends
Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more on online skill-based gaming platforms i.e. in a statement cycle.
Wallet load charge
Wallet Load Transaction Fee: 1% 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 Transaction fee: 1% of each Rental Transaction Amount for all Axis Bank Credit Cards.
Utility transaction fee
Utility Transaction Fee: 1% 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 and 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
Sum of all instalments, all Fees, interest / finance charges, taxes, the amount utilized over the credit limit (if any) and 2% of remaining balance outstanding, subject to a minimum of ₹100
Eligibility
Age the primary cardholder must be
18 to 70 years
Ways to redeem your points
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
Effective 1st Oct 2025, unredeemed EDGE REWARD Points/Miles are forfeited 30 days after credit card closure, or if the minimum amount due remains outstanding for more than 90 days
Whether carrying a balance ends the interest-free period
The Free Credit Period is lost if the Total Amount Due of the previous month is not paid by the Payment Due Date.
How we know - 6 documents from Axis Bank, checked 8 Nov 2026
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