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Axis Bank Privilege Credit Card

✍️ Fact-checked by Parash Editorial • 🔄 Updated April 2026
Axis Bank Visa Mid

Join / Annual

₹0/₹1500

Base Rate

5.0%

Reward Type

Points

Overview

The Axis Bank Privilege Credit Card is a Mid credit card issued by Axis Bank on the Visa network. It offers a base reward rate of 5.0% on all spends, with rewards issued as Points(1 pt = ₹0.2).

Annual Fee: ₹1,500
Eligibility: Minimum net income of ₹6 Lakhs per annum.

Reward Rates & Cashback Rules

  • CATEGORY – Other: 5.0% cashback ⚠️ Excludes Fuel, Insurance, Rent, Wallet Loads, EMI, and Gold/Jewellery.
  • CATEGORY – Fuel: 0.0% cashback
  • CATEGORY – Insurance: 0.0% cashback
  • CATEGORY – Rent: 0.0% cashback
  • CATEGORY – Wallet Load: 0.0% cashback
  • CATEGORY – EMI: 0.0% cashback
  • CATEGORY – Jewellery: 0.0% cashback ⚠️ Applies to MCC codes 5094 and 5944.

Key Features & Benefits

  • Welcome Benefit 🎁: 12,500 EDGE Reward Points (worth ₹2,500 in vouchers) upon payment of joining fee and completion of the first transaction within 30 days.
  • Milestone Benefit 🏆: 10,000 EDGE Reward Points (worth ₹2,000 in vouchers) on achieving annual spends of ₹2.5 lakh.
  • Airport Lounge Access ✈️: 2 complimentary domestic lounge visits per quarter, subject to spending a minimum of ₹50,000 in the previous three months.
  • Movie Benefit 🎬: Buy One, Get One free on movie tickets via the District app, with a maximum discount of ₹250 per month.
  • Dining Benefit 🍽️: Up to 25% off (up to ₹800) at partner restaurants via the EazyDiner program.
  • Fuel Surcharge Waiver ⛽: 1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per month.

Eligibility Criteria

Minimum net income of ₹6 Lakhs per annum.

Features & Benefits

🎁

Welcome Benefit

12,500 EDGE Reward Points (worth ₹2,500 in vouchers) upon payment of joining fee and completion of the first transaction within 30 days.

🏆

Milestone Benefit

10,000 EDGE Reward Points (worth ₹2,000 in vouchers) on achieving annual spends of ₹2.5 lakh.

✈️

Airport Lounge Access

2 complimentary domestic lounge visits per quarter, subject to spending a minimum of ₹50,000 in the previous three months.

🎬

Movie Benefit

Buy One, Get One free on movie tickets via the District app, with a maximum discount of ₹250 per month.

🍽️

Dining Benefit

Up to 25% off (up to ₹800) at partner restaurants via the EazyDiner program.

⛽

Fuel Surcharge Waiver

1% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹400 per month.

Cashback Engine Rules

The exact calculator logic parameters extracted from the terms & conditions.

Other
Reward: 5.0%
⚠️ Exceptions: Excludes Fuel, Insurance, Rent, Wallet Loads, EMI, and Gold/Jewellery.
5%
Fuel Exclusion
Insurance Exclusion
Rent Exclusion
Wallet Load Exclusion
EMI Exclusion
Jewelry Exclusion
⚠️ Exceptions: Applies to MCC codes 5094 and 5944.

Pros & Cons

✓

Pros

  • + Other — 5.0% Points
  • + Welcome Benefit
  • + Milestone Benefit
  • + Airport Lounge Access
  • + Movie Benefit
✗

Cons

  • − No reward on Fuel
  • − No reward on Insurance
  • − No reward on Rent
  • − No reward on Wallet Load
  • −Forex markup of 3.5% on international spends

Our Verdict

₹ Real Value Calculation (assumed ₹3L/year spend)

Est. Annual Rewards

₹15000

Annual Fee

₹1500

Net Value

+₹13500

✅ At ₹3L/year spend, base rewards alone cover the fee. Additional benefits like lounge access add further value.

👍 Best For

  • › Regular earners with ₹50k–₹1.5L monthly spends
  • › Those seeking a balance of rewards and moderate fees

👎 Not Worth It If…

  • › You spend heavily in foreign currency — 3.5% markup adds up fast
  • › You rarely use premium benefits like lounges or concierge
  • › You prefer a no-annual-fee card with simpler terms

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Frequently Asked

The annual fee is ₹1,500 + GST. This fee is waived if you spend ₹2.5 lakh or more in the preceding card anniversary year.

You earn 10 EDGE Reward Points for every ₹200 spent on all eligible domestic and international transactions. Each point is worth ₹0.20 when redeemed for vouchers.

The card offers 2 complimentary domestic airport lounge visits per quarter. This benefit is contingent on spending at least ₹50,000 in the previous three-month period.

Yes, spends on fuel, insurance, rent, wallet loads, EMI transactions, and gold/jewellery purchases are excluded from earning EDGE Reward Points.

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