Card Details
Axis Bank Privilege Credit Card
Monzy Score
7/ 10
Good for lounge-hungry travellers.
~2.0% back on top spends; high 3.5% forex markup.
Card Issuer
Axis Bank
Joining Fee
₹1,500
Annual Fee
₹1,500
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Offers from Axis Bank
See all8% instant discount up to ₹4,500* on Flipkart
Shopping Deals · till 12 Sep 2026
Up to 12% instant discount up to ₹5,000 on Paytm Flights
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on ixigo
Travel Deals · till 15 Sep 2026
Up to 12% instant discount up to ₹5,000 on Yatra
Travel Deals · till 15 Sep 2026
Get instant discount up to ₹15,000* at Apple authorised reseller stores
Electronics Deals · till 26 Sep 2026
Earn Points
10 pts
/₹200 on eligible retail spends
Benefits
10 pts/₹200 with welcome & milestone boosts
- Uncapped EDGE Rewards
- Earn 10 EDGE points per ₹200 on everyday spends
- Get 12,500 welcome points worth about ₹2,500
- Hit ₹2.5 lakh annual spends for 10,000 bonus points
- Exclusions like fuel, rent, utilities, wallets, insurance and government payments earn no points
2 domestic lounge visits/quarter after ₹50k spends
- Domestic lounge access
- Up to 8 complimentary domestic lounge visits a year
- Spend ₹50,000 in the prior 3 months to stay eligible
- No international lounge access
1% fuel surcharge waiver
Buy 1 get 1 movie offer via District
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, gold_jewellery, government
Estimated Returns
All eligible spends
10 EDGE points per Rs 200 (~1% value) on domestic and international spends. EDGE point ~Rs 0.20.
₹300
Total Annual Return
₹3,600
1% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“Should I apply for Axis Bank privilege credit card LTF?”
by r/CreditCardsIndia, Jul 2025
“Axis Bank Privilege Credit Card Now Officially Lifetime Free”
by r/CreditCardsIndia, Jul 2025
“Got my Axis Amex Privilege ( pre-approved ) today , even”
by r/CreditCardsIndia, Jul 2025
“Has anyone got their hands on Axis AMEX privilege”
by r/CreditCardsIndia, Jul 2025
“Axis Amex privilege as my first cc?”
by r/CreditCardsIndia, Apr 2026
Frequently Asked Questions
The AXIS BANK PRIVILEGE Credit Card charges ₹1,500 plus GST as a joining fee and the same ₹1,500 again at renewal. Axis Bank waives the renewal fee if you spend ₹2.5L in the previous year, which is about ₹20,833 a month. If your card spend sits below that, treat ₹1,500 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
Welcome benefit of 12,500 EDGE REWARD Points is redeemable for vouchers worth ₹2,500, not direct cashback.
Fuel, rent, utilities, wallets, insurance, government, education, telecom and gold/jewellery transactions do not earn EDGE points or count toward milestones.
No reward points on fuel transactions
Domestic lounge access each quarter requires ₹50,000 spends in the preceding three months.
