All cards / Axis Bank
Axis Bank Burgundy Private Credit Card
Marketed as 'The One Card,' this comes free only with Axis's top private-banking relationship (₹5 crore Total Relationship Value) — an outstanding rewards and lifestyle package, but it's a byproduct of a wealth relationship, not a card you apply for on its own, and a ₹1,00,000 fee kicks in if you fall below the TRV threshold. For Burgundy Private clients who already meet the relationship threshold, it's effectively the best card available in India at zero incremental cost — unlimited global lounge access, zero forex markup, and a strong points-transfer program that rivals or beats standalone super-premium cards charging five-figure annual fees.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
6%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 6% base rate
- Travel: Premium hotel memberships spanning Taj, ITC and international chains, plus dedicated airport and lifestyle concierge services
- Domestic lounge access: Unlimited worldwide airport lounge access for the cardholder, plus 12 complimentary guest visits a year
- International lounge access: Unlimited worldwide airport lounge access for the cardholder, plus 12 complimentary guest visits a year
- Golf: Up to 50 complimentary golf rounds a year at marquee courses
Benefits by category
- ✈️ Travel
Unlimited worldwide airport lounge access for the cardholder, plus 12 complimentary guest visits a year — among the most generous lounge terms of any card issued in India
- 🏨 Hotel
Up to 50 complimentary golf rounds a year at marquee courses, alongside a stack of premium hotel memberships spanning brands like Taj, ITC and international chains · 15 EDGE REWARD Points per ₹200 spent (roughly 6% effective value at redemption), transferable at a 5:4 ratio to Axis's airline and hotel loyalty partners for outsized redemption value on flights and hotel stays
- 🌍 Forex / international spend
Zero forex markup on all international transactions, with no cap, making it genuinely efficient for large or frequent overseas spend · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹10,00,000
- Employment: salaried, self-employed
- Age: 18–70
Fees & charges
- Rewards redemption fee: No fee to transfer EDGE Reward points to airline/hotel partners at the 5:4 ratio
- Foreign currency markup: 0%
- Fuel surcharge waiver: 1% fuel surcharge waiver at fuel stations across India
- Cash advance charges: Preferential cash advance terms available as part of the Burgundy Private relationship; standard 2.5% (minimum ₹500) applies otherwise
Benefits
- Unlimited worldwide airport lounge access for the cardholder, plus 12 complimentary guest visits a year — among the most generous lounge terms of any card issued in India
- Up to 50 complimentary golf rounds a year at marquee courses, alongside a stack of premium hotel memberships spanning brands like Taj, ITC and international chains
- Dedicated airport concierge for fast-track and meet-and-greet services, plus a separate lifestyle concierge for travel planning, reservations and event access
- Zero forex markup on all international transactions, with no cap, making it genuinely efficient for large or frequent overseas spend
- 15 EDGE REWARD Points per ₹200 spent (roughly 6% effective value at redemption), transferable at a 5:4 ratio to Axis's airline and hotel loyalty partners for outsized redemption value on flights and hotel stays
Pros
- + Unlimited worldwide lounge access with generous guest visits
- + Zero forex markup and a strong 6%-equivalent EDGE Points rate
- + Free of charge as long as the Burgundy Private relationship is maintained
- + Golf and hotel membership perks rival dedicated luxury lifestyle cards
- + Dual concierge services cover both airport logistics and broader lifestyle requests
Cons
- − Requires a ₹5 crore Total Relationship Value — inaccessible without significant wealth parked at Axis
- − ₹1,00,000 penalty fee if the TRV threshold isn't maintained by your anniversary month
- − Not independently appliable — it's tied entirely to the private banking relationship
- − No public eligibility criteria published, so approval is entirely relationship-manager-driven
Best for
Related guides