Axis Bank Privilege Easy Credit Card
A credit card against an Axis Bank fixed deposit (minimum ₹65,000) earning 10 EDGE REWARD Points per ₹200 (points valued at ₹0.20, about 1%), with 10,000 bonus points on ₹2.5 lakh of spend in a card year and domestic lounge visits; ₹1,500 a year. Every figure below is copied from Axis Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Issued against an Axis Bank fixed deposit of ₹65,000 to ₹25 lakh. Axis says its online FD-card journey is only for people who have never held a credit card.
Not on record from an official document: the full list of spends that earn no reward on this card (the product page names only fuel). CardWise does not estimate these.
Fees and charges
| Joining fee | ₹1,500 plus GST Product page |
|---|---|
| Annual fee | ₹1,500 plus GST Product page |
| Annual fee waiver | On ₹5,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Product page |
| Fees are plus GST; the joining fee is nil for Axis Bank Priority customers. | |
Rewards
Reward points, ₹0.20 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Eligible spends | 10 points per ₹200 Product page | no cap on record |
The product page names only fuel as earning no points; Axis's 28 Aug 2026 revision also excludes gift cards and bridge, road and toll fees. Reward redemption is free.
No rewards on
- Fuel Product page
Benefits
- Lounges: 2 visits a calendar quarter to select domestic airport lounges — ₹50,000 of eligible spend in the previous 3 calendar months (Axis's lounge programme rule) Product page
- Fuel: 1% fuel surcharge refunded on fills of ₹400 to ₹4,000, up to ₹400 a month Product page
- Welcome: 12,500 EDGE REWARD Points worth ₹2,500 (vouchers) on the first transaction within 30 days, only when the ₹1,500 joining fee is charged; not for free cards or Priority customers Product page
- Milestone: 10,000 EDGE REWARD Points worth ₹2,000 on ₹2.5 lakh of spend in a card anniversary year Product page
Also on this card
Quoted from Axis Bank; not counted in the net value.
- District app: second movie ticket free (from 1 Nov 2026 it needs ₹25,000 of spend in the previous 3 months) Product page
- Purchase protection up to ₹1 lakh, credit shield of ₹1 lakh and up to $500 cover for lost check-in baggage Product page
Eligibility
- Axis Bank fixed deposit of ₹65,000 to ₹25 lakh Product page
- No income documents needed Product page
- Aged 18 or above Product page
- Indian, with a valid PAN card Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Axis Bank in the documents read
- the card network
- a RuPay variant for UPI
Where Axis Bank’s documents differ, and what is used
- Fuel waiver range: the features section says ₹400 to ₹4,001, the fee table says ₹400 to ₹4,000; ₹4,000 is used.
The quotes behind the figures
28 figures, each copied from an official Axis Bank document.
Show every quote and source
“Standard Joining Fee ₹1500 (Nil for Priority Customers only)”
“Standard Annual Fee (2nd year onwards) ₹1500”
“Annual fees of ₹1,500 will be reversed on achieving spends* of ₹5 lakhs in the previous card anniversary year.”
“Foreign Currency Transaction Fee 3.50% of the transaction value”
“Get additional 10,000 EDGE reward points worth ₹2000 upon achieving spends milestone of ₹2.5 lakhs in a card anniversary year.”
“10 Axis EDGE REWARDS on every ₹200 spent”
“No reward points are earned on fuel transactions”
“Spends threshold for annual fee waiver will exclude transactions made on Utility & Telecom, Rent, Wallet, Government services, Insurance, Gold & Jewelry, Fuel, Education services, Bridge Fees, Road Fees & Tolls.”
“Reward Redemption fee Waived”
“Gift card purchases will continue to be excluded from rewards category and will not earn rewards or contribute towards spends based fee waiver calculations or milestone benefits.”
“Additionally, please note that no rewards shall be earned on spends made on Bridge Fees, Road Fees & Tolls.”
“Effective 1st May 2024, access to domestic airport lounges is based on a minimum eligible spend of Rs. 50,000 in the previous 3 calendar months.”
“Valid on transactions between ₹400 and ₹4,001 only”
“To be eligible for the "Buy one get one" free District offer, you need to spend INR 25,000 in the previous 3 months.”
“Loss of Check-In Baggage Cover upto $500”
“No, in this journey, customers who currently hold a credit card or have previously held one but do not have it anymore are not eligible to apply for a Credit Card Against Fixed Deposit.”
“Finance Charges (Retail Purchases & Cash) 3.40% per month (49.36% per annum)”
“Two complimentary access per calendar quarter to select domestic airport lounges with Axis Bank Privilege Easy Credit Card.”
“Fuel Transaction Surcharge 1% of transaction amount (Refunded for fuel transactions between ₹400 and ₹4000)”
“Maximum benefits up to ₹400 per month”
“Get 12500 EDGE reward points, worth ₹2500 redeemable against vouchers upon levy of joining fees and on completion of 1st transaction within 30 days of card issuance. Free cards, first year free cards and priority segment customers are not eligible for this benefit.”
“Enjoy 100% discount on your second movie ticket booked via District app using your Axis Bank Privilege credit card”
“Purchase Protection Plan up to ₹1 lakhCredit Shield of ₹1 lakh”
“Minimum Fixed Deposit of ₹65,000; Maximum of ₹25,00,000”
“You don’t need to submit income documents to apply for a credit card. A fixed deposit is all you need to get started!”
“You must be 18 years old and above”
“You must be Indian and have a valid PAN CARD”
“Fixed Deposits in the name of HUF/society/trust/companies Apply Now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Axis Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Axis Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology