Axis Bank Privilege Easy Credit Card

Annual fee

₹1,500 a year.

Joining fee

₹1,500 to join.₹1500 (Nil for Priority Customers only)

Fee waiver rule

Annual fees of ₹1,500 will be reversed on achieving spends of ₹5 lakhs in the previous card anniversary year

Add-on card fee

₹0Nil

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.

Reward rate

10 Axis EDGE REWARDS on every ₹200 spent.

Reward exclusions

No reward points are earned on fuel transactions.

Domestic lounge access

Two complimentary access per calendar quarter to select domestic airport lounges with Axis Bank Privilege Easy Credit Card.

Milestone benefits

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

Movie or entertainment ticket benefit

Enjoy 100% discount on your second movie ticket booked via District app.

Fuel surcharge waiver

1 % Fuel Surcharge Waiver on monthly fuel spends.

Credit shield cover

Credit Shield of ₹1 lakh.

Purchase protection

Purchase Protection Plan up to ₹1 lakh

Travel insurance

Loss Travel Document Cover upto $300 · Delay in Check in baggage cover up to $300 · Loss of Check-In Baggage Cover upto $500

Purchase to EMI conversion

Contact the bank to convert a big Credit Card purchase over ₹2,500 into EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% of each international transaction plus taxes

Cash advance fee

2.5% (Min. ₹500) of the cash amount.

Interest on unpaid balance

3.40% per month (49.36% per annum)

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

Nil if outstanding amount is less than ₹500; ₹500 if outstanding amount is between ₹501 and ₹5,000; ₹750 if outstanding amount is between ₹5,001 and ₹10,000; ₹1200 if total payment due is between ₹10001 - ₹50000; ₹1300 if total payment due is greater than ₹50000.

Over-limit fee

2.5% of the overlimit amount (Min. ₹500)

Payment return or dishonour fee

2% of the payment amount subject to Min. ₹500 on a cheque return, dishonor or auto-debit reversal

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

Waived

Wallet load charge

1% fee on cumulative wallet load spends of ₹10,000 or more 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 fuel spends of ₹50,000 or more per statement cycle.

Rent transaction fee

1% of the rental transaction amount.

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 and other charges, and is subject to change as per relevant regulations

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

A Fixed Deposit at any Axis Bank branch, minimum ₹65,000 and maximum ₹25,00,000; minors are not eligible for the card