Axis Bank Primus Credit Card: Benefits & Apply

Summary

Axis Bank Primus Credit Card is a superior, ultra-luxury credit card that was launched for high-end individuals who want luxury, convenience, and exclusive benefits. The card is invite-only and specifically designed for ultra-high-net-worth individuals (UHNWIs). Its high-end amenities on travel, lifestyle, and rewards help this card deliver much more than regular credit card facilities.

One of the key advantages of the Primus Credit Card is free visits to airport lounges in India and overseas for the main card member and guests. The card members also have luxury travel benefits like Meet & Assist facilities, airport transfers, and discounts on companion airfare. Golfers are also provided with free games of golf at the best domestic and overseas golf clubs.

The reward scheme is uncomplicated but interesting—1 EDGE Mile for every ₹100 that has been spent, with no categories to constrain. These EDGE Miles can subsequently be used on air travel, stays, shopping, or can be exchanged for airline loyalty miles.

Introduction

In today’s modern era, a credit card is not merely a tool to spend money—it is a smart financial tool that offers convenience, security, and many benefits. Among the many credit cards that are available in India, the Axis Bank Primus Credit Card is one of the premium cards, particularly for those who are seeking a little more comfort and luxury in their lives. Whether you love shopping, travelling, or enjoying special services, this credit card boasts a wide range of features that can make your life richer and more rewarding daily.

Axis Bank Primus Credit Card is not just about spending; it’s about smart spending. It rewards you with points on almost every transaction you make. You can redeem these points to enjoy discounts, gifts, travel bookings, and much more. This means the more you utilize your card, the more the advantage for you. Apart from reward points, it offers various lifestyle benefits such as access to airport lounges, dining advantages, and exemption from fuel surcharges.

One of the highlights of this card is that it is made for individuals with higher income and spending levels. Axis Bank understands the needs of such customers and has equipped the Primus Credit Card with facilities that match their lifestyle. From insurance cover to concierge facilities, the card provides you with more than the power of spending. If you are a person who travels for business or leisure quite frequently, the free lounge access in international airports can make your journey more enjoyable.

Applying for the Axis Bank Primus Credit Card is also very simple. You can apply offline as well as online. Online application is just a matter of a couple of minutes and requires very basic information like your name, mobile number, PAN card, income proof, etc.

What is the Axis Bank Primus Credit Card?

The Axis Primus Credit Card is a premium credit card that is designed to offer you numerous upscale rewards and benefits in case you enjoy living life king size. With this credit card, you will get reward points on your everyday spends that can be redeemed in the form of discount coupons, travel bookings, and gifts.

Apart from these, the card offers lounge access, dining privileges, fuel price refund, and many more. Those who often spend money and like to engage in luxury services while getting paid for it would be most suited for The Axis Bank Primus Credit Card improves your experience whether you travel, eat, or shop with several incentives and savings.

How is the design of the Axis Bank Primus Credit Card?

From customized concierge services to invitations to elite events and luxury vacation experiences, the sophistication of the card fits its financial advantage. The invitation-only card shows wealth status and is for luxury enthusiasts seeking luxury in their financial solutions.

The design of the card is befitting of its high-end rewards—tailored concierge services, access to elite events, and luxurious travel experiences.The exclusive membership card is created for those who love detail in their money cards and reflects the scope of wealth.

What are the benefits of the Axis Bank Primus Credit Card?

Here are its key features:

Travel Perks

• Lounge Access: Get unlimited complimentary domestic and international airport lounge access for primary and add-on cardmembers. Additionally, receive 12 complimentary guest visits annually.​

• Airport Facilities: Take advantage of one-way airport Meet & Assist services and airport luxury transfers when traveling business class or above on full-service airlines.

• Companion Air: Receive four free companion airfares while purchasing the best available class fares on participating airlines.​

Golf Benefits

• Domestic Golf: Unlimited complimentary rounds of golf and lessons at participating domestic golf courses for the primary cardmember and one guest.​

• International Golf: Four complimentary international rounds of golf annually, each with one guest. ​

Rewards Program

• Accumulating EDGE Miles: Receive 1 EDGE Mile on each ₹100 spent on all purchases, without the constraint of categories.

• Redemption Options: Redeem EDGE Miles for gift items, vouchers, or transfer to partner airline miles at a rate of 1:5.

Courtesy in Hospitality: Way of Life

• Experience special benefits at more than 900 premium hotels across the globe including early check-in, late check-out, and room upgrading.

• Eating Experiences: Get unique dining rights, including dinner reservations at Michelin-starred restaurants.

Insurance and Benefits from Finance

• Under the lost card liability, a card should have up to ₹25 lakh protection.

• Mark-up in foreign exchange, cash advance, and late payment fee waived.Living and Hospitality:

• Enjoy exclusive advantages at more than 900 luxury hotels worldwide, including room upgrade, early check-in, and late check-out.

• Eating Experiences: Get special eating privileges, including dinner reservations at Michelin-starred restaurants.

Insurance & Financial Gain

• Up to ₹25 lakh cover should a card be lost under the lost card liability.

• Mark-up in foreign currencies, cash advance, and late payment fee waived.

What are the fees for the Axis Bank Primus Credit Card?

Here is a simple breakdown of the Axis Primus Credit Card fees.

Joining Fee	₹5,00,000 + GST
Annual Fee	₹5,00,000 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	1% per month (12.68% annually) on the outstanding balance if you don’t pay your bill in full.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Axis Bank Primus Credit Card?

The following are the primary requirements:

1. To apply for the Axis Bank Primus Credit Card, you must be between 18 and 70 years old. This way, applicants will either be young enough to begin building a credit history or mature enough to have an established financial background.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 3 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for Axis Bank to favor borrowers with a better credit score, usually above 750. A better credit score generally indicates that the person has an excellent history in managing their finances and is quite reliable as a borrower.

5. You must be an Indian resident and have valid address proof within the country. In case you are applying from outside India, then you would not be considered eligible for this card unless you are an NRI and fall into other criteria that are required for this type of card.

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get an Axis Bank Primus Credit Card?

The documents that you will have to submit to get an Axis Primus Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Axis Bank Primus Credit Card be used?

Here is the list of places where you can use it:

• With the Axis Primus Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Axis Bank Primus Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Axis Primus Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Axis Bank Primus Credit Card?

The credit amount you can spend is what you are provided with an Axis Primus Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Axis Bank Primus Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Axis Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by Axis Bank; for instance, you can choose the Primus Credit Card.

• Just hover your cursor on the Axis Bank Primus Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Axis Bank branch to apply for the Axis Primus Credit Card.

• Request for the credit card application form of the Axis Bank Primus Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Axis Bank Primus Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Axis Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Axis Bank Primus Credit Card in 2025 be right?

Yes, getting an Axis Primus Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Axis Bank Primus Credit Card is one of the most celebrated and luxurious credit cards of Axis Bank, designed specifically for those who have a high income level and a liking for the lavish lifestyle. It is not that much about spending, but about living a more enriched life with unparalleled rewards and best-in-class service. From airport lounge visits to international golf rounds, from hotel rewards to gourmet dining, the Primus Credit Card provides an entire lifestyle package to those who demand better from their financial instruments.

The best part of this card is the extensive list of rewards and benefits it provides. You earn EDGE Miles on all your spending, which can be effortlessly used to pay for travel, shopping, or even transferred to airline miles. This renders the card perfect for travelers, luxury seekers, and shoppers. Aside from this, the travel service options like airport pick-up, meet and greet, and companion tickets make your trip easier and less cumbersome.

The card provides premium lifestyle benefits as well, including free rounds of golf at exclusive clubs, priority reservation at upscale restaurants, and concierge benefits just a call away for assistance with bookings or reservations. In addition to this, Axis Bank has also thought of your security with insurance benefits in case of loss of the card and other money-related risks, so that you can be absolutely assured of your peace of mind.

Frequently Asked Questions (FAQ’s)