Fees
Annual feeINR 1,500 + GST
Joining feeINR 1,500 + GST
Renewal feeINR 1,500 + GST
Fee waiverAnnual fee reversed on spending INR 5,00,000 in preceding year
Spend waiverSpend INR 5,00,000 in 12 months
Interest rate3.75% per month (45% per annum (p.a.))
Late paymentINR 100-INR 1,500 (based on amount due)
Forex markup3.5% + GST
Cash advanceINR 500 + GST
Eligibility
Min income (salaried)INR 1,00,000/month
Min income (self-emp.)INR 15,00,000/year
Income requirementIncome Tax Return (ITR) > INR 8 lakh/year
Credit scoreGood to Excellent (740 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus12,500 EDGE Rewards Points (worth INR 2,500)
Bonus categoriesDining, Travel, Retail, Shopping
Travel & lounge
Domestic lounge2 complimentary visits/quarter; requires minimum INR 50,000 spend in preceding calendar quarter
International lounge12 complimentary international visits/year via Priority Pass
Lounge conditionsMinimum INR 50,000 spend in preceding calendar quarter to unlock 2 domestic visits
Travel insuranceINR 20 lakh travel insurance, Medical emergency abroad INR 8 lakh
Lifestyle
Dining benefits15% discount on dining via EazyDiner, 20% at 4,000+ restaurants; BOGO movie: 2nd ticket 100% off up to INR 250 once/month via District app (code AXISPRIVILEGE), WEF 20-Jun-2025
Fuel surcharge1% fuel surcharge waiver (INR 400-INR 4,000), max INR 400/month
ComplimentaryEazyDiner membership, Priority Pass lounge access, Concierge services
Special offersQuarterly lounge access, Annual milestone rewards, Fee waiver on spends
AdditionalDining delights offers, Weekend getaway discounts, Partner merchant benefits
Credit limit & EMI
EMI optionsYes - SmartEMI
Insurance & protection
Purchase protectionPurchase protection up to INR 5 lakh
Other insuranceAir Accident INR 20 lakh, Personal Accident INR 15 lakh, Trip Cancellation INR 500
Coverage detailsTravel: INR 20 lakh, Medical: INR 8 lakh, Personal Accident: INR 15 lakh