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REWARD POINTS CARD

Privilege Easy Credit Card

Axis Bank

A fixed-deposit-backed secured credit card that earns EDGE Reward Points on spends, with a points-based welcome benefit, a spend-milestone bonus, two domestic lounge accesses a quarter and a fuel surcharge refund.

Needs an Axis Bank FD of ₹65,000 to ₹25,00,000 (not Tax Saver, Flexi or HUF/trust/company FDs). Fuel spends earn no points. The ₹1,500 annual fee is reversed only on ₹5,00,000 spends in the previous card anniversary year, excluding listed categories.

Privilege Easy Credit Card
ANNUAL FEE
₹1,500 + GST
JOINING FEE
₹1,500 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
12,500 EDGE Reward Points (worth ₹2,500 against vouchers) as an activation benefit after the joining fee is levied and the first transaction is made within 30 days of card issuance.
BEST FOR
Included: Axis Bank fixed deposit holders and first-time card users looking for an FD-linked card with minimal documentation.
Included: May suit those who hold, or plan to place, an Axis Bank fixed deposit between ₹65,000 and ₹25,00,000.
Included: May suit first-time card users or those building a credit history through an FD-backed card.
Included: May suit cardholders whose eligible annual spends could reach ₹5,00,000, the level at which the annual fee is reversed.
Limitation: Spends on fuel (no points earned) may wish to compare other cards.
Limitation: Those without an eligible Axis Bank FD may wish to compare other cards.
Limitation: Those heavy fuel spenders seeking points may wish to compare other cards.
Limitation: Those frequent international spenders, given the 3.50% foreign currency transaction fee may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Terms were revised w.e.f. 28 Aug 2026: DCC markup 3.5%, late fee ₹1,300 above ₹50,000, gift card spends earn no rewards and are a separate spend category.
Condition: From 1 Nov 2026 the District buy-one-get-one movie offer needs ₹25,000 spends in the previous 3 months; waived for a new card in its issue month and the next 3 calendar months.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹1,500 + GST
Annual / renewal fee
₹1,500 + GST
Fee waived at
₹5,00,000 in previous card year; excl. utility, telecom, rent, wallet, govt, insurance, gold, fuel, education, gift card, tolls
Forex markup
3.5%
Finance charge
3.4% per month
Cash withdrawal fee
2.5% of the amount, minimum ₹500
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per calendar quarter at select domestic airport lounges · Applies to select domestic lounges only; the bank links a complete lounge list.
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Axis Bank Dining Delights Program: offers at top restaurants across India.
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points on fuel, gift card, bridge fee, road fee or toll spends. Fee-reversal and milestone thresholds also exclude utility & telecom, rent, wallet, government services, insurance, gold & jewellery and education.; Fuel; gift card purchases; bridge fees; road fees and tolls.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 12,500 EDGE Reward Points (worth ₹2,500 against vouchers) as an activation benefit after the joining fee is levied and the first transaction is made within 30 days of card issuance.
Included: FD-backed secured card with minimal documentation and guaranteed approval; credit limit is linked to the deposit.
Included: Two complimentary domestic airport lounge accesses per calendar quarter at select lounges.
Included: Insurance cover lists Purchase Protection Plan up to ₹1 lakh and Credit Shield of ₹1 lakh; terms and conditions apply.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.