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Axis Bank Privilege Credit Card

The Axis Bank Privilege Credit Card offers uncapped reward points on all card spends, making it ideal for frequent shoppers. Enjoy dining discounts up to Rs. 800 via EazyDiner and up to eight complimentary domestic lounge visits annually. The card comes with a first-year fee of ₹1,500 plus taxes.

Axis Bank Privilege Credit Card

About Axis Bank Privilege Credit Card

The Axis Bank Privilege Credit Card stands out by offering reward points on nearly all domestic and international transactions, rather than limiting benefits to specific brands or categories. There’s no monthly cap on rewards, allowing cardholders to maximize their earnings. Additional EDGE Rewards are provided as welcome and milestone bonuses, enhancing overall savings. These points can be redeemed across multiple options, although their redemption value is relatively modest. Beyond rewards, the card also offers dining discounts and complimentary lounge access, adding more value for frequent users.

Note: The card is also available on the American Express network with extra perks.

Sign-Up Benefits & Rewards Program

Sign-Up Bonus

  • Earn 12,500 EDGE Reward points (equivalent to Rs. 2,500) by making your first transaction within 30 days of card activation and paying the joining fee.

Earning Rewards

  • Get 10 EDGE Reward points for every Rs. 200 spent on eligible transactions.

Redeeming Rewards

  • Value of Points: 1 EDGE Reward point can be redeemed for up to Rs. 0.20.
  • Redemption Choices: Points can be redeemed for a wide range of products, vouchers, or converted into air miles via the Axis EDGE Rewards Catalogue.

Additional Features & Benefits

Axis Privilege Card offers more than just rewards and sign-up bonuses, giving cardholders extra savings and privileges across dining, travel, and lifestyle.

Milestone Rewards:

  • Earn 10,000 EDGE Reward points (worth Rs. 2,000) on achieving annual spends of Rs. 2.5 lakh.

Lounge Access:

  • 2 complimentary domestic lounge visits per quarter when you spend a minimum of Rs. 50,000 in the preceding 3 months.

Dining Discounts:

  • Enjoy 25% off (up to Rs. 800) at partner restaurants through EazyDiner under the Axis Bank Dining Delights program.

Movie Perks:

  • Avail a Buy 1 Get 1 offer on movie tickets via the District app, capped at Rs. 250, once every month.

Annual Fee Waiver:

  • Annual fee is waived on total yearly spends of Rs. 5 lakh.

Fuel Benefit:

  • Get 1% fuel surcharge waiver (up to Rs. 400 per month) on fuel transactions between Rs. 400 and Rs. 4,000.

Insurance Coverage:

Cover Maximum Coverage
Purchase Protection Plan Up to Rs. 1,00,000
Loss of Travel Documents Up to USD 300
Delay in Check-in Baggage Up to USD 300
Loss of Check-in Baggage USD 500
Credit Shield Up to Rs. 1,00,000

Axis Bank Privilege Credit Card Reward Points & Cashback Calculator

Reward Points Calculator

Fees and Charges

Particulars Amount
Joining Fee Rs. 1,500 + Taxes
Annual Fee Rs. 1,500 + Taxes
Finance Charges 3.75% p.m. (55.55% p.a.)
Rewards Redemption Fee Nil
Late Payment Charges
For Statement Balance:
Up to Rs. 500 Nil
Rs. 501 to Rs. 5,000 Rs. 500
Rs. 5,001 to Rs. 10,000 Rs. 750
More than Rs. 10,000 Rs. 1,200

Things to Consider Before Applying

  • Choose this card if you are looking for reward points on all spends with no upper limit or brand/category restrictions.

  • It is suitable for users who are comfortable with a modest rewards return of around 1% on their transactions.

  • This card works best if most of your expenses are within India, as its benefits are largely focused on domestic usage.

  • You can extract better overall value by meeting the required spend thresholds for milestone rewards and complimentary lounge access.

Steps to Close Axis Bank Privilege Credit Card

If you are planning to close your Axis Bank Privilege Credit Card, it is important to follow the correct procedure suggested by Axis Bank to ensure a smooth and hassle-free closure.

Review Your Decision

Before closing the card, carefully evaluate your reason for cancellation such as:

  • High annual or renewal fees

  • Low usage of the card

  • Availability of better credit card options

Also consider the possible impact on your credit score, especially if this card has a long credit history.

Clear All Outstanding Dues

Make sure your credit card account has zero pending balance before initiating closure. Clear the following:

  • Total outstanding amount

  • EMI dues (if any)

  • Interest charges

  • Late payment fees or penalties

The bank will process your closure request only after full payment is completed.

Submit a Closure Request

You can request card closure through any of the following channels:

  • Customer support email

  • Net banking / mobile banking portal

  • Written request sent to the bank

Required details:

  • Full name of cardholder

  • Last 4 digits of credit card

  • Registered mobile number or email ID

Request Confirmation

After submitting your request, ensure you receive:

  • SMS confirmation OR

  • Email confirmation

This should clearly mention that your credit card account has been closed successfully.

Destroy the Credit Card

Once closure is confirmed:

  • Cut the card diagonally through the chip and magnetic strip

  • Dispose of it securely to avoid misuse

Check Your Credit Report

After a few weeks, verify your credit report to confirm the status is updated as “Closed”.

If you find any mismatch, report it immediately to the bank or credit bureau.

Important Tips

  • Do not use the card after requesting closure

  • Cancel all auto-debits and subscriptions linked to the card

  • Keep proof of all communication for future reference

  • Monitor your account until final closure is reflected

Axis Bank Privilege Credit Card Helpline Number

If you need assistance regarding your Axis Bank Privilege Credit Card, you can contact the customer support team of Axis Bank. The bank provides multiple support channels for billing queries, payments, card blocking, reward points, and other credit card-related services.

Customer Care Helpline Numbers

You can reach Axis Bank support through the following numbers:

Toll-Free Numbers:

Alternate Numbers (Chargeable):

WhatsApp Banking Support

  • Send “Hi” to 7036165000 on WhatsApp

  • Get quick access to account services and customer support

SMS Banking Services

Other Support Services

Axis Bank also provides support through:

  • Missed call banking services

  • SMS banking assistance

  • NRI customer support

  • Branch and ATM locator services

  • Complaint registration and grievance handling

  • Fraud reporting and security assistance

  • Do Not Call (DNC) requests

Services Available

Customer care can assist you with:

  • Credit card billing and transaction queries

  • Payment and statement-related issues

  • Reporting lost or stolen cards

  • Card blocking or reissue requests

  • Credit card closure or cancellation requests

  • General banking support

Important Tips

  • Always use official Axis Bank contact details to avoid fraud

  • Keep your registered mobile number and card details ready for verification

  • Never share sensitive details like OTP, PIN, or CVV

  • Always note your complaint/reference number for tracking

FAQs

Who should consider applying for the Axis Bank Privilege Credit Card?

This card is suitable for individuals who prefer a straightforward rewards structure on everyday spending without category limitations. It works well for moderate spenders who mainly use their card for domestic purchases and can meet annual spend milestones to unlock extra benefits.

Cardholders earn reward points on almost every transaction made using the card. These points accumulate without monthly caps and can later be redeemed against multiple options such as shopping, vouchers, or statement credit, depending on the bank’s redemption catalogue.

Yes, the card offers complimentary access to domestic airport lounges. However, lounge visits are subject to meeting a minimum spending requirement in the preceding months, making it more beneficial for regular card users.

The card provides bonus reward points when you reach a specified annual spending threshold. These milestone benefits can significantly improve the overall value-back, especially for users who consistently use the card for daily expenses.

Both are entry-level cards offering lifestyle benefits. Axis Neo focuses on Zomato, BookMyShow, Myntra, and Blinkit, while MyZone covers Swiggy, Zomato, Ajio, and SonyLiv. Neo has a lower fee of Rs. 250 compared to MyZone’s Rs. 500. The better option depends on your preferred brands.