Axis Privilege Credit Card

About Credit Card

Axis Bank Privilege Credit Card is a mid-premium rewards card focused on shopping/travel vouchers and lounge access.

Key features in points

Welcome benefit: 12,500 EDGE Reward Points on activation, redeemable for vouchers (Axis advertises shopping or travel vouchers worth around Rs. 5,000 in some variants/structures; platforms differ in exact mapping).
Milestone benefit: 10,000 EDGE Reward Points on spending Rs. 2.5 lakh in an anniversary year.
Rewards earning: 10 EDGE Reward Points per Rs. 200 spent (domestic and international, with usual exclusions like fuel, rent, utilities, etc.).
Reward value: Points can be redeemed for catalogue items or multi-brand vouchers; typical value is up to about 0.20–0.40 rupee per point depending on redemption (roughly 1–2% reward rate when optimized).
Lounge access: 2 complimentary domestic airport lounge visits per quarter (up to 8 per year), subject to minimum spend in the previous 3 months (spend criteria waived for new card’s first few months).
Dining: Up to 20% discount at 4,000+ partner restaurants under Axis Dining Delights.
Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations in India (subject to caps and conditions).
Annual fee: Typically around Rs. 1,500 plus taxes, with annual fee waiver/reversal on achieving high annual spends (earlier Rs. 2.5 lakh; some sources mention Rs. 5 lakh as revised criteria, so current structure can vary by issuance date/variant).
Additional protections: Air accident cover (around Rs. 2.5 crore), purchase protection (around Rs. 1 lakh), and credit shield (around Rs. 1 lakh), per current product docs.
Axis ecosystem perks: Can be combined with Axis’s accelerated-earning platforms like Grab Deals/Gift Edge to get higher effective rewards on partner merchants.

Eligibility Criteria

Basic eligibility

Age: The primary cardholder should be between 18 and 70 years old.
Add-on cards: Add‑on cardholders must be at least 18 years old.
Residency: Applicant should be an Indian resident.
Income: Minimum net annual income of around Rs. 6 lakh is typically required (about Rs. 50,000 per month).
Employment: Salaried or self‑employed with stable income; exact employer/ITR requirements can vary case-by-case.
Credit profile: A good credit score is expected (many third‑party sources suggest 700+ or similar), and “new to credit” applicants may find it harder to get approved.

Documentation typically needed

Identity proof: PAN card copy or Form 60.
Address proof: Aadhaar, passport, driving licence, ration card, or recent utility/telephone bill (any one).
Income proof: Latest salary slips, bank statements, Form 16, or ITR (for self‑employed).
Photo and mobile: Recent passport‑size photograph and active mobile number (usually linked to Aadhaar for e‑KYC/OTP).

How to Apply?

1. Apply online (website route)

Go to the Axis Bank website and search for “Privilege Credit Card”, then click on the product page.
Click “Apply Now”.
Choose whether you are an existing Axis customer (Yes/No) and enter basic details (name, mobile, email, city, PAN, employment type, income, etc.).
Complete e‑KYC using Aadhaar OTP or video KYC if prompted.
Upload soft copies of documents (PAN, address proof, income proof) or choose to submit them later at a branch.

2. Apply via Axis Mobile app

Log in to the Axis Mobile app with your registered mobile number and mPIN.
Go to “Cards” → “Credit Cards” → look for “Privilege Credit Card”.
Tap “Apply Now”, confirm pre‑filled details, and provide any missing income/employment info.
Complete OTP/e‑KYC and submit; you may not need to upload many documents if Axis already has them.

3. Apply at an Axis Bank branch

Visit any Axis Bank branch and ask for the Axis Privilege Credit Card application form.
Carry originals and photocopies of: PAN, Aadhaar/passport or other address proof, latest salary slips/bank statements or ITR, and a passport‑size photo.
Fill and sign the form, attach documents, and submit; the staff will do the KYC and lodge your application.

4. After you apply

Typical processing time is about 5–7 working days after successful KYC and document verification.
You’ll receive an application/reference number via SMS/email; use it on the Axis website or customer care to track status.
If approved, the physical card is dispatched, and you can then activate it online and set your PIN before first use.

APPLY NOW!

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