M16S / Axis Bank / Axis Privilege Easy Credit Card
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Axis Privilege Easy Credit Card
The Axis Privilege Easy Credit Card costs Rs 1,500 a year, waived if you spend Rs 5,00,000 in a year. Its base return is 1% (10 EDGE RP per Rs 200). The forex markup is 3.5%. Lounge visits in India: 2 per calendar quarter at select domestic airport lounges. Read from the issuer's own documents on 12 Oct 2026.
- Annual fee
- Rs 1,500+ GST
- Fee waived at
- Rs 5,00,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.4%a month
Apply on axis.bank.inOpens the bank’s own page.
Fees
| Joining fee | Rs 1,500 |
|---|---|
| Annual fee | Rs 1,500 |
| Annual spend that waives the fee | Rs 5,00,000 |
| Fee notes | FD-backed version of Privilege. Joining fee Rs 1,500 (nil for Priority customers only); annual fee Rs 1,500, reversed on Rs 5 lakh spend in the previous card anniversary year. Waiver spend excludes utilities and telecom, rent, wallet, government, insurance, gold and jewellery, fuel, education, bridge/road fees and tolls. |
Rewards
| Welcome benefit | 12,500 EDGE RP (vouchers worth Rs 2,500) when the joining fee is charged and a first transaction is made within 30 days of issuance. Free cards, first-year-free cards and priority-segment customers are not eligible. |
|---|---|
| Reward currency | EDGE Reward Points |
| Base earn | 10 EDGE RP per Rs 200 |
| Base return | 1% |
| Point value | Rs 0.20 per point against vouchers (issuer page: 12,500 points worth Rs 2,500) |
| Spends that earn nothing | No points on fuel (issuer page). Other exclusions not stated on the Privilege Easy page. |
| Milestone benefits | 10,000 EDGE RP (worth Rs 2,000) on Rs 2.5 lakh spend in a card anniversary year |
| Reward notes | base_return_pct = 10 points per Rs 200 x Rs 0.20 = 1.0%, both from the issuer page. |
Travel and perks
| Domestic lounge | 2 per calendar quarter at select domestic airport lounges |
|---|---|
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on fuel transactions of Rs 400-4,000 (page prints 4,001), cap Rs 400 a month |
| Other freebies | District BOGO movie ticket; purchase protection up to Rs 1 lakh; credit shield Rs 1 lakh; loss of travel documents cover up to USD 300, check-in baggage delay up to USD 300, baggage loss up to USD 500; Dining Delights; Extraordinary Weekends; Wednesday offers |
Charges and eligibility
| Interest per month | 3.4% |
|---|---|
| Late payment fee | Nil up to Rs 500 due; Rs 500 (501-5,000); Rs 750 (5,001-10,000); Rs 1,200 (10,001-50,000); Rs 1,300 above 50,000; plus Rs 100 per cycle if minimum due is missed two cycles running |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Fixed deposit at any Axis Bank branch, minimum Rs 65,000, maximum Rs 25,00,000; assured approval. Minors not eligible. Not issued against tax-saver FDs, flexi/auto-sweep deposits, or FDs held by HUF, society, trust or companies. |
| Fine-print notes | Listed by Axis under FD-linked credit cards. Product page read 2026-10-12 supplies fees, welcome, earn, milestone, lounge, insurance and FD eligibility; interest 3.40% a month (49.36% a year) and 3.5% forex match MITC. The page does not state the Rs 50,000 quarterly spend condition for lounge access that the Privilege page carries, nor expiry or transfer terms. |
Questions
- What is the annual fee of the Axis Privilege Easy Credit Card?
- Rs 1,500 a year, before GST. It is waived if you spend Rs 5,00,000 in a year.
- Does the Axis Privilege Easy Credit Card give airport lounge access?
- Yes. In India: 2 per calendar quarter at select domestic airport lounges. Outside India: none listed.
- What is the forex markup on the Axis Privilege Easy Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Axis Privilege Easy Credit Card?
- No points on fuel (issuer page). Other exclusions not stated on the Privilege Easy page.