Credit Card Compare

Axis Bank Privilege Credit Card

Data last updated 27 October 2026
45.00%
Purchase rate
₹0
Annual fee
12,500
Bonus points

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Application

CardIQ

50Fair

Fair

Overall score, out of 100 · How this works

  • Airport lounge50
  • Lifetime free64
  • Rewards44
  • Sign-up bonus34
  • Travel57

Customer reviews

No reviews yet. Be the first to review the Axis Bank Privilege Credit Card.

Pros & cons

What's good

  • 12,500 bonus points to start, worth around ₹2,500 at our ₹0.2-per-point valuation.
  • No annual fee.
  • Complimentary airport lounge access (8 visits a year).
  • No fee to add an additional cardholder.

Worth noting

  • Currently ₹NIL (Limited period offer on Amex Network). Standard fee is ₹1,500 joining and ₹1,500 annual from 2nd year onwards, waived on spends of ₹5 lakhs in the preceding card anniversary year. GST applicable on all fees. Add-on card joining and annual fee: Nil.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
American Express
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Rewards

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Indian resident
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
MAD is computed as the 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

Balance transfers

This card has no promotional balance transfer offer.

Introductory purchase offer

This card has no introductory purchase rate offer.

Rewards

Earn rate

Everyday spend
10 EDGE REWARD Points per ₹200
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
1st transaction within 30 days of card issuance
Sign-up bonus
12,500 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 94 cards)
Interest-free days50 daysTop 10% (9th of 79 cards)
Sign-up bonus₹2,500Top 25% (5th of 38 cards)
Rewards value₹5,400 a yearTop 25% (9th of 64 cards)
Purchase rate45.00%Top 25% (22nd of 94 cards)
Overseas fee3.50%Better than most (34th of 94 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
Credit card statistics for IndiaHow CardIQ scores cards
Issuer
Axis Bank