Are you also seeking financial freedom and a better shopping experience? Then Axis Bank’s Privilege Credit Card can prove to be a great option for you. Axis Bank Privilege Credit Card not only makes your every expenditure easy but also provides you with many great benefits, which can make your lifestyle even better. You get the benefits of regular shopping along with better offers and discounts with the Axis Bank Privilege Credit Card.
Many customers have commended the features and benefits offered by the Axis Bank Privilege Credit Card. Axis Bank Credit Card is specially designed for those people who want to raise their lifestyle to a new level. Cashback, reward points, and special discounts it comes with will benefit every single one of your transactions.
Through the Privilege Credit Card, you can get better discounts at different retail stores, online shopping platforms, and hotels. Apart from this, cardholders are also provided with security coverage during travel and shopping, which saves them from inconvenience and extra expenses.
Let us know in detail about Axis Bank Privilege Credit Card in this article and also know the benefits of Axis Bank Privilege Credit Card in detail. So stay till the end of this article so that later you do not have any problem in knowing anything related to Axis Bank Privilege Credit Card.
What is the Axis Bank Privilege Credit Card?
Axis Bank Privilege Credit Card is a premium credit card specially designed for customers who want to make their transactions more convenient and rewarding. The features and benefits of Axis Bank Privilege Credit Card make it a great choice that offers you ease and convenience in spending and many additional benefits.
How is the design of the Privilege Credit Card?
The Axis Bank Credit Card is slenderly designed to modern standards, a simple elegant design with its dark background gives off a sense of premiumize, and the overall background is overlain with their logos and account holders’ names with card number details.
It has a clean, professional design and is visually appealing, easy to recognize, and designed to convey sophistication and exclusivity in line with the premium services and benefits the card carries.
What are the benefits of the Axis Bank Privilege Credit Card?
The benefits include but are not limited to:
- The welcome gift of paying the joining fee would reward you with 12,500 Edge Reward Points.
- Points for Spendings: Enjoy 10 points on every spending of ₹ 200 in retail. It wouldn’t take time for the build-up of reward points.
- 3,000 points for a bonus every time you renew the card issued for one year.
- Travel Benefits: You get free access to airport lounges across India, making your travel more comfortable.
- Dining Benefits: Enjoy discounts on dining at partnered restaurants, saving you money when you eat out.
- Fuel Surcharge Waiver: Get a fuel surcharge waiver at petrol stations, reducing the cost of fuel.
- Reward Redemption: You can redeem the reward points for flights, hotels, gift vouchers, and merchandise, which gives you the flexibility to use them in whichever way you like.
What are the fees for the Axis Bank Credit Card?
Here is a simple breakup of the Privilege Credit Card fees.
Joining Fee | ₹1, 499 + GST (one-time fee when you get the card). |
Annual Fee | ₹1, 499 = GST per year. This will be waived if you spend ₹2,00,000 or more in a year. |
Add-on Card Fee | No charges for additional cards for family members. |
Finance Charges | 3.60% per month (42% annually) on the outstanding balance if you don’t pay your bill in full. |
Cash Advance Fee | 2.5% of the amount withdrawn or ₹250, whichever is higher. |
Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting Privilege Credit Card?
The following are the primary requirements:
- To apply for the Privilege 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.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs.10 lakhs usually does the job.
- A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.
- 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 his finances and is quite reliable as a borrower.
- 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.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- 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 Privilege Credit Card?
The documents that you will have to submit to get an Axis Bank Credit Card are as below:
Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
Address Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 monthsITR for self-employed persons |
Income Proof | Salary slip for the last 3 months if you are a salaried employee bank statement for the last 3 months for self-employed persons |
Photograph | The latest passport-sized photograph |
Where can the Axis Bank Privilege Credit Card be used?
Here is the list of places where you can use it:
- With the Privilege 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 Privilege Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Axis Bank Privilege 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 Privilege Credit Card?
The credit amount you can spend is what you are provided with an Axis Bank Privilege 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 Privilege 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 Axis Bank Privilege Credit Card.
- Just hover your cursor on the Axis Bank Privilege 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 submitting 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 Bank Privilege Credit Card.
- Request for the credit card application form of the Axis Bank Privilege Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- 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 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, or 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 Privilege Credit Card in 2025 be right?
Yes, getting an Axis Bank Privilege 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
The Privilege Credit Card is one of the leading credit cards that provides the best features and benefits, thus serving as the right choice for one who desires a better and more convenient financial lifestyle. With the features and benefits that characterize the Axis Bank Privilege Credit Card, the experience will always be different as compared to others.
First of all, the reward points and cashback offers with Privilege Credit Card ensure that every one of your spending becomes rewarding. You can redeem these reward points on products and services whenever you spend on daily purchases or any special occasion. Besides, cashback offers reduce your spending altogether, giving you extra savings. This benefit not only gives you financial advantages but also eases up the shopping for you.
The exclusive discounts and offers that come with the Privilege Credit Card make your shopping experience even more special. This card offers customers great discounts when shopping at their favorite brands, retail stores, and online platforms, which not only saves money but also makes your shopping even better.
Frequently Asked Questions (FAQ’s)
Ans: You may apply through Axis Bank’s official website to acquire Privilege Credit Card with an online application form. Or you may submit your application personally by visiting any branch of the bank.
Ans: What are the main benefits of the Axis Bank Credit Card?
Reward points and cashback
Exclusive discounts and offers
Travel insurance and protection benefits
Rewards under the loyalty program
24/7 customer service
Ans: The annual fee of Credit Card varies from year to year according to the policies of the bank. T For details, one may visit the bank’s website or contact the respective branch.
Ans: Reward points can be earned by using the Axis Bank Credit Card for frequent transactions. With every transaction, you will receive bonus points that you can redeem on different products, services, and even gift vouchers.
Ans: Cashback offers are generally available on only specific shopping partners and promotional campaigns. Details about the available offer can be found as well as other terms and conditions to abide by on the bank’s website or information on the card.