Axis Bank Privilege Easy Credit Card

Lounge access

• Domestic airport lounge access based on Privilege Credit Card spends in the previous 3 calendar months.
• From 1st May 2024 minimum spend of ₹50,000 in previous 3 calendar months is required.
• For a newly issued card the minimum spend criteria is waived for the month of card issuance and the following 3 calendar months.

Verified · Terms & Conditions – Axis Bank Privilege Credit Card (April 2024 revision) · 2026-08-03 · source

Forex markup

• Foreign transaction fee: 3.5% of transaction amount.
• Dynamic Currency Conversion markup: 1.5% of transaction amount.

Verified · Key Fact Sheet / Schedule of Charges (All Axis Bank Credit Cards, incl. Privilege) · 2026-08-03 · source

Charge

• Interest rate (finance charge): 49.36% p.a. (3.75% per month for finance-charge computation).
• Late Payment Fees: Nil for outstanding < ₹500.
• ₹500 for ₹501-5,000.
• ₹750 for ₹5,001-10,000.
• ₹1,200 for > ₹10,000.
• Plus additional ₹100 on missing Minimum Amount Due (MAD) for two consecutive cycles until MAD is cleared.
• Over-limit Fees: 2.5% of over-limit amount (Min ₹500).
• Fees for Cash Payment at Branches: ₹175.
• Cheque Return / Dishonour / Auto Debit Reversal: 2% of payment amount, minimum ₹500.
• Cash Withdrawal Fee: 2.5% of cash amount (Minimum ₹500).
• Cash Withdrawal Limit: 30% of the credit limit.
• Dynamic Currency Conversion markup: 1.5% of transaction amount.
• Rent Transaction fee: 1% of each rental transaction amount.
• Education Transaction Fee: 1% on each education payment made via third party apps.
• Wallet Load Transaction Fee: 1% on cumulative spends of ₹10,000 or more on wallet loads per statement cycle.
• Fuel Transaction Fee: 1% on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle.
• Utility Transaction Fee: 1% on cumulative spends of ₹25,000 or more on utilities per statement cycle.
• Online Skill-Based Gaming Transaction Fee: 1% on cumulative spends of ₹10,000 or more per statement cycle.
• Surcharge on Railway Tickets: as prescribed by IRCTC / Indian Railways.
• GST/other applicable taxes are levied additionally.

Verified · Key Fact Sheet / Schedule of Charges (All Axis Bank Credit Cards, incl. Privilege) · 2026-08-03 · source

Interest-free period

Interest-free grace period ranges from 20 to 50 days, depending on the date of transaction.

Verified · Key Fact Sheet / Schedule of Charges (All Axis Bank Credit Cards, incl. Privilege) · 2026-08-03 · source

Fuel surcharge waiver

Fuel Transaction Surcharge: 1% of transaction amount, refunded for fuel transactions between ₹400 to ₹4,000, maximum benefit up to ₹400 per statement cycle (as per the general schedule for cards not specifically excluded).

Verified · Key Fact Sheet / Schedule of Charges (All Axis Bank Credit Cards, incl. Privilege) · 2026-08-03 · source

Milestone benefit

• Buy-one-get-one-free on movie tickets: 100% discount on the second movie ticket booked via District app, up to ₹250 off per month, once a month on a minimum purchase of two movie tickets (effective 20 June 2025).
• Threshold: minimum purchase of two movie tickets.
• Window: once per month.

Verified · Terms & Conditions – Privilege Credit Card (June 2025 revision, covers Privilege / Privilege Easy) · 2026-08-03 · source

Redemption value

• The Bank reserves the right to forfeit unredeemed EDGE REWARD Points / EDGE Miles post 30 days of credit card closure or if the minimum amount due is outstanding for more than 90 days.
• Customers are encouraged to redeem within 30 days of closure (effective 1st October 2025).

Verified · Terms & Conditions – Privilege Credit Card (June 2025 revision, covers Privilege / Privilege Easy) · 2026-08-03 · source

Reward cap

Miles Transfer Program cap: maximum 1 lakh EDGE REWARD Points cumulatively to Group A partners and maximum 4 lakh EDGE REWARD Points cumulatively to Group B partners in a calendar year.

Verified · Terms & Conditions – Axis Bank Privilege Credit Card (April 2024 revision) · 2026-08-03 · source

Reward exclusion

Verified · Terms & Conditions – Privilege Credit Card (June 2025 revision, covers Privilege / Privilege Easy) · 2026-08-03 · source

Transfer partner

Verified · Terms & Conditions – Axis Bank Privilege Credit Card (April 2024 revision) · 2026-08-03 · source

Transfer rule

For redemption through the Miles Transfer Program, a customer can transfer a maximum of 1 lakh EDGE REWARD Points cumulatively to Group A partners and a maximum of 4 lakh EDGE REWARD Points cumulatively to Group B partners in a calendar year (effective 20th April 2024).

Verified · Terms & Conditions – Axis Bank Privilege Credit Card (April 2024 revision) · 2026-08-03 · source

Concierge

24*7 complimentary concierge service is discontinued (per April 2024 revision).

Verified · Terms & Conditions – Axis Bank Privilege Credit Card (April 2024 revision) · 2026-08-03 · source

Travel benefit

Delay of Checked-In Baggage cover: compensates for necessary emergency purchase of replacement items if the cardholder suffers a delay of more than 6 hours from scheduled arrival for checked-in baggage on an international outbound flight from India (coverage only if airline ticket purchased using the Axis Bank card and cardholder is travelling abroad).

Verified · harvested from product page · 2026-08-03 · source

Insurance

• Credit Shield: waiver of outstanding dues on the credit card up to a specific limit (depending on card type) in the event of accidental death of the card holder.
• Purchase Protection: purchases of tangible goods indemnified against damage caused by fire, burglary and/or theft, available up to 90 days from date of purchase, provided kept inside the cardholder's residential (pucca) premises.
• Cardholder must have performed at least one POS/Ecom transaction 90 days prior to the insured event.
• Intimate the Bank within 20 days and submit documents within 50 days (Credit Shield).

Verified · harvested from product page · 2026-08-03 · source

Official terms

https://www.axis.bank.in/cards/credit-card/privilege-easy-credit-card.

Verified · Privilege Easy Credit Card product page · 2026-08-03 · source