Question 1

What is the annual fee on the Privilege Easy Credit Card and how do you get it waived?

Accepted Answer

The Privilege Easy 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 ₹5L in the previous year, which is about ₹41,667 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 Privilege Easy 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.

Question 3

Does the Privilege Easy Credit Card give free airport lounge access?

Accepted Answer

The Privilege Easy 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 Privilege Easy Credit Card recently and is it still worth it in 2026?

Accepted Answer

Axis portfolio-wide: reward-point forfeiture on closure (Oct 2025), MCC-name exclusion redefinition (Jun 2025), Apr 2026 portfolio devaluation. The changes are dated Oct 1, 2025; Apr 2, 2026. At ₹5L of yearly spend the card returns roughly ₹5,000 at its general rate of about 1%, against a ₹1,500 renewal fee. Keep it if you clear the ₹5L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Privilege Easy Credit Card

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