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Axis Bank Privilege Credit Card
Axis • Visa

Axis Bank Privilege Credit Card

Apply for Axis Bank Privilege Credit Card to enjoy activation benefits of Shopping or Travel vouchers worth Rs 5,000, insurance coverage upto Rs 2.5 Cr, etc. Kn

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge Access1111 domestic • 0 intl
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Axis Bank Privilege Credit Card is best positioned for lifetime free and travel with a practical ceiling near 0.5% headline earn rates.
  • Cashback economics are most compelling when monthly routing is deliberate and exclusions are tracked.
  • Lounge footprint is currently mapped at 11 visits, making this a better travel companion than no-lounge peers.

Best Utilization

  • Route the card to lifetime free and travel transactions first, then shift spillover to a backup card after caps.
  • Use as a focused primary card only where reward eligibility remains clear and repeatable.
  • Use it as a no-cost specialist card in a two-card setup instead of forcing all spending through one product.

Watchouts

  • Return quality depends on eligible merchant/category mapping, so spend classification drift can hurt outcomes.
  • Lounge usage often has spend-gating clauses by quarter or billing-cycle; verify current issuer policy before travel.
  • Promotional earn rates and partner tie-ups can change; re-check issuer terms before relying on edge cases.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count11
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows11
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports20
  • Approval reports12

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

Flipkart Axis Bank Credit Card

Annual fee: ₹500

Shared focus: Shopping+31 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details
Step 2

Axis Bank Burgundy Private Credit Card

Annual fee: ₹0

Shared focus: TravelHigher product tier within same bank+9 more lounge visits in current dataset
View Details
Step 3

Airtel Axis Bank

Annual fee: ₹500

Shared focus: ShoppingHigher top earn rate (25.0%)Estimated +₹5,928/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Axis Bank Privilege Credit Card using your current quarter spend.

₹0 spent₹50,000 target

Policy signal used: - Source file: Axis Bank domestic lounge program PDF (Set A). - Domestic lounge access is linked to card-wise quarterly/yearly limits. - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Spend threshold

Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.

Quarter / cycle rule

Domestic lounge access is linked to card-wise quarterly/yearly limits.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

11 airport lounge rows
View lounge map and location list11 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Bengaluru

2 lounges • 2 domestic • 0 international

2
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T2

BLR Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic Departure T1

Chennai

2 lounges • 2 domestic • 0 international

2
Travel Club LoungeDomestic

CHE • Chennai Airport • Domestic Departure T4

Travel Club Lounge A/BDomestic

CHE • Chennai Airport • Domestic Departure T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Departure T1

Kolkata

1 lounges • 1 domestic • 0 international

1
Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Departure T1

Mumbai

2 lounges • 2 domestic • 0 international

2
Adani Lounge*Domestic

MUM • Mumbai Airport • Domestic Departure T2

Travel Club LoungeDomestic

MUM • Mumbai Airport • Domestic Departure T1c

New Delhi

3 lounges • 3 domestic • 0 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T2

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic Departure T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Axis Bank is now on WhatsApp !Send us a 'Hi' on 7036165000 for all your banking needsSIGN-UP
  • SupportLodge a Complaint
  • CMS and Payment SolutionPaypro
  • CardsMulti-Currency Forex Card Credit Card Login Prepaid Cards Transit Cards

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About Axis Bank Privilege Credit Card

Axis Bank Privilege Credit Card is a cashback card from Axis, best for travel & lounge access. It is tagged under lifetime free, travel, shopping categories in our database.

Lifetime FreeTravelShopping

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Frequently asked questions

Is Axis Bank Privilege Credit Card lifetime free?

Axis Bank Privilege Credit Card is lifetime free with no annual fee.

What rewards does Axis Bank Privilege Credit Card offer?

Apply for Axis Bank Privilege Credit Card to enjoy activation benefits of Shopping or Travel vouchers worth Rs 5,000, insurance coverage upto Rs 2.5 Cr, etc. Kn

Does Axis Bank Privilege Credit Card include lounge access?

Axis Bank Privilege Credit Card lists 11 lounge visits (11 domestic, 0 international).

Who should consider Axis Bank Privilege Credit Card?

Travel & lounge access

Where can I apply for Axis Bank Privilege Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.