Question 1

What is the annual fee on the AXIS BANK PRIVILEGE Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the AXIS BANK PRIVILEGE Credit Card?

Accepted Answer

You earn 10 points per ₹200 on all other. Each point is worth about ₹0.2 when you redeem it well, so ₹10,000 of top category spend gives you 500 points, roughly ₹100, which is about 1% back. Fuel, Insurance, Gold/Jewelry, Wallet earn nothing at all.

Question 3

Does the AXIS BANK PRIVILEGE Credit Card give free airport lounge access?

Accepted Answer

The AXIS BANK PRIVILEGE Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. There is no prior spend requirement on paper, though Axis Bank has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the AXIS BANK PRIVILEGE Credit Card recently and is it still worth it in 2026?

Accepted Answer

gained monthly BOGO movie (Jun 2025) but exposed to Apr 2026 cuts. The changes are dated Jun 2025; Apr 2026. At ₹2.5L of yearly spend the card returns roughly ₹2,500 at its general rate of about 1%, against a ₹1,500 renewal fee. Keep it if you clear the ₹2.5L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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