Fees
Annual feeINR 10,000 + GST
Joining feeINR 10,000 + GST
Renewal feeINR 10,000 + GST
Fee waiverAnnual fee reversed on spending INR 15,00,000 in preceding year (excl. rent, wallet, utilities, govt, EMI conversions, insurance, gold/jewellery, fuel)
Spend waiverSpend INR 15,00,000 in 12 months
Interest rate3.60% per month (43.2% per annum (p.a.))
Late paymentINR 100-INR 3,000 (based on amount due)
Forex markup1.5% + GST
Cash advanceINR 1,000 + GST
Eligibility
Min income (salaried)INR 1,50,000/month
Min income (self-emp.)INR 24,00,000/year
Income requirementIncome Tax Return (ITR) > INR 20 lakh/year
Credit scoreExcellent (750 or above (CIBIL))
Age range18-70 years
Rewards & cashback
Welcome bonus25,000 EDGE Rewards Points (worth INR 5,000)
Bonus categoriesTravel, Dining, Shopping, Entertainment
Travel & lounge
Domestic loungeUnlimited complimentary domestic lounge visits; direct bank contract with lounge operators (post-DreamFolks, Sep 2025)
International loungeUnlimited international lounge access via Priority Pass (primary + add-on cardholders)
Lounge conditionsNo spend condition required for lounge access
Travel insuranceINR 50 lakh comprehensive travel cover, medical emergency abroad up to INR 15 lakh
Lifestyle
Dining benefits20% discount on dining at 4,000+ restaurants via EazyDiner & Axis Dining Delights
Fuel surcharge10% surcharge waiver on fuel (INR 400-INR 4,000), max INR 500/month
ComplimentaryPriority Pass Lounge membership, 24x7 Concierge, Personal Shopper
Special offersQuarterly milestone bonuses, Renewal rewards on annual spend achievement
AdditionalClub ITC Membership, 15% Oberoi/Trident hotel discount, Zero forex markup (2%)
Credit limit & EMI
EMI optionsYes - Premium SmartEMI
Insurance & protection
Purchase protectionPurchase protection up to INR 20 lakh
Other insuranceAir Accident INR 50 lakh, Personal Accident INR 30 lakh, Trip Cancellation INR 2 lakh
Coverage detailsTravel: INR 50 lakh, Medical: INR 15 lakh, Baggage: INR 2 lakh, Accidental Death: INR 30 lakh